El Paso Car Insurance
With a population of 683,080 in 2016, El Paso is the sixth largest city in Texas. But despite its large size, El Paso has a low rate of car theft, just 118 per 100,000 people - well below the national average. Commute times in El Paso are average, with the typical commute taking about 22.5 minutes each way. With all that, you might expect insurance in El Paso to be cheaper than average, but it tends to be inline with the rest of Texas, which is the 12th most expensive state for insurance.
Did you know that El Paso has more car insurance agencies than average? There are over 300 different agencies in El Paso. However, most of them tend to be captive agents offering insurance from major companies: Farmers, Foremost, Allstate, and State Farm. Perhaps the lack of regional insurance carriers explains El Paso's relatively high prices.
Many people overpay for auto insurance. Here are a few ways to get a cheap rate.
• Get quotes regularly. Your rates should go down over time as your car or truck depreciates and your driving record improves. If not, negotiate a lower rate, or get quotes from other companies.
• Compare quotes accurately. Rates can vary greatly depending on the level of coverage offered. When comparing rates, make sure that the insurance offered is equivalent. Keep in mind that state minimum insurance may not protect you completely.
• Discuss your options. Talk with an agent to determine if collision, comprehensive, or personal injury protection are a good value. Individual insurance needs vary greatly.