The easiest way to get low-cost auto insurance rates is to compare quotes once a year from different companies in El Paso. You can compare rates by following these steps.
Step 1: Get a basic knowledge of how companies set rates and the factors you can control to drop your rates. Many factors that cause rate increases such as at-fault accidents and your credit history can be controlled by making minor changes to your lifestyle. Read the full article for additional tips to prevent expensive rate increases and find additional discounts.
Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes from multiple companies. View a list of agents
Step 3: Compare the new quotes to your existing policy and see if there is a cheaper rate in El Paso. If you find a lower rate quote and change companies, ensure coverage does not lapse between policies.
Step 4: Notify your company or agent of your intent to cancel your current car insurance policy. Submit a signed application and payment to your new insurance company. As soon as coverage is bound, place the new certificate of insurance with your vehicle’s registration.
One piece of advice is that you’ll want to compare the same deductibles and limits on every quote and and to analyze as many different insurance providers as possible. This provides the most accurate price comparison and a thorough price selection.
It’s amazing but a large majority of drivers in Texas renewed their policy with the same company for well over three years, and approximately 38% of consumers have never quoted car insurance rates at all. U.S. drivers could save an average of almost $850 each year by just comparing rate quotes, but they just don’t understand how much they could save if they switched to a more affordable policy.
Finding and comparing the lowest-priced coverage in El Paso is not as time-consuming as you think. Just about each driver who shops around for car insurance will more than likely get better rates. Although Texas consumers need to learn the way insurance companies calculate your policy premium because it varies considerably.
To get the cheapest Dodge Ram rate quotes, there a variety of ways of comparing rates from many available insurance companies in Texas. By far the easiest way to find cheaper Dodge Ram rates involves getting comparison quotes online.
When comparison shopping, having more price comparisons gives you a better chance of getting the best rates. Some smaller insurers do not give online price quotes, so it’s necessary to compare quotes from the smaller companies as well.
The companies shown below provide price comparisons in Texas. If more than one company is shown, we suggest you click on several of them to get the best price comparison.
Get cheaper rates with discounts
Some providers don’t necessarily list all discounts in a way that’s easy to find, so we took the time to find some of the best known as well as some of the hidden savings tricks you should be using when you buy El Paso car insurance online.
- Discounts for New Vehicles – Insuring a new Ram can save you some money due to better safety requirements for new vehicles.
- Driving Data Discount – Insureds who allow their insurance company to spy on where and when they drive remotely like Allstate’s Drivewise might see lower rates as long as the data is positive.
- Save over 55 – If you qualify as a senior citizen, you may qualify for a slight reduction on a El Paso car insurance quote.
- No Claim Discounts – Good drivers with no accidents have much lower rates as compared to drivers who are more careless.
- Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will save you 10% or more on Ram insurance in El Paso.
- Federal Government Employee – Simply working for the federal government may qualify for a discount when you quote El Paso car insurance but check with your company.
- Early Switch Discount – A few larger companies allow discounts for buying a policy before your current Ram insurance policy expires. Ten percent is about the average savings.
One thing to note about discounts is that some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as comp or med pay. Despite the fact that it seems like you can get free auto insurance, it’s just not the way it works.
The illustration below illustrates the comparison of Dodge Ram insurance premiums with and without discounts applied to the policy premium. The costs are based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multi-policy, multi-car, and homeowner discounts applied.
Insurance companies that may include these benefits include:
Before purchasing a policy, check with all companies you are considering which discounts you qualify for. Some of the earlier mentioned discounts might not be available to policyholders in every state. For a list of providers that offer many of these discounts in Texas, click this link.
Detailed insurance information
The table shown next showcases detailed analysis of coverage prices for Dodge Ram models. Having a good grasp of how policy rates are calculated can assist in making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram Quad Cab ST 2WD | $142 | $218 | $414 | $24 | $124 | $922 | $77 |
| Ram Quad Cab TRX4 Off Road 2WD | $160 | $266 | $414 | $24 | $124 | $988 | $82 |
| Ram Quad Cab SLT 2WD | $160 | $266 | $414 | $24 | $124 | $988 | $82 |
| Ram Crew Cab ST 2WD | $160 | $266 | $414 | $24 | $124 | $988 | $82 |
| Ram Quad Cab ST 4WD | $160 | $266 | $414 | $24 | $124 | $988 | $82 |
| Ram Crew Cab SLT 2WD | $160 | $266 | $414 | $24 | $124 | $988 | $82 |
| Ram Crew Cab TRX 2WD | $160 | $266 | $414 | $24 | $124 | $988 | $82 |
| Ram Quad Cab SLT 4WD | $160 | $266 | $414 | $24 | $124 | $988 | $82 |
| Ram Crew Cab ST 4WD | $160 | $266 | $414 | $24 | $124 | $988 | $82 |
| Ram Crew Cab Sport 2WD | $178 | $312 | $414 | $24 | $124 | $1,052 | $88 |
| Ram Quad Cab Sport 2WD | $178 | $312 | $414 | $24 | $124 | $1,052 | $88 |
| Ram Quad Cab TRX4 Off Road 4WD | $178 | $312 | $414 | $24 | $124 | $1,052 | $88 |
| Ram Crew Cab TRX 4WD | $178 | $312 | $414 | $24 | $124 | $1,052 | $88 |
| Ram Crew Cab SLT 4WD | $178 | $312 | $414 | $24 | $124 | $1,052 | $88 |
| Ram Quad Cab Laramie 2WD | $178 | $312 | $414 | $24 | $124 | $1,052 | $88 |
| Ram Crew Cab Laramie 2WD | $178 | $312 | $414 | $24 | $124 | $1,052 | $88 |
| Ram Crew Cab Sport 4WD | $178 | $312 | $414 | $24 | $124 | $1,052 | $88 |
| Ram Quad Cab Sport 4WD | $178 | $312 | $414 | $24 | $124 | $1,052 | $88 |
| Ram Crew Cab Laramie 4WD | $178 | $360 | $414 | $24 | $124 | $1,100 | $92 |
| Ram Quad Cab Laramie 4WD | $178 | $360 | $414 | $24 | $124 | $1,100 | $92 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in vehicle garaging location which can change premium rates substantially.
The example below demonstrates how deductibles and can raise or lower Dodge Ram insurance premiums for different age groups. The costs are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.
Dodge Ram liability rates compared to full coverage
The diagram below shows the difference between Dodge Ram auto insurance costs with full coverage compared to only the Texas minimum liability coverage. The premiums are based on no tickets, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are applied to the premium.
When to stop paying for full coverage
There is no definitive formula that is best for determining when to drop full coverage, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s say your Dodge Ram replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,000 after you pay the deductible. If premiums are more than $300 a year for your policy with full coverage, then it could be time to drop full coverage.
There are a few situations where only buying liability is not financially feasible. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.
Buying auto insurance from El Paso insurance agents
Many drivers would rather visit with an insurance agent and that is not a bad decision One of the best bonuses of comparing rates online is that you can obtain cheap rate quotes and also buy local. Putting coverage with local insurance agents is still important in El Paso.
Upon completion of this short form, the coverage information is submitted to local insurance agents in El Paso who will give competitive quotes for your auto insurance coverage. It makes it easy because there is no need to leave your computer because quoted prices will be sent directly to your email. You can find the lowest rates and an insurance agent to talk to. If you need to compare rates from a specific auto insurance provider, don’t hesitate to visit that company’s website and fill out their quote form.
If you want to use an insurance agent, you need to know there are two different agency structures and how they operate. Auto insurance policy providers are categorized either independent or exclusive.
Independent Auto Insurance Agents
Independent agents do not work for one specific company so they can write business amongst many companies and possibly get better coverage at lower prices. If they find a lower price, your agent can just switch to a different company and you don’t have to do anything. If you need cheaper auto insurance rates, we highly recommend that you contact several independent insurance agents in order to compare the most rates. Most independent agents also contract with companies you’ve never heard of which may have better rates.
Below are El Paso independent agencies who may provide comparison quotes.
- Texas State Insurance Agency
1501 N Mesa St – El Paso, TX 79902 – (915) 838-1501 – View Map - Omega Insurance Agency
1580 George Dieter Dr #303 – El Paso, TX 79936 – (915) 856-6700 – View Map - Texas Auto Insurance Agency
1491 Lee Trevino Dr # G – El Paso, TX 79936 – (915) 594-4400 – View Map
Exclusive Insurance Agents
These type of agents can only write with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. They generally cannot compare other company’s rates so they really need to provide good service. Exclusive agencies are well schooled on their company’s products and that allows them to sell at a higher price point. Drivers often buy insurance from these agents mostly because of the prominence of the brand instead of buying on price only.
The following are El Paso exclusive insurance agencies willing to provide price quotes.
- Eric Fierro – State Farm Insurance Agent
2200 N Yarbrough Dr c – El Paso, TX 79925 – (915) 595-3622 – View Map - Yvonne Curtis – State Farm Insurance Agent
1550 Hawkins Blvd Ste 15 – El Paso, TX 79925 – (915) 591-0871 – View Map - Manny M Casillas – State Farm Insurance Agent
1212 N Yarbrough Dr #105 – El Paso, TX 79925 – (915) 591-2288 – View Map
Selecting an insurance agency is decision based upon more than just the bottom line cost. Below are some questions you should ask.
- Do the agents have professional certifications like CPCU or CIC?
- Are there any extra charges for paying monthly?
- Is working in the agency their full-time job?
- If independent agents, which companies do they recommend?
- How much experience to they have in personal lines coverages?
- Can they give you a list of client referrals?
How do Insurance Companies Determine Dodge Ram Insurance Prices?
Many things are taken into consideration when you get your auto insurance bill. Most are fairly basic such as your driving record, although some other factors are not quite as obvious such as your marital status or your commute time.
Marriage is a bonus – Your spouse helps lower the price on your insurance policy. Having a spouse generally demonstrates drivers are more mature than a single person it has been statistically shown that married drivers tend to file fewer claims.
Vehicle options impact rates – Choosing to buy a car that has an advanced theft prevention system can help lower your rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent car theft.
The higher your credit rating the lower your rates – A driver’s credit rating can be an important factor in calculating your insurance rates. So if your credit score is lower than you’d like, you could pay less to insure your Dodge Ram if you improve your credit rating. People with high credit scores tend to be more responsible and file fewer claims than those with lower credit ratings.
Driving citations inflate prices – Having a single speeding ticket may increase your cost by twenty percent. Attentive drivers tend to pay less for car insurance than bad drivers. Drivers unfortunate enough to have flagrant citations such as DUI or reckless driving may find they need to complete a SR-22 with their state’s department of motor vehicles in order to legally drive.
The illustration below illustrates how violations and accidents can influence Dodge Ram car insurance costs for different ages of insureds. The rate quotes are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
Don’t skimp on liability coverage – The liability section of your policy will provide protection when a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so do not cut corners here.
Demanding job may mean higher prices – Careers such as military generals, architects, and miners have higher premium rates attributed to high stress levels and lengthy work days. Other careers like scientists, athletes and performers have the lowest average rates.
Filing claims can cost more – Car insurance companies in Texas provide discounts to insureds who do not file claims often. If you file claims often, you can look forward to higher rates. Your insurance policy is designed for larger claims.
Three reasons to not skimp on auto insurance
Despite the fact that auto insurance is not cheap in El Paso, insuring your vehicle serves several important purposes.
- Just about all states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your vehicle with a loan, almost every bank will require that you have full coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank will be required to insure your Dodge for a much higher rate and require you to reimburse them the higher premium.
- Insurance safeguards both your Dodge and your personal assets. It also can pay for many types of medical costs for not only you but also any passengers injured in an accident. Liability insurance also covers legal expenses if you cause an accident and are sued. If damage is caused by hail or an accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car are definitely more than the cost, particularly when you have a large claim. Despite what companies tell you, the average driver is currently overpaying as much as $820 a year so we recommend shopping around at least once a year to be sure current rates are still competitive.
Auto insurance company ratings
Buying coverage from the highest-rated car insurance provider is hard considering how many companies are available to choose from in El Paso. The information displayed below may help you decide which providers to look at to insure your vehicles.
Top 10 El Paso Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 El Paso Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
In conclusion
Lower-priced auto insurance in El Paso is possible both online and also from your neighborhood El Paso agents, and you need to comparison shop both to have the best rate selection. Some companies may not offer rates over the internet and usually these small, regional companies only sell through independent agencies.
We just presented many tips how you can get a better price on Dodge Ram insurance in El Paso. The key thing to remember is the more rate quotes you have, the higher your chance of finding inexpensive El Paso car insurance quotes. You may even find the lowest premium rates are with a smaller regional carrier.
Insureds switch companies for any number of reasons including an unsatisfactory settlement offer, denial of a claim, unfair underwriting practices or even delays in paying claims. Regardless of your reason, finding the right auto insurance provider is easier than you think.
Much more information about auto insurance in Texas can be found below:
- Auto Theft Statistics (Insurance Information Institute)
- Young Drivers: The High Risk Years Video (iihs.org)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)