Auto Insurance Quotes for a Hyundai Veracruz in El Paso

It takes a few minutes, but the best way to get cheaper auto insurance rates is to begin comparing prices regularly from companies who can sell car insurance in El Paso.

1. Take a few minutes and learn about how companies price auto insurance and the measures you can control to keep rates in check. Many rating factors that cause rate increases like at-fault accidents, speeding tickets, and a less-than-favorable credit rating can be controlled by making small lifestyle or driving habit changes. Later in this article we will cover additional ideas to help reduce prices and find missing discounts.
2. Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like Progressive or Allstate, while independent agents can give you price quotes from many different companies.
3. Compare the price quotes to your current policy premium to see if a cheaper rate is available. If you find a lower rate quote and switch companies, ensure coverage does not lapse between policies.

One piece of advice is to use identical coverage information on every price quote and and to analyze all possible companies. Doing this helps ensure a level playing field and the best price selection.

Amazingly, most insurance buyers have been with the same company for at least the last four years, and nearly half have never compared rate quotes at all. Most drivers in El Paso could pocket approximately $1,800 a year just by comparing rates, but they don’t believe the big savings they would realize if they replace their high priced policy.

The intent of this article is to help you learn how to get online quotes and how to save the most money. If you have coverage now, you will most likely be able to reduce premiums using the techniques covered below. Shoppers just have to learn the most efficient way to compare company rates online.

Companies offering cheap Hyundai Veracruz price quotes in El Paso, TX

The companies shown below have been selected to offer comparison quotes in Texas. If multiple providers are shown, it’s highly recommended you get price quotes from several of them to get the most competitive price.

Hyundai Veracruz insurance coverage information

The coverage information below highlights estimates of rate quotes for Hyundai Veracruz models. Learning a little about how rate quotes are determined is important for you to make informed decisions when comparing rate quotes.

Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Rates do not factor in garaging location in El Paso which can change coverage rates significantly.

Higher deductibles lower rates

One of the hardest decisions when shopping for car insurance is how high should the physical damage deductibles be. The comparison tables below help summarize the differences in price between high and low physical damage deductibles. The first data set uses a $250 deductible and the second price grid uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Prices do not factor in zip code location which can lower or raise premiums significantly.

Based on this data, using a $250 deductible will cost you approximately $16 more each month or $192 each year across all Hyundai Veracruz models than opting for the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have more than 16 months between claims, you would probably save some money if you elect the higher deductible. The table below illustrates an example of how you can decide this on your own policy.

An important sidenote is that raising deductibles to get cheaper rates means you will have to pay more of your own money if you have a claim. You need to make sure you have enough savings in the event you have to pay the higher deductible.

The information below illustrates how your deductible choice and can impact Hyundai Veracruz insurance rates for each different age category. The price estimates are based on a married male driver, comp and collision included, and no discounts are factored in.

Insurance discounts help lower rates for Hyundai Veracruz insurance in El Paso

Insurance is neither fun to buy or cheap, but you may qualify for discounts to reduce the price significantly. Some discounts will apply when you quote, but some discounts are required to be asked for before being credited. If you’re not getting every credit available, you could be saving more on your insurance.

• First Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies will forgive one accident without the usual rate increase as long as you don’t have any claims for a specific time period.
• Smart Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. The good student discount can last up to age 25.
• Senior Citizen Rates – If you’re over the age of 55, you can get reduced rates.
• Own a Home and Save – Owning a home in El Paso can help you save on insurance due to the fact that maintaining a home is proof of financial responsibility.
• Federal Employees – Active or former government employment may reduce rates when you quote El Paso auto insurance depending on your company.
• Low Miles Discount – Low mileage vehicles may allow you to get better insurance rates on cars that stay parked.
• Professional Memberships – Participating in a professional or civic organization may earn a discount when getting a El Paso auto insurance quote.
• Theft Deterrent – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
• E-sign Discounts – Certain larger companies may give you up to $50 simply for signing online.
• Multiple Policy Discount – If you can bundle your auto and home insurance and insure them both with the same insurance company you could earn a discount of approximately 10% to 15%.

It’s important to note that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way. But any discount will bring down your overall bill.

The diagram below shows the difference between Hyundai Veracruz auto insurance costs with and without discounts. The prices are based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, multi-car, marriage, and claim-free discounts applied.

A few of the larger companies and the discounts they provide are outlined below.

• GEICO policyholders can earn discounts including federal employee, military active duty, five-year accident-free, defensive driver, membership and employees, and anti-lock brakes.
• MetLife has savings for claim-free, accident-free, defensive driver, good driver, multi-policy, good student
• State Farm includes discounts for defensive driving training, Steer Clear safe driver discount, driver’s education, anti-theft, and good student.
• Progressive offers discounts including online signing, online quote discount, continuous coverage, multi-policy, multi-vehicle, homeowner, and good student.
• Mercury Insurance discounts include professional/association, type of vehicle, multi-car, multi-policy, age of vehicle, and annual mileage.
• 21st Century may have discounts that include teen driver, defensive driver, theft prevention, air bags, good student, student driver, and homeowners.
• Allstate has discounts for resident student, new car, good student, senior citizen, and auto/life discount.

When getting a coverage quote, ask each company which credits you are entitled to. Some of the discounts discussed earlier may not apply to policyholders in your state. If you would like to see a list of insurance companies that have a full spectrum of discounts in Texas, click here.

Get More Affordable Insurance Rates by Understanding These Factors

Many things are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, but others are less apparent like your vehicle usage or how safe your car is. Consumers need to have an understanding of some of the elements that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively influences your rates, this enables informed choices that may result in big savings.

• Don’t get traffic citations – Your driving citation history influences premium rates substantially. Even one ticket can bump up the cost substantially. Drivers with clean records get better rates than their less careful counterparts. Drivers unfortunate enough to have severe violations like reckless driving, hit and run or driving under the influence might be required by their state to submit a SR-22 form with the DMV in their state in order to keep their license.

  The chart below shows how violations and accident claims can raise Hyundai Veracruz insurance premiums for different ages of insureds. The premium estimates are based on a single male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

• Proper usage rating affects prices – The more miles you rack up on your Hyundai annually the higher your rates will be. Most insurance companies calculate rates partially by how you use the vehicle. Autos that are left in the garage receive lower rates than cars that get driven a lot. Ask your agent if your car insurance policy states annual mileage. An incorrectly rated Veracruz may be costing you.
• Rental and towing coverage may not be needed – There are a lot of additional coverages that may not really be needed on your car insurance policy. Coverage for things like rental car reimbursement, towing, and term life insurance could be just wasting money. They may sound like good ideas initially, but if you don’t need them remove them from your policy.

• Experienced drivers are lower risk – Teenage drivers in Texas are statistically proven to be less responsible when driving so car insurance rates are higher. Adding a teen driver onto your car insurance can really hurt. Older people are more cautious drivers, cause fewer claims and accidents, and are generally more financially stable.

  The following data assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

• Costs are impacted by vehicle performance – The type of car or truck you own makes a substantial difference in how high your rates are. The lowest base rates are usually for lower cost passenger models, but many other things help determine your insurance rates.

  The following data assumes a married male driver age 40, full coverage with $500 deductibles, and no discounts or violations. The chart compares Hyundai Veracruz car insurance rates compared to other models that have a range of performances.

• Male prices may be higher – Over the last 30 years, statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that males are worse at driving than females. Females and males are in accidents at about the same rate, but the men tend to have more serious accidents. Not only are claims higher, but men get higher numbers of serious violations like DWI (DUI) or reckless driving.

  The information below visualizes the comparison of Hyundai Veracruz car insurance rates for male and female drivers. The premiums assume no violations or accidents, full coverage, $1,000 deductibles, marital status is single, and no discounts are factored in.

Compare prices but buy from a local El Paso insurance agency

A small number of people would prefer to go talk to an agent and that can be a smart move Agents will help you protect your assets and help submit paperwork. A nice benefit of getting free rate quotes online is you may find cheap rate quotes and still have a local agent. Buying insurance from local agencies is important especially in El Paso.

Once you complete this quick form, your insurance data is immediately sent to agents in your area who will give you bids and help you find cheaper coverage. You won’t need to leave your house because quoted prices will be sent instantly to you. In the event you want to get a rate quote from a specific car insurance provider, feel free to go to their quote page and fill out their quote form.

El Paso auto insurance agents come in two flavors

If you would like to find a local El Paso insurance agency, it helps to know the two types of insurance agents that you can select. Car insurance policy providers are considered either exclusive or independent agents depending on their company appointments. Both types can write car insurance policies, but we need to point out the difference between them since it can impact your agent selection.

Independent Agents (or Brokers)

These agents are normally appointed by many insurers and that enables them to quote your coverage through many different car insurance companies and find you the best rates. If your premiums go up, your agent can switch companies without you having to go to a different agency.

When comparison shopping, it’s a good idea to get rate quotes from multiple independent agents so that you have a good selection of quotes to compare. Most independent agents also contract with different regional companies that may have much lower rates than larger companies.

The following is a partial list of independent insurance agents in El Paso who may be able to give you competitive price quotes.

• Cielo Vista Insurance
  1132 Geronimo Dr – El Paso, TX 79925 – (915) 772-1406 – View Map
• Pan American Insurance
  7399 Alameda Ave – El Paso, TX 79915 – (915) 772-9000 – View Map
• Texas Auto Insurance Agency
  1491 Lee Trevino Dr # G – El Paso, TX 79936 – (915) 594-4400 – View Map

View more El Paso agents

Exclusive Agencies

Exclusive agents can usually just insure with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. They usually cannot provide rate quotes from other companies so they really need to provide good service. They are trained well on the products they sell which helps overcome the inability to quote other rates. Many people use the same agent partially due to the brand rather than having low rates.

Shown below is a short list of exclusive agencies in El Paso that can give you price quotes.

• David Rivas – State Farm Insurance Agent
  4309 Fred Wilson Ave a – El Paso, TX 79904 – (915) 313-4070 – View Map
• James Cuilty – State Farm Insurance Agent
  10318 McCombs St – El Paso, TX 79924 – (915) 881-4956 – View Map
• Lou Lobato – State Farm Insurance Agent
  1810 Trawood Dr l – El Paso, TX 79935 – (915) 598-5401 – View Map

View more El Paso agents

Choosing the best insurance agency needs to be determined by more than just the premium amount. The questions below may impact your decision as well.

• Is their price quote a firm figure or are their hidden costs?
• Is auto insurance their primary focus in El Paso?
• How much training do they have in personal risk management?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Do you work with a CSR or direct with the agent?

What is the best car insurance company in Texas?

Buying coverage from the right car insurance provider can be a challenge considering how many companies there are in Texas. The rank data listed below could help you select which insurers you want to consider purchasing coverage from.

Top 10 El Paso Car Insurance Companies Overall

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Don’t give up on cheap rates

We just showed you a lot of techniques to get a better price on Hyundai Veracruz insurance in El Paso. The most important thing to understand is the more times you quote, the better your comparison will be. Drivers may even discover the best rates are with a small mutual company.

Consumers change insurance companies for a variety of reasons including delays in paying claims, an unsatisfactory settlement offer, questionable increases in premium or even lack of trust in their agent. Regardless of your reason, switching companies is pretty easy and you might even save some money in the process.

As you restructure your insurance plan, do not skimp on coverage in order to save money. There are a lot of situations where drivers have reduced full coverage only to discover later that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at the best price, but do not skimp to save money.

Additional car insurance information can be read at these links:

• Alcohol Impaired Driving FAQ (iihs.org)
• How Can I Save Money on Auto Insurance? (Insurance Information Institute)
• What is Gap Insurance? (Insurance Information Institute)
• Safety Features for Your New Car (State Farm)