Want to learn how to buy more affordable Kia Soul EV insurance in El Paso? Nobody rejoices having to buy insurance, in particular when the cost is too high.
Inconceivable but true, the vast majority of consumers have stayed with the same insurance company for well over three years, and nearly 40% of drivers have never compared rates from other carriers. Many drivers in El Paso could save approximately 70% every year by just shopping around, but they don’t invest the time required to compare rate quotes online.
Steps to buying low-cost Kia Soul EV insurance in El Paso
It takes a little time, but the best way to get low-cost auto insurance rates is to begin comparing prices regularly from insurers that sell auto insurance in El Paso.
First, spend some time learning about what is in your policy and the things you can control to keep rates in check. Many rating criteria that are responsible for high rates such as traffic violations, accidents, and an unfavorable credit rating can be rectified by paying attention to minor details. Continue reading for more details to help prevent high rates and get discounts that may be overlooked.
Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes from many different companies. Begin your rate comparison
Third, compare the new rate quotes to the premium of your current policy to see if a cheaper rate is available. If you can save money and decide to switch, ensure there is no coverage lapse between policies.
Fourth, provide notification to your current agent or company of your intent to cancel the current policy and submit payment along with a signed and completed policy application for your new coverage. Be sure to place the new proof of insurance paperwork along with the vehicle’s registration papers.
One key aspect when comparing rates is that you’ll want to make sure you compare identical limits and deductibles on each quote and and to get rate quotes from as many auto insurance providers as possible. This helps ensure an accurate price comparison and a complete price analysis.
Many insurers vie for your insurance dollar, and because of this it can be hard to compare insurance companies to get the best rate on Kia Soul EV insurance in El Paso.
It is always a good idea to compare premium rates periodically since insurance prices are adjusted regularly by insurance companies. If you had the best deal on Kia Soul EV insurance in El Paso at your last renewal you may be paying too much now. Block out anything you think you know about insurance because it’s time to teach you the fastest and easiest way to save on insurance.
If you have insurance now, you should be able to find better prices using the ideas presented in this article. Finding the cheapest auto insurance coverage in El Paso is quite easy. But Texas drivers must comprehend how the larger insurance companies price insurance differently and apply this information to your search.
Why You Might Pay Lower Rates in El Paso
Lots of factors are part of the equation when pricing auto insurance. Most are fairly basic like your driving record, but some are less apparent such as whether you are married or how safe your car is.
The items below are some of the items used by companies to determine rates.
- Single drivers take more risk – Having a spouse can get you a discount compared to being single. It may mean you are more mature than a single person and insurance companies reward insureds because married drivers tend to file fewer claims.
- Responsible credit saves on car insurance – Having a bad credit rating will be a significant factor in determining what you pay. Consumers who have excellent credit scores tend to be more responsible than those with worse credit. So if your credit score could use some work, you could save money insuring your Kia Soul EV if you improve your credit rating.
- More policies can equal more savings – Lots of car insurance companies give discounts to insureds that have more than one policy. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even with this discount, it’s still a good idea to compare other El Paso Soul EV insurance rates to help guarantee you have the best rates.
- Accidents drive up rates – Your driving record can have a huge impact on auto insurance premiums. Drivers who don’t get tickets pay less for auto insurance than bad drivers. Only having one ticket may cause rates to rise twenty percent or more. Drivers who get multiple citations such as hit and run, DWI or reckless driving convictions may be required to file a SR-22 with the DMV in their state in order to continue driving.
- Deter theft and reduce premiums – Choosing a vehicle with an alarm system can get you a discount on your car insurance. Systems that thwart thieves like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop car theft and help bring rates down.
- Safer vehicles cost less to insure – Safer cars get lower rates. Safer cars reduce the chance of injuries and any reduction in injury severity translates into savings for insurance companies and thus lower rates.
When comparing insurance rates, know that obtaining a wide range of quotes provides better odds of finding a better price.
The auto insurance companies shown below offer free rate quotes in Texas. If multiple providers are shown, we suggest you compare several of them in order to find the cheapest rates.
Protect more than your Kia Soul EV
Even though it can be expensive, insurance may be required for several reasons.
- The majority of states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability protection in order to drive the car legally. 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 have a lien on your Soul EV, most lenders will require that you have physical damage coverage to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender will be forced to insure your Kia for a much higher rate and force you to pay the higher price.
- Car insurance protects not only your vehicle but also your assets. It also can pay for medical expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance also pays for attorney fees and expenses in the event you are sued. If your car is damaged in a storm or accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of insuring your car are without a doubt worth the cost, especially when you need to use it. Despite what companies tell you, the average driver is overpaying more than $750 every year so compare quotes from several companies at least once a year to save money.
Lower rates by qualifying for discounts
Some companies don’t always list all their discounts very clearly, so we break down some of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy El Paso auto insurance online. If they aren’t giving you every credit possible, you could be saving more on your insurance.
- E-sign Discounts – A handful of larger companies will discount your bill up to fifty bucks for completing your application over the internet.
- Low Mileage Discounts – Keeping the miles down on your Kia may allow you to get discounted premium rates on garaged vehicles.
- More Vehicles More Savings – Insuring more than one vehicle with the same insurance company can get a discount for every vehicle.
- Telematics Data Discounts – Policyholders that allow their company to analyze vehicle usage by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates as long as they are good drivers.
- Student in College – Any of your kids living away from El Paso attending college and won’t have access to an insured vehicle can be insured at a reduced rate.
As is typical with insurance, most discounts do not apply to your bottom line cost. Most only cut individual premiums such as comprehensive or collision. Even though the math looks like you could get a free insurance policy, that’s just not realistic. But all discounts will bring down the amount you pay for coverage.
A few of the larger companies and some of the premium reductions they offer are detailed below.
- Farmers Insurance may offer discounts for alternative fuel, early shopping, homeowner, business and professional, switch companies, bundle discounts, and electronic funds transfer.
- State Farm offers premium reductions for anti-theft, multiple autos, good student, good driver, accident-free, and driver’s education.
- Liberty Mutual may include discounts for multi-car, new move discount, newly married, preferred payment discount, hybrid vehicle, safety features, and teen driver discount.
- MetLife policyholders can earn discounts including good student, defensive driver, claim-free, good driver, multi-policy, and accident-free.
- Progressive includes discounts for online quote discount, continuous coverage, multi-vehicle, multi-policy, online signing, good student, and homeowner.
Check with all the companies which credits you are entitled to. All car insurance discounts may not be offered in El Paso. For a list of companies with discount insurance rates in Texas, click this link.
Local neighborhood insurance agents
Some people would rather get professional advice from a licensed agent and doing so can bring peace of mind A good thing about comparing insurance prices online is that you can find cheap auto insurance rates and still choose a local agent.
After completing this quick form, your insurance data is transmitted to agents in your area who will give you bids for your insurance coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies since rate quotes are delivered to your email. Get lower rates and work with a local agent. If you wish to compare rates from a specific insurance company, you just need to visit that company’s website and give them your coverage information.
Choosing an insurer requires more thought than just the premium amount. The questions below may impact your decision as well.
- Do they write coverage based solely on cost?
- What kind of financial rating does the company have?
- Is the quote a firm price?
- Is the coverage adequate for your vehicle?
- Does the agency have a good rating with the Better Business Bureau?
- Do they offer rental car reimbursement?
- Are they able to provide referrals?
- Do they have any clout with companies to ensure a fair claim settlement?
If you are wanting to purchase auto insurance from a good El Paso insurance agent, you should know the different types of agents that you can select. Agencies in El Paso can be described as either exclusive or independent.
Exclusive Insurance Agencies
These agents can only provide one company’s prices and examples are AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agencies are unable to compare other company’s rates so you need to shop around if the rates are high. Exclusive agencies are trained well on their company’s products and that can be a competitive advantage.
Shown below are exclusive agencies in El Paso that are able to give price quote information.
Elizabeth Campos – State Farm Insurance Agent
9411 Alameda Ave o – El Paso, TX 79907 – (915) 860-7980 – View Map
James Cuilty – State Farm Insurance Agent
10318 McCombs St – El Paso, TX 79924 – (915) 881-4956 – View Map
Sandra Serna – State Farm Insurance Agent
10965 Ben Crenshaw, Ste D3 – El Paso, TX 79935 – (915) 591-0727 – View Map
Independent Agents (or Brokers)
Agents that choose to be independent do not write with just one company so they can write business with a variety of different insurance companies depending on which coverage is best. To transfer your coverage to a different company, they can switch companies in-house and you won’t have to switch agencies. If you need cheaper auto insurance rates, you absolutely need to get some free quotes from independent agents in order to compare the most rates.
Shown below is a list of independent agents in El Paso who can help you get price quote information.
Colonial Insurance Agency
7636 Gateway Blvd E – El Paso, TX 79915 – (915) 592-0999 – View Map
Texas State Insurance Agency
1501 N Mesa St – El Paso, TX 79902 – (915) 838-1501 – View Map
Red Rock Insurance Agency
9109 Dyer St f – El Paso, TX 79924 – (915) 759-9000 – View Map
Upon receiving reasonable responses for all questions you ask as well as offering an affordable quote, most likely you have located an auto insurance agent that can be relied on to provide auto insurance coverage.
Texas auto insurance company ratings
Choosing a good quality insurance company can be rather challenging considering how many different insurance companies sell coverage in Texas. The company information in the next section can help you analyze which auto insurance companies to look at when comparing rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
When do I need an agent’s advice?
When quoting and choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Each situation is unique so your insurance should reflect that
These are some specific questions may help highlight whether your personal situation would benefit from professional advice.
- Am I getting all the discounts available?
- Am I covered when driving on a suspended license?
- How much can I save by bundling my policies?
- How can I get my company to pay me more for my totaled car?
- What is roadside assistance coverage?
- How much liability do I need to cover my assets?
- Will my insurance pay for OEM parts?
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.
Affordable car insurance premiums are possible
Lower-priced car insurance in El Paso can be purchased online in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection. Some insurance providers may not offer online rate quotes and usually these smaller companies only sell through local independent agents.
When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.
We just presented a lot of tips how to save on Kia Soul EV insurance in El Paso. It’s most important to understand that the more you quote El Paso auto insurance, the better your chances of lowering your auto insurance rates. Consumers may even find the lowest rates come from a lesser-known regional company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as GEICO and State Farm.
Steps to finding affordable quotes for Kia Soul EV insurance in El Paso
It takes a few minutes, but the best way to find the cheapest price for Kia Soul EV insurance in El Paso is to compare prices annually from providers in Texas. Rates can be compared by following these guidelines.
- Get a basic knowledge of how insurance works and the things you can control to lower rates. Many rating factors that increase rates such as traffic violations, accidents, and poor credit history can be controlled by making small lifestyle or driving habit changes.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or Allstate, while agents who are independent can give you price quotes from many different companies.
- Compare the price quotes to your existing rates to determine if switching companies saves money. If you find a better price, make sure coverage does not lapse between policies.
- Notify your company or agent of your intent to cancel your current policy and submit any necessary down payment along with the completed application to the new company. Be sure to store the certificate verifying coverage in your vehicle.
The critical component of shopping around is to compare similar deductibles and liability limits on each quote and and to get rates from as many auto insurance providers as possible. Doing this guarantees a fair price comparison and maximum price selection.
More detailed car insurance information is located in these articles:
- Vehicle Safety Ratings (iihs.org)
- State Laws for Cellphones and Texting (iihs.org)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)