Amazingly, the vast majority of car insurance customers have remained with the same car insurance company for more than four years, and approximately 40% of consumers have never compared car insurance rates at all. Texas insurance shoppers could save themselves roughly 70% a year, but they just assume it’s a time-consuming process to shop around.
Truthfully, the best way to quote cheaper car insurance rates is to start comparing rates regularly from insurers who can sell car insurance in El Paso. This can be done by following these guidelines.
- First, try to comprehend the coverage provided by your policy and the steps you can take to prevent expensive coverage. Many factors that cause high rates like traffic tickets, fender benders, and an unacceptable credit history can be controlled by making minor changes in your lifestyle. Keep reading for additional tips to help prevent expensive coverage and get bigger discounts that may have been overlooked.
- Second, quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like GEICO and State Farm, while agents who are independent can quote prices for many different companies.
- Third, compare the new quotes to your current policy to see if switching to a new carrier will save money. If you can save money and decide to switch, make sure there is no lapse in coverage.
- Fourth, notify your company or agent to cancel your current car insurance policy and submit the required down payment along with the signed application for your new policy. Be sure to keep the new proof of insurance certificate in your vehicle’s glove compartment or console.
An important note is to use the same liability limits and deductibles on every quote request and and to get prices from as many companies as feasibly possible. Doing this enables the most accurate price comparison and many rates to choose from.
If you have a current insurance policy or want to find a cheaper company, you can learn to save money while maximizing coverage. Quoting and comparing the best insurance policy in El Paso is not that difficult. Smart buyers just have to use the most time-saving way to compare prices online from multiple companies.
Best Toyota Avalon insurance rate quotes in Texas
The companies shown below are ready to provide price comparisons in Texas. If several companies are displayed, we recommend you visit as many as you can to get a more complete price comparison.
Toyota Avalon insurance statistics and information
The data table shown next highlights a range of rate quotes for Toyota Avalon models. Learning how policy rates are figured is important for drivers to make smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalon XL | $358 | $580 | $330 | $20 | $98 | $1,386 | $116 |
| Avalon XLS | $358 | $684 | $330 | $20 | $98 | $1,490 | $124 |
| Avalon Limited | $400 | $684 | $330 | $20 | $98 | $1,532 | $128 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Prices do not factor in vehicle location which can affect premium rates greatly.
Impact of speeding/accidents on El Paso insurance rates
The information below demonstrates how citations and at-fault claims can raise Toyota Avalon yearly insurance costs for each age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
Gender differences in insurance premiums
The illustration below compares Toyota Avalon auto insurance costs for male and female drivers. Data assumes no driving violations, no at-fault accidents, comp and collision included, $100 deductibles, drivers are not married, and no additional discounts are factored in.
Lower rates by qualifying for these five discounts
Insurance can cost an arm and a leg, but there could be available discounts that can help lower your rates. Certain reductions will be credited when you purchase, but some need to be asked for in order for you to get them.
- Accident Forgiveness Coverage – This isn’t a discount exactly, but some insurance companies may permit one accident without the usual rate increase with the catch being you have to be claim-free before the accident.
- Student Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if offered at their school.
- Multiple Cars – Purchasing coverage when you have several vehicles with one company can get a discount on all vehicles.
- Accident-Free Discounts – Claim-free drivers have much lower rates compared to policyholders that have many claims.
- ABS Brakes – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions and will save you 10% or more on Avalon insurance in El Paso.
As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. So even though you would think you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.
The chart below visualizes the comparison of Toyota Avalon insurance premiums with and without policy discounts. Data assumes a male driver, no claims or driving violations, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-car, marriage, safe-driver, and multi-policy discounts applied.
A list of companies and a summarized list of policyholder discounts can be found below.
- GEICO has discounts for defensive driver, daytime running lights, emergency military deployment, military active duty, five-year accident-free, good student, and federal employee.
- MetLife may offer discounts for good driver, accident-free, defensive driver, multi-policy, claim-free, and good student.
- State Farm may have discounts that include accident-free, good student, safe vehicle, student away at school, and anti-theft.
- Progressive discounts include homeowner, continuous coverage, good student, multi-policy, and online quote discount.
- Mercury Insurance offers premium reductions for professional/association, good student, good driver, anti-theft, multi-car, and low natural disaster claims.
- 21st Century offers discounts for student driver, teen driver, theft prevention, 55 and older, homeowners, and driver training.
- Allstate policyholders can earn discounts including new car, EZ pay plan discount, farm vehicle, economy car, utility vehicle, and FullPay discount.
Before buying, ask all the companies how many discounts you can get. Some of the discounts discussed earlier may not apply to policyholders in your state. To find car insurance companies who offer car insurance discounts in Texas, click this link.
Will just any policy work for me?
When it comes to buying a policy, there really is not a best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might point out if you would benefit from professional advice.
- Is my Toyota Avalon covered for smoke damage?
- Am I covered when pulling a rental trailer?
- Who is covered when they drive my Toyota Avalon?
- Will my insurance pay for OEM parts?
- How do I buy GAP insurance?
- Should I get collision insurance on every vehicle?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.
You may need advice from an insurance agency
Certain consumers just prefer to go talk to an agent and often times that is recommended Good insurance agents are trained risk managers and help file insurance claims. The best thing about getting free rate quotes online is the fact that you can find the best rates and still choose a local agent. And supporting local agents is especially important in El Paso.
To find an agent, once you fill out this short form, the quote information is instantly submitted to local insurance agents who will gladly provide quotes and help you find cheaper coverage. There is no need to contact an agency since rate quotes are delivered straight to your inbox. If you wish to compare rates from one company in particular, don’t hesitate to visit that company’s website and submit a quote form there.
The type of auto insurance agent you choose is important
If you are wanting to purchase auto insurance from a reputable insurance agent or broker, you must know there are a couple types of insurance agents and how they work. Auto insurance agents can be described as either independent or exclusive depending on the company they work for. Both can provide auto insurance policies, but it’s important to point out why they differ because it can impact your agent selection.
Independent Insurance Agents
Agents that choose to be independent are normally appointed by many insurers so they can quote policies through many companies and get the cheapest rates. If prices rise, they simply switch companies in-house which requires no work on your part.
When comparing rate quotes, you will definitely want to compare prices from multiple independent agents in order to have the best price comparison. Most also have access to companies you’ve never heard of who may have lower rates.
Below are independent agents in El Paso who may provide rate quotes.
- Texas State Insurance Agency
1501 N Mesa St – El Paso, TX 79902 – (915) 838-1501 – View Map - Cielo Vista Insurance
1132 Geronimo Dr – El Paso, TX 79925 – (915) 772-1406 – View Map - Tony Ramos Insurance
7230 Gateway Blvd E H – El Paso, TX 79915 – (915) 599-1678 – View Map
Exclusive Agencies
Agents in the exclusive channel can only place business with one company such as State Farm, Allstate, and Farm Bureau. Exclusive agents cannot provide other company’s prices so keep that in mind. Exclusive agencies are highly trained on sales techniques which can be an advantage. Consumers frequently buy from exclusive agents primarily because of loyalty to the company and solid financial strength.
Listed below is a short list of exclusive insurance agencies in El Paso willing to provide price quote information.
- Allstate Insurance: Zulema Valles
4301 Montana Ave b – El Paso, TX 79903 – (915) 562-5433 – View Map - Sandra Serna – State Farm Insurance Agent
10965 Ben Crenshaw, Ste D3 – El Paso, TX 79935 – (915) 591-0727 – View Map - Jacobo Akle – State Farm Insurance Agent
6065 Montana Ave STE C1 – El Paso, TX 79925 – (915) 775-2553 – View Map
Deciding on a auto insurance agent is decision based upon more than just a cheap price. Here are some questions you should ask.
- Is assistance available after office hours?
- How would your car be valued if totaled?
- Is the quote a firm price?
- Can you choose the body shop in case repairs are needed?
- Will the agent or a CSR service your policy?
Best auto insurance company in Texas
Ending up with a high-quality insurer is difficult considering how many companies sell insurance in Texas. The rank data listed below could help you analyze which car insurance companies you want to consider when comparing rates.
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
Top 10 El Paso Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Coverages available on your policy
Learning about specific coverages of your car insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages available from car insurance companies.
Medical payments and PIP coverage
Med pay and PIP coverage reimburse you for expenses like pain medications, surgery, funeral costs and nursing services. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Toyota Avalon.
Since many Texas drivers have only the minimum liability required by law (30/60/25), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually these coverages are identical to your policy’s liability coverage.
Auto liability insurance
Liability insurance will cover damages or injuries you inflict on a person or their property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 30/60/25 that means you have a limit of $30,000 per injured person, $60,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.
Liability insurance covers claims like pain and suffering, medical services, funeral expenses, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford. Texas state law requires minimum liability limits of 30/60/25 but you should think about purchasing more liability than the minimum.
The next chart demonstrates why minimum state limits may not be adequate coverage.
Comprehensive auto coverage
Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like theft, a broken windshield, damage from getting keyed, damage from flooding and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision coverage protection
This coverage pays for damage to your Avalon resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for things like crashing into a building, crashing into a ditch, driving through your garage door, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible on your Avalon to get cheaper collision coverage.
Compare. Compare. Compare.
Some insurance companies don’t offer the ability to get quotes online and many times these regional insurance providers only sell through local independent agents. Discount Toyota Avalon insurance is available on the web and also from your neighborhood El Paso agents, and you need to price shop both in order to have the best price selection to choose from.
When you buy El Paso car insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced full coverage and found out when filing a claim they didn’t have enough coverage. The goal is to find the BEST coverage at the best cost while not skimping on critical coverages.
For more information, feel free to visit the resources below:
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Think You’re a Safe Driver? (State Farm)
- What is a Telematics Device? (Allstate)
- Child Safety FAQ (iihs.org)