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Tips for El Paso Residents to Lower Auto Insurance

Residents of El Paso, TX enjoy living in the sixth largest city in Texas and the 19th largest city in the United States. Being a bustling metropolitan area, people must deal with traffic hazards all the time and adequate insurance coverage becomes increasingly important. But what about the high insurance costs? Below are several simple ways for El Paso residents to save money on car insurance.

With a population of 800,647 in 2010, the El Paso County is a busy area with people and vehicles clogging up the roads. To keep themselves, their vehicles and others safe, all vehicle owners are required by the state of Texas to have auto insurance.

But often it becomes difficult for people to find desired insurance at affordable rates. By saving money on car insurance, you can easily lower the cost of your commute. The route to lower insurance premiums is very simple, all you need is a nose for great deals.

It all begins with your auto insurance search. Comparison shopping is a great idea, as you can get two or three quotes from multiple sources. There are many known comparison portals allowing users to search for a free quote online, including here on this site.

Just liability insurance for older vehicles in El Paso?

Before you look for new quotes, it would help to review your current auto insurance policy. You may choose to drop unnecessary coverage. If you have an older vehicle then comprehensive or collision coverage may be a no go for you. Do the math and calculate the annual cost to insure older vehicles as opposed to their potential sale value. If the insurance cost tops the resale value, then modify your coverage to liability auto insurance only.

Combined policies reduce insurance rates in El Paso

Another great way of saving money is to buy car insurance and homeowners insurance from the same insurance company. This way, you become eligible for a multi-policy discount for purchasing both from a single provider. You can save money on both car insurance and homeowner’s policy with this move.

Increase your deductible

If you want to lower your monthly premiums, try to notch up your deductible. To be safe while increasing your deductible, keep aside an adequate emergency fund to cover the cost of the deductible. You will see that with higher deductibles, the monthly premiums can go down significantly.

The insurance providers’ market is booming and there is stiff competition among providers. With this competition among insurers, they can offer deals and discounts which can benefit you financially. Consider inquiring about other discounts when discussing your policy quote with an insurance provider. These include:

• Low-mileage driving
• Install car alarms
• Complete defensive-driving courses

Group insurance discounts

You can also get a group discount if your company or organization has a relationship with an insurer. Usually unions get into partnerships with insurance providers and this gives the union members an opportunity to save through a group discount.

You can also lower your premiums by maintaining a clean driving record. With a number of violations of your driving profile, you become a high risk driver and the premiums go up. Having a good credit report also helps lower the premiums. Manage your money well and you are more likely to save on car insurance premiums. Driving safe, low maintenance cars that are less likely to be stolen and whose repairs will cost less is also a smart way of lowering the cost of your auto Insurance.

El Paso residents can follow all of these tips and get the desired coverage at affordable costs. InTexasAutoInsurance.com is the leading FREE online insurance comparison portal serving all areas of Texas including El Paso. Auto Insurance quotes from the leading insurers are available – and you can save up to 50% in just 7 minutes.