Interesting Facts about El Paso
As the sixth largest city in the state of Texas, El Paso’s estimated population was 563,662 as of 2000. El Paso borders Mexico at the Rio Grande’s northern bank and is a popular place of entry to the states from Mexico. The city’s progress can be attributed to industries such as medical manufacturing, automotive industry, food processing, high tech jobs and defense. El Paso also offers many choices for affordable auto insurance. Car insurance providers such as Wells Fargo, Farmers, Brown & Brown, Pan American Insurance, AAA, Allstate, State Farm, Bristol West, Safeco, Travelers, GMAC and many others can provide you with a variety of options to secure the type of policy you need.
El Paso statistics do influence car insurance rates a great deal. For example, El Paso had 37 fatal automobile accidents in 2007. These crashes involved 98 persons and 57 automobiles. The city also reported more than 3,000 stolen vehicles in 2007. Another important statistic is local work commute time, which averages 22.4 minutes for El Paso residents. Insurance companies will consider these factors when insuring folks in El Paso.
Providers also consider the type of car you own. If your car happens to be on the “most stolen automobiles” list for Texas, you might incur higher premiums. The top stolen cars include the 2004 Dodge Ram Pickup, 1996 Honda Accord, 2000 Honda Civic, 1994 Chevy Full Size 1500 Pickup and the 2004 Ford F-250. Be sure to check rates before buying one of these types of vehicles.
Texas Car Insurance – Liability
Texas motorists are required to carry at least $25,000 (per person) of Bodily Injury Liability, with up to $50,000 coverage per accident. Also required is Property Damage insurance in the amount of $25,000. You might see this type of coverage written as 25/50/25. Texas follows the Tort system, meaning you are responsible for covering damages or medical bills if found at fault in an accident. This should encourage you to want the best possible coverage through a reputable provider.
Comparing Car Insurance in El Paso
To find affordable auto insurance in El Paso, use online resources to compare rates. You can easily obtain free quotes from various providers by filling in one simple form. Look for quotes around or near the Texas average, which was $1,809 as of 2009. Keep in mind that this is slightly higher than the national average, which is $1,735. So don’t be surprised if rates are generally higher than expected.
Look for ways to obtain discounts to enjoy huge savings. Student discounts are available for good grades if you have a teen driver. Discounts are sometimes offered for low mileage per year on your automobile, safety products on your car, anti-theft mechanisms, a good driving history, etc. Seek quotes from companies with a strong rating in financial stability as well as customer service. Don’t only go for the cheapest car insurance, but take your time to find reasonable rates from a solid provider. This will ensure that you’ll get the best El Paso car insurance possible!