This far western city in the state of Texas features a growing economy with towering skyscrapers, highways connecting different parts of Texas, beautiful driveways and tourist places that attract people from all over the world.So there is a lot of travelling going on in El Paso. Auto insurance is a must if you are living in El Paso.
The state department of insurance requires all the cars to be insured. The minimum coverage requirement in El Paso is known as the 30/60/25 law.
As per this law, you will be covered in three forms of insurance coverage. Individual bodily injury liability in which the company will pay a maximum of $30,000 to the person for injuries sustained in an accident.
Second is total bodily injury liability whereby a total sum of $60,000 would be paid for all the persons seated in the car whi have been injured. The last is property damage liability whereby the company shall pay $25,000 for any damages caused to property.
It is evident that being one of the biggest cities of Texas, Best Auto Insurance is a huge cost in El Paso. The average cost of insurance coverage in El Paso is higher as compared to the national average cost.
So people are always looking forward to saving money in terms of insurance cost by opting for companies offering cheapest car insurance in El Paso.
The rate of insurance prevailing in a city depends on a number of variables. One of these variables is the type and model of vehicle that is driven most in the city. According to research data, the most driven cars in El Paso include Ford, Chevrolet, Nissan Altima, Honda Accord and GMC Sierra.
Apart from this, factors like number of accidents that take place in a city also determines insurance rate. As per ranking of safe driving, El Paso ranks as 50th city among 200 cities of the US which is not quite good ranking.
Driving conditions in El Paso are also a bit difficult which lead to chances of accidents. Overall the weather in El Paso is hot and humid throughout the year. But when it rains, it can bring floods and thunderstorms, impairing the visibility of drivers. Road conditions are also not up to the mark and lead to accidents.
Majority of roads are rated average or poor in condition. This leads to traffic congestion and accidents become a possibility. The amount of traffic rules violations prevailing in a city also impacts the rate of insurance. El Paso has some serious issues with drunk driving which the city aims to curb. Moreover, the high number of theft of vehicles also causes the average rate of insurance to go high in Texas.
The good news for residents is that there are a number of companies from which you can shop ariud and get the cheapest auto insurance rate in El Paso. Some of these are Allstate, Farmers, GEICO, Progressive and USAA. These are the top insurance companies in El Paso that offer the cheapest auto insurance rate.