In El Paso, Texas auto insurance is pretty much a non-negotiable financial product to have, because of the financial responsibility laws the state has in place. Therefore residents of this city need to be aware of the basics of EL Paso auto insurance to ensure they make the best decision for their needs.
State Requirements For El Paso Drivers
In Texas the minimum insurance coverage required by law, to prove the financial responsibility of car owners, is referred to as 25/50/25. This basically means that the limits are:
$25,000 bodily injury per person injured in an at-fault accident
$50,000 total per accident for bodily injury
$25,000 property damage per accident
These limits are very low and would not cover the costs of injury, death or even sometimes property damage if the accident were very serious. Therefore, you should consider carrying higher limits like 100/300/100.
Other Coverage Options Available
You should consider carrying comprehensive and collision coverage if your vehicle is still worth a reasonable amount of money. If the car is financed, your lender will probably require you to carry collision and comp.
Uninsured/underinsured motorist coverage is to protect you in case you are involved in a car accident where the person who is at fault has no insurance or has inadequate coverage.
Medical payments will help to reimburse you for certain medical expenses that may not be covered otherwise in case of injury due to a car accident, regardless of who is at fault.
El Paso Auto Insurance Companies
There are a wide variety of companies offering car insurance in the state of Texas. Some of those, which serve the El Paso area include:
Allstate
Unitrin
Progressive
GEICO
SF Insurance
Nationwide
Farmers
Keep in mind that you should thoroughly check out any company you plan to do business with. You can do so by finding the company's rating from one of the independent insurance rating companies like Moody's or Standard & Poor's. If the rating is an A or better, you can feel confident that your choice is a stable one.
Compare El Paso Car Insurance Quotes Online
When you are ready to start shopping for your El Paso car insurance, you can do so quickly and easily, 24 hours a day, by using a free online quote tool. These effective tools make shopping for car insurance a breeze.
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