Auto Insurance Tips

At Paso Insurance, we offer unbeatable personalized service designed to minimize the cost of your auto insurance coverage. Think of us as a free, online car insurance broker-you tell us what you need, and we scour the market to find you the most affordable policy options. Using Paso's customized insurance search tools is one way to save on your next auto policy, but the list doesn't end there. Read on to learn other auto insurance tips that can substantially lower the cost of car insurance coverage.

1. Don't overlook discounts. Auto insurers offer dozens of discounts for which you might qualify. Depending on your insurer, qualifying for just one discount may save you up to 20 percent on your policy. Common car insurance discounts include those for seniors, loyal customers, good drivers, good students, members of certain organizations, and more. Don't assume that your insurer will automatically apply the discounts for which you're eligible. Ask your provider for a list of available discounts so you can request the ones to which you're entitled.
2. Remember that the online market is the most competitive. Because so many car insurers have to vie for the business of each customer, the online auto insurance market is extremely competitive. High levels of competition mean lower insurance rates, so this works to your advantage. Paso Insurance uses this competitive atmosphere to find inexpensive policies tailored to your coverage needs.
3. Get quotes on a variety of different policies. When you shop for your policy with Paso, we'll give you the opportunity to customize your car insurance quote by changing your coverage levels, deductibles, etc. To find the best value, request auto insurance quotes on different versions of the same policy. For example, you might view a quote for a policy with a $500 deductible and a quote on the same policy with a $1,000 deductible.
4. If you have an older vehicle, drop collision and comprehensive. An auto insurance company will only reimburse you for up to your vehicle's actual cash value if you make a claim on your collision or comprehensive coverage. If your vehicle's cash value is small or nonexistent, these coverages will cost you more than they're worth. A good rule of thumb is to drop the coverages if your car's actual cash value is less than ten times the total annual premiums you're paying. For instance, if you pay $400 per year for collision and comprehensive but your car is only worth $3,000, you should drop the coverages to save money on your policy.