Best Cheap Auto Insurance in El Paso 79904
Are you looking for cheap auto insurance in El Paso without sacrificing coverage and service? Auto Insurance Center is here to provide you with the best cheap auto insurance rates and quality service all while helping you learn more about your city.
Located on the south banks of the Rio Grande river, El Paso, Texas, has been ranked as one of the safest cities of its size in nation. With Ciudad Juarez across the border and river, El Paso is also considered the largest binational workforce in the Western Hemisphere.
First inhabited by various Native American tribes, the Spanish arrived in the mid to late 1500s, who gave the area the name, “El Paso del Norte” which translates to “the Pass of the North.”
Missions were created in the mid 1600s and by the middle of the 18th century, about 5,000 people (Spaniards, Mestizos and Native Americans) lived in the El Paso area.
After the Mexican war, a fixed boundary was created under the Treaty of Guadalupe Hidalgo and El Paso became a border town, as the treaty traced the boundary between the United States and Mexico, including up the main channel of the Rio Grande.
In March 1850, El Paso County was established. The establishment of railroads in the late 1800s is what turned El Paso into a metropolis and doubled the city’s population.
El Paso is known for its cultural festivals and events including: Amigo Airsho, Fiesta de las Flores, El Paso Balloonfest and various music festivals. El Paso attractions include: Historic Mission Trail, El Paso Museum of Art, El Paso Zoo and Ysleta Mission.
El Paso is home to minor league baseball, ice hockey and indoor soccer teams. In addition, El Paso hosts the Sun Bowl, the second oldest consecutive college football bowl game after the Rose Bowl.
El Paso Driving Conditions
El Paso is known for its both cold and hot desert climate. The average temperature is 64.65 degrees, while the average annual rainfall is 9.69 inches. In the summer months, much of the rain is caused by moist winds from the Pacific, Gulf of California and Gulf of Mexico. These storms and monsoons often cause flash flooding and sometimes hail in the region. In the spring, the dry season can cause wind and sand/dust storms, creating less visibility.
However, El Paso is also nicknamed “The Sun City” because of its high rate of sunshine throughout the year.
El Paso is a less congested city with few damaged roads. Drivers can learn more about current traffic issues by visiting the City of El Paso website.
According to the 2015 Crime in the United States report, Texas had 777,739 accounts of property crime and 67,485 accounts of vehicle theft. Within cities and metropolitan areas in Texas, vehicle theft was reported 64,093 times.
Texas Driver’s Licence
As a legal resident of Texas, you’ll need to obtain a Texas driver’s licence. Those with a valid out-of-state driver’s licence or a Canadian operator’s license are not required to take a knowledge or skills exam.
Seat Belt Laws
The Texas Click It or Ticket law requires all adult passengers in vehicles to wear a seat belt. Children younger than 8 must ride in a child-safety seat or booster seat unless they are 4 feet and 9 inches tall. A seat belt violation can result in fines ranging from $25 to $250, plus court costs.
In El Paso city limits, drivers and passengers must wear seatbelts.
Cell Phone & Texting Laws
Texas has no statewide law banning the use of cell phones in vehicles. However, various local municipalities prohibit or limit the use of cell phones while driving.
Currently, Texas has no law prohibiting texting while driving. However, various local municipalities have laws that prohibit or limit the use of texting.
Adopted in March 2010, the El Paso city code prohibits the use of “wireless communication devices while operating a motor vehicle.”
If people are going to commit crimes in Texas, they will need to let their intended victims know what they are going to do before they do it.
The law requires that they give this notice at least 24 hours before the crimes are committed.
You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud.
To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.