Being a U.S. / Mexican border town, El Paso tends to be congested with cargo trucks and cars coming and going all the time. Shoppers from both Texas and Juarez commute for wholesale and retail trade. All this congestion leads to higher traffic accident risks.
As a licensed driver, you are required to carry a minimum amount of coverage, however that does very little to protect you financially if you are involved an accident.
Most licensed insurance agents recommend drivers carry full coverage insurance. This coverage will protect you financially if your car is damaged or if you are injured in an accident.
While having full coverage adds to your monthly insurance costs, there are a number of ways to save money if you are a safe driver with a good driving record. A licensed Spanish-speaking agent (if required) can supply you with a number of free car insurance quotes and help you find cheap rates.
SR22 coverage assures the Texas Department of Public Safety (TxDPS) that you have the minimum amount of insurance coverage and generally applies to those drivers who commit serious driving offenses. It is also a requirement for some with a suspended license in order to have their license reinstated.
There are a variety of reasons you may be considered high-risk and be required to purchase an SR22 endorsement:
Mexican driver’s licenses aren’t valid after 90 days in the State of Texas when driving a U.S. registered vehicle. However, Mexican nationals can use their Mexican Driver's license to drive a car registered in Mexico that has Mexican plates for more than 90 days.
If you need assistance in purchasing insurance with an out of state or Mexican driver’s license, contact your local insurance agent.
With such a competitive real estate market and increasing property values in El Paso, homeowners can protect themselves financially by securing home insurance.
There are various licensed insurance agents who serve the Hispanic communities across this bustling city who can give free home insurance quotes to ensure you have the best protection for the cheapest price. He or she can also explain the different coverage options, such as:
Average insurance rates cost between about $75 – $100 per month. However, rates can vary based on a number of factors.
Depending on the type of business you own, Texas law requires certain types of coverage. An independent insurance broker who specializes in business insurance can ensure you have the coverage you need to be compliant with Texas law, and also protected from certain situations that can affect your business.
Some of the most common forms of business insurance are:
Small business owners in El Paso would benefit from purchasing a Business Owners Policy (BOP) package. It is a way to combine several lines of coverage, like general liability, property and commercial insurance and business interruption; with one low cost.
While many private employers in Texas can opt not to carry workers’ compensation insurance, it is highly recommended for any business where there is risk for injury or illness, such as:
A Construction Bond is a type of surety bond that protects project owners and investors from financial loss, whether public works project valued at $25,000 or more or a private renovation.
How the bond works: Unlike insurance, which pays a claim on your behalf; if you, as a contractor, do not provide the work results or employee payments as outlined in your agreement, the surety company will pay the claim initially, and will then come to you for full reimbursement of the amount paid.
Bond rates can vary depending on the amount of bond you need secured, the nature of your business and your credit history. The cost you pay is a percentage of the total bond amount.
Whether your employees are delivering products, transporting equipment or people, or traveling from worksite to worksite, commercial auto insurance will protect your business from claims as the result of an accident with a company vehicle.
Commercial auto insurance covers all types of company-provided vehicles, such as:
Cargo vans, delivery trucks, catering and food trucks, livestock trailers, buses, garbage trucks, utility trucks, limousine, 18-wheeler trucks and more.
Even if you use your personal vehicle for work-related tasks such as Uber or Lyft, or have your own janitorial/cleaning service, as a self-employed person, it is important to know that regular car insurance will not cover any damage related to an accident while working.
Commercial auto insurance provides protection against liability, comprehensive and collision, personal injury or medical payments and uninsured motorist.
Independent insurance brokers licensed with private health insurance companies can assist you with your Medicare needs and benefit questions.
While individuals 65 years and older are automatically eligible for benefits, individuals under 65 may qualify if determined to be permanently disabled.
In addition, to a standard Medicare plan, there are additional plans available for purchase to give you complete health coverage.
A licensed health insurance agent can help you find assistance programs to help off-set or lower some of the Medicare costs.
The Bilingual Insurance Agency Directory. Since 2008, Seguro-Insurance.com has helped consumers find affordable insurance rates in their native language.
