Saving money on car insurance in Austin does not have to be difficult. You can begin now by getting a free quote. All you have to do is enter your zip code and you will be presented with auto insurance companies, offering coverage in Austin and around the state of Texas. Then, all you have to do is pick one or more to get a quote from.
Additionally, you do not have to get all your quotes online. You can also phone individual insurance companies and/or visit local agents. Below we have provided links to various insurance companies with a presence in Austin.
Austin Car Insurance Agents
You can get a quote for car insurance from one of several local Austin insurance agents. Here are some of the larger companies that may offer coverage in your area.
The Allstate website lists 62 agents working in and around the Austin area. In addition, they have staff that can help you in a variety of languages beyond English including Spanish, Filipino, Farsi, and Chinese.
At the current time Farmers has at least 50 insurance agents serving the Austin area. So no matter which part of the city you live in, there should be an agent close by.
Since Geico focuses more on selling insurance policies online and by phone, they generally don’t have a large number of agents in any location. In Austin there is just one Geico insurance agent.
Progressive’s website lists 20 agents who work within 10 miles of City Hall. Therefore, there might by one close to you.
State Farm has a very large number of agents operating in Austin. At the current time they have at least 50 agents working in insurance offices all over the city. Giving you the possibility of being able to talk to a real person when you need it.
Your insurance agency not listed? If you own an insurance agency that operates in Austin and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
Average Austin Auto Insurance Rates
According to CarInsurance.com the average driver in Austin can expect to pay an annual premium of $1,395 per year for car insurance in the city. This about $100 more a year than the Texas state average, but about $40 cheaper than the US national average. Overall, Texas has among the lower rates in the United States, but since Austin is a fairly large city there are still many accidents, which drive up rates.
Driving in Austin
Staying accident free is a good way to keep your Austin car insurance premiums low. It currently ranks as the 26th worst city to drive in. So, you should know where and when accidents are happening to avoid them. The Austin City Connection provides near real time traffic reports for both the city of Austin and Austin-Travis County.
If you do get in an accident you may be able to avoid higher insurance rates by taking a defensive driving course. However, the choice of whether or not this is an option is up to the court. You can find out more about the program from the City of Austin’s Defensive Driving page. You can always save money by taking a defensive driving course on your own and then telling your insurance company. Many companies offer discounts to drivers who have completed such courses voluntarily.
Texas Auto Insurance Laws
When driving in Austin you agree to abide by Texas’ auto insurance laws. The two most important things you need to know are the Texas Financial Responsibility Law for minimum auto liability insurance limits. For 2011, the law requires a Bodily Injury Liability minimum limit of $30,000 per injured person up to a total of $60,000 per accident, and Property Damage Liability coverage with a minimum of $25,000. This is what is known as the 30/60/25 car insurance coverage.
The other important piece of legislation to be aware of is the Texas Consumer Bill of Rights For Personal Auto Insurance. It sets out what your insurance company can and can’t do when issuing a new policy. Moreover, your insurance company is required by law to give you a copy with your policy.
Austin auto insurance, like all car insurance in Texas, is based on the Tort System. This declares that in every accident, there must be someone at fault. They must be held liable for the injuries and damages suffered by the injured party. Including property and medical payments if required.
Getting An Austin Car Insurance Quote Online
Therefore, now that you know a little bit more about car insurance in Austin and Texas you may want to take advantage of a free online quote. Yet, you will find that there are many policy options to choose from.
For example, if you are taking out an Austin car insurance policy, you may consider adding the Uninsured/Underinsured Motorist Bodily Injury coverage to your basic insurance coverage. This is not required but it may be proved valuable in certain cases. It covers bodily injuries that are caused by uninsured and/or underinsured drivers.
Getting instant car insurance quotes online gives you numerous options in getting the best deals for your policy. Different car insurance providers are now offering different options and packages that may be suitable for your needs and which are appropriate for your budget. Some of the offerings available are the Minimum State Required package and others are among the more wide-ranging coverage packages.
You may also opt to customize your auto insurance coverage by selecting your own limits and deductibles. You may choose the features that you think are suitable for your needs and preferences. You may make your own policy, provided the minimum basic coverage is not omitted.
Car insurance rates differ from one insurance company to another, which is why shopping around is the most prudent way to go. A quick car insurance quote is available online. You just have to find for the best offers and a reputable car insurance company to take out your auto insurance from. Remember that the best does not always have to be expensive. See what rates yo can get based on all your options below: