Insider Methods to Cheaper Austin Texas Auto Insurance

Finding lower rates for Austin auto insurance is hard for consumers not familiar with buying insurance online. Drivers have so many companies to choose from that it can easily become a big hassle to compare prices in Austin.

Be sure to get all your discounts

Car insurance can cost a lot, but you may find discounts to reduce the price significantly. Some trigger automatically when you purchase, but a few need to be asked about before you will receive the discount. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Drivers Education – Require your teen driver to enroll in driver’s education in school.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Defensive Driving Course – Completing a driver safety course can save you 5% or more if you qualify.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Paperless Signup – A few companies will discount your bill up to fifty bucks for buying a policy and signing up online.
  • No Charge for an Accident – A few companies allow you one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.

It’s important to note that some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because you may think you could get a free auto insurance policy, auto insurance companies aren’t that generous. But all discounts will help reduce your premiums.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions can help discover whether or not you will benefit from professional help.

  • What companies insure drivers after a DUI or DWI?
  • If my vehicle is totaled, can I afford another vehicle?
  • When do I need to add a new car to my policy?
  • Is Texas a no-fault state?
  • Do I need roadside assistance coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need PIP coverage since I have good health insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Does my vehicle need full coverage?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.Austin auto insurance

Save $491 a year? Really?

Texas consumers can’t ignore all the ads for cheaper car insurance by Allstate, GEICO and Progressive. All the ads make an identical promise of big savings if you change to their company.

But how can every company make almost identical claims?

Different companies are able to cherry pick for the type of driver that is profitable for them. For example, a preferred risk might be a mature driver, is a homeowner, and has a short commute. Any new insured who matches those parameters will get very good rates and most likely will save a lot of money.

Potential customers who don’t meet this ideal profile will be quoted higher prices which leads to business going elsewhere. Company advertisements say “customers who switch” not “everybody who quotes” save money. This is how insurance companies can confidently advertise the way they do.

This emphasizes why you absolutely need to get quotes from several different companies. It is impossible to predict which company will have the lowest rates.

Some additional reading

Additional information is located on the Texas Department of Insurance website. Click here for link. Consumers can learn about specific coverages, report car insurance fraud, and read consumer alerts.

Austin auto insurance

Buy online or local, you save

Insureds who switch companies do it for a variety of reasons including policy non-renewal, lack of trust in their agent, high prices or even not issuing a premium refund. It doesn’t matter what your reason, finding a great new company can be less work than you think.

As you shop your coverage around, it’s not a good idea to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to regret they didn’t have enough coverage. Your focus should be to find the BEST coverage at the best price while still protecting your assets.

We just covered a lot of tips how to save on auto insurance. The key concept to understand is the more times you quote, the higher your chance of finding lower rates. You may even find the lowest premiums are with a company that doesn’t do a lot of advertising.