Great Auto Insurance for as low as $1 a day! Get your Titan Low Cost Insurance Quote Today.
Four Good Reasons to Choose Titan – One of the Best Car Insurance Companies
We believe that drivers are more than their driving records. And you have choices when it comes to finding a good auto insurance company. Here are four great reasons to choose Titan and our agency, Austin Insurance Group.
1. Great coverage and rates from Titan, an affordable auto insurance company
We know you have more things to spend your money on than auto insurance. That’s why we offer, Titan low cost auto insurance. A great policy for as little as $1 a day. Titan offers low cost auto insurance rates and helps you save your hard earned money for the things that are most important to you.
2. Customer service you can count on
Need help understanding what you’re getting for your money? Have a question about a claim? Just call us. Whether it’s helping to make insurance simple or assisting you with getting a claim processed quickly, you can count on our Titan Customer Service.
3. Convenient locations
Need to talk to an agent in person? Just stop by to see our #1 Texas local agent in Austin, Austin Insurance Group. We will be happy to discuss the benefits of choosing Titan.
4. Titan is part of the Nationwide family of companies.
Titan, is a leading discount auto insurance company and affiliated with Nationwide®, one of the nations largest insurance and financial services companies in the world. Nationwide has been helping customers protect what’s most important to them and providing outstanding customer service for more than 80 years.
Get a Titan low cost auto insurance quote
Find out more information about affordable insurance coverage or request a free quote on insurance for high-risk drivers.
Most people don’t know much about car insurance beyond the fact that you are required by law to have it. And buying car insurance isn’t exactly a thrill to shop for. But, when you get into a car accident (and that’s when, not if), even if it’s a little fender bender, you’ll be glad your car insurance company is there to help, that’s if you have the right coverage. A local agent can help you find the coverage that’s right for you and be there when you have an accident.
When you shop for car insurance, you should compare apples to apples. Then make sure you have an agent that takes the time to find out what you have, and tell you about the coverages that you need.
Here’s what you need to know about car insurance and how to find the right policy for you.
Why You Need Car Insurance
Cars are expensive, and car accidents are really expensive. Plus, in addition to car damage, there are also medical expenses to consider. When you consider the cost of an accident, you need to remember that a car accident may involve more than one car. And that can easily increase the cost of the damage. And, if each car has more than one passenger and they all get injured, you can see how collision costs add up.
Car insurance helps you cover those costs. Basically, you pay for an insurance policy, which is much lower than the costs you would incur because of an accident. Then, when you have an accident, your policy covers some of the costs associated with it, as long as you carry the right coverage. What your insurance policy covers depends on the type of coverage you buy. And the type of coverage you buy, may depend on the area that you live in. Your local insurance agent can help you make the best choice and take the time to determine what you need.
Types of Coverage
Who Pays for What?
What Do You Need?
What Should You Pay?
Bring Your Costs Down
Place Your Bets
Shopping for car insurance with Austin Insurance Group can save you time and money. We offer instant Progressive car insurance quotes, you can buy a policy online, or we can compare your rates with the other companies that we represent.
It’s simple. Start with an online quote, then contact our local agent to make sure you have the right coverage for your needs, and get a policy immediately. It’s that easy.
Austin Insurance Group | Local Texas Auto Insurance Agent | (512)339-2901 | Why Buy Car Insurance?
What Is Employment Practices Liability Insurance, or EPLI?
Legislation such as the Family Medical Leave Act and the Americans With Disabilities Act, plus a growing number of job-related lawsuits and claims, have created the need for business owners to consider a type of insurance known as employment practices liability insurance, or EPLI. An EPLI policy offers insurance protection against claims and lawsuits that are brought against a business, its officers or directors, or its employees and managers. These policies generally cover charges in the following areas:
Gender, age and other types of discrimination
Sexual harassment
Wrongful termination or discipline
Negligent compensation, promotion or hiring decisions
Breach of contract for employment
Emotional distress or mental anguish
Invasion of privacy
Libel or slander
Employee benefits mismanagement
While some directors’ and officers’ insurance policies contain employment practices liability insurance coverage, such coverage can be limited to directors and officers, and may have greater exclusions than a standalone EPLI policy.
How does employment practices liability insurance protect your business?
All companies, regardless of size, should look to their personnel policies as the first line of defense against both the number and severity of employment-related claims. EPLI coverage is another valuable tool in a comprehensive risk-management arsenal.
EPLI policies are written on a claims-made basis. This simply means that covered claims must be reported to the insurance company while the policy is in effect, or within an extended period specifically described in the policy. In addition, the event leading to the claim must have occurred either on or after a specific date – typically the date when the EPLI policy commenced. Some insurers offer extended retroactive dates or full protection for earlier claims, but you should be sure you understand these terms.
The cost of EPLI coverage will vary based on the type, size and risk profile of your business. The insurance company may also want to see your written personnel policies to help them determine the risk and cost of your EPLI policy.
Following are additional factors that affect the value and cost of EPLI coverage. It is important to review these exclusions and coverage limitations when evaluating your policy:
You can generally purchase EPLI coverage with limits ranging from $1 million to $25 million.
Most employment practices liability insurance policies include a deductible. In addition, the cost of legal defense is typically included in the aggregate insurance limits, along with the costs of judgments and settlements.
Some EPLI policies contain exclusions that limit coverage during events such as a major work force reduction, acquisition or merger. Generally, criminal conduct is not covered by EPLI.
This is an ever increasing risk and exposure for business owners.
Call Austin Insurance Group today for a free insurance quote. Our Hartford Business Owners Policies automatically include this coverage at $10,000, and you can get up to $1,000,000 limit. Does your policy have it?
Austin Insurance Group | Local Texas Auto Insurance Agent | (512)339-2901 | Employment Practices Liability Insurance
Total time it takes to complete a Progressive online auto insurance quote: about six minutes. Simple and fast — that’s what you’ll discover when you get your auto insurance quote online from Progressive.
Austin Insurance Group – Local Texas Agent since 1994
If you’re shopping for auto insurance online, quote and compare rates all in one sitting. Not only do we give you our rate, we can provide the rates of other top companies after you complete your auto insurance quote online. You can mull over other rates to see which combination of price and service is best for you.
If you choose to purchase Progressive online auto insurance, you’ll receive all the features that come with Progressive insurance — 24/7 live support, local claims service and more — at no extra cost, plus get a local agent, Austin Insurance Group.
Austin Insurance Group | Local Texas Auto Insurance Agent | (512)339-2901 | Easy Online Auto Insurance Quotes
Americans are living longer, healthier, and they are driving later in life. And for older drivers, driving plays a very important role in their independence, mobility, and overall quality of life.
For years there has been a hotly disputed nationwide debate about the safety of older drivers. This discussion often centers on the question “When should an older driver stop driving?” which often leads to questions about mandatory testing for them. The real question that needs to be asked and answered is: “How can older adults continue to drive safely for as long as possible?”
Austin Insurance Group supports safe driving. This post will focus on the role families play.
The Role of Families and Older Drivers
Families can play a very big role in supporting an older relative and encouraging them to drive safely, since they are more familiar with each other’s health, driving habits and skills. They might also notice changes in their driving behavior long before a stranger or even a helpful professional would be able to. For many older adults, conversations about driving take place between spouses or adult children. In fact, older adults preferred that the majority of these conversations be held with family members, or a physician. However, not all of these family conversations are productive or well-informed. For family members to be supportive, they need to be knowledgeable and sensitive to engage in a successful conversation.
If you know older drivers, a friend or relative, and are concerned about their driving safety, you can take the following steps:
Find out if the driver is really unsafe. It is best for family members to observe their loved one’s driving directly over time. Families can take notes, record dates and incidences of good and bad driving practices. Share this information with the driver, family and healthcare professionals to facilitate decisions about driving.
Second, if an older relative is unsafe on the road, it is time to have a family conversation about it. Families should pick the right messenger, talk in private, and be supportive.
It’s not always easy for family members to broach this uncomfortable topic. Getting off to a good start can make the difference between success and failure. Although challenging, these conversations can work.
Choosing the right insurance agent can make a big difference.
An Independent Agent gives you more choices.
With a captive insurance agent, you only get the guidance of one company that sells one brand of insurance.
An independent insurance agent represents multiple brands, and can compare coverage and prices to find the best possible value for your individual circumstances.
We are a member of your community and committed to doing business face-to-face and being your advocate in times of need.
We also:
Work for you when you have a claim.
Are not beholden to any one company. This means you don’t have to change agencies as your insurance and service needs change.
Are your consultants, working with you as you determine your needs.
Are value-hunters who look after your pocketbook in finding the best combination of price, coverage, and service.
Offer one-stop shopping for a full range of products, including home, renters, auto, business, life, health, and retirement plans.
Can periodically review your coverage to keep up with your changing insurance needs.
Are committed to customer satisfaction-it’s the key to their livelihood
Treat you like a person, not a number.
Are licensed professionals with strong customer and community ties.
There is a difference. Discover it with Austin Insurance Group. To find out more about working with an independent insurance agent, please contact us.
Austin Insurance Group | Local Texas Auto Insurance Agent | 512-339-2901 | Independent Insurance Agent
Shop Austin car insurance quotes, rates, policies and coverage with Austin Insurance Group and Progressive online in 6 minutes or less then buy 24/7. Austin auto insurance quotes are easy and only take a few minutes.
Compare Austin car insurance rates to find a policy that meets your needs. Get a free car insurance quote from Progressive now.
Our Austin car insurance policies include:
Terrific rates & discounts Texas drivers spent an average of $854 a year on auto insurance in 2008, according to the National Association of Insurance Commissioners. By choosing Progressive and Austin Insurance Group, you can protect yourself, your passengers and your car—and make sure you get the most for your money. Not only could you save hundreds on Austin car insurance just by switching to Progressive, you’ll get auto insurance discounts and free extras, too.
Austin car insurance coverage options As you complete your Progressive quote, you can have us recommend Austin car insurance coverage for you, use the Name Your Price option if you’re shopping on a budget, or create a custom package. With Progressive behind you, you’ll be prepared for many unexpected situations on the road, from breakdowns to collisions.
24/7 claims & customer service With instant online and mobile access to your Progressive auto insurance policy, you can quickly and securely make a payment, update account information and more—anytime.
You can report an accident online, too, and with a Progressive auto insurance claims office right in Austin, we’ll be there to start your claim so you can get back on the road quickly.
For your repairs, you can choose one of our network shops or our concierge level of claims service, available through our Austin Service Center and we’ll guarantee your repairs for as long as you own or lease your car. Plus, with our concierge level of claims service, you’ll save time and effort by having us manage the entire repair process. You can also choose your favorite repair shop, if you prefer.
“Everything you need to know to about Texas Car Registration”
What do I need to do for Texas Car Registration? The State Law Requires You to Register and Title Your Vehicle in Texas if:
You need to establish residence, or,
You become gainfully employed.
Your vehicle may be operated with current out-of-state license plates for 30 days. Immediate registration is required at the end of such 30-day period.
You are not required to register and title your vehicle in Texas if:
You are a nonresident member of the U.S. Armed Forces or,
You are a nonresident student attending an accredited Texas college or university on a full-time basis. Part-time employment is allowed. NOTE: However, your vehicle must display valid license plates and remain currently registered.
Before you register your vehicle in Texas, it must pass a vehicle safety inspection and vehicle identification number inspection made by a state appointed safety inspection station. A Form VI-30-A, Vehicle Identification Certificate certifying the correct vehicle identification number will be completed by the inspection station. This form must be submitted to the County Tax Assessor-Collector along with your evidence of ownership, valid proof of liability insurance, application for registration and certificate of title.
How to Register your Car in Texas.
Texas Titles
Your application for certificate of title and vehicle registration must be filed with the County Tax Assessor-Collector’s office located in the county where you reside.
You are required to submit the following items with your application.
An out-of-state title or foreign ownership document
Vehicle Identification Certificate, Form VI-30A
Valid proof of financial responsibility in the form of: a. a liability insurance card b. an insurance policy c. an insurance binder, or d. certificate of self insurance
Your vehicle’s current odometer reading, if the vehicle is less than 10 years old
If your vehicle is from a foreign country, a bond release letter from the U.S. Department of Transportation(DOT) may be required, confirming that the vehicle conforms with federal safety standards, and 6. If your vehicle has not been previously registered by you in another state, sales or use tax verification is required.
Texas Car Registration and title forms are available at your local County Tax Assessor-Collector’s office.
To save yourself time and trouble, you may wish to telephone your county tax office beforehand. The following questions may be helpful.
Where is the local County Tax Assessor-Collector’s office located?
What are the normal office hours?
What is the exact cost to register and title my vehicle?
Auto Insurance
You cannot legally operate a motor vehicle in Texas without liability insurance coverage. You must present valid proof of liability insurance coverage to receive or renew your:
Motor vehicle registration
Driver’s license
Vehicle safety inspection
Acceptable evidence of such proof may be an original or photocopy of one of the following: a liability insurance card, an insurance policy, an insurance binder, or a certificate of self-insurance.
The minimum amounts of coverage prescribed by Texas law are: $30,000 bodily injury to or death of one person in any one accident, $60,000 bodily injury to or death of two or more persons in any one accident, subject to $30,000 limit for one person, up to $60,000 per accident because of injury in any one accident and up to $25,000 for property damage.
Vehicle Safety Inspection
Every car, truck, bus, motorcycle, moped, trailer, semitrailer, pole trailer, or travel trailer registered in Texas and operated on a public roadway must display a valid vehicle inspection certificate at all times. Trailer-type vehicles with a gross weight of 4,500 pounds or less are exempt.
Vehicle inspections are conducted at official state appointed vehicle inspection stations.
Defects disclosed during the inspection may be corrected by the vehicle owner or by a repair facility of the owner’s choice. When a vehicle passes the inspection, an inspection certificate displaying the month and year of expiration will be affixed to the windshield. The windshield certificate expires 12 months from the date of the inspection
Getting a Texas driver’s license
If you are a driver establishing residence in Texas, you are required to obtain a Texas Driver’s License within 30 days.
You may apply for a driver’s license at any Texas Department of Public Safety Driver’s License Office. By law, if you are required to take the driving test when applying, you will be required to present proof that your vehicle has been registered in Texas along with valid proof of liability insurance.
When making initial application, you must present a certified copy of your birth certificate or other qualified evidence which documents the date of your birth.
At the time you make application, you must pass an examination for vision, rules, signs, and driving skills. Your thumb prints are required at this time.
To prepare for the driver’s license examination, a driver’s handbook containing all of the necessary information is available at any Texas Department of Public Safety office.
Proof of Driver Education Completion and parental authorization is required for minors ages 15 through 17.
For further information about driver’s license fees and vehicle safety inspection, you may wish to contact your local TX Department of Public Safety office or headquarters in Austin at (512)424-2000.
Overview-Texas Car Registration
STEP 1: Obtain Texas Insurance. STEP 2: Get a vehicle safety inspection, which can be done in a garage rlocal service station. STEP 3: Take the vehicle inspection certificate, evidence of ownership, and proof of insurance to the county courthouse.
Unfortunately, auto fire damage occurs more often than you might think.
To find out how your auto coverage applies in the case of auto fire damage, review your auto insurance coverage summary—which you can usually access online. Most insurers include coverage for car fire damage with your comprehensive coverage, which pays for vehicle damage that’s caused by something other than a collision less your deductible.
If you do have a vehicle that has been damaged by fire, and you have comprehensive coverage, contact your insurer immediately to report your claim. Your insurer will assess the damage and will help you rent a car, if your policy includes rental reimbursement coverage. Make sure you know the amount of your deductible—what you pay out of pocket when you have a claim—and whether there are any additional costs. Your insurer can recommend a quality body shop for your repairs.
What to Do After Your Vehicle is Damaged by a Fire
If fire damages your vehicle, you should report the damage to your insurance company as soon as possible.
To get the process started have the following information available:
Contact information for any emergency agency that responded to the fire — If you are able to obtain a copy of the fire report, please have it available as well.
Information on injuries caused by the fire, or other damaged vehicles or property.
Information on recent repairs performed on the damaged vehicle.
A description of the damaged vehicle, including mileage, options, and upgrades.
A list of personal property damaged in the fire. Coverage for personal items varies from state to state, and your homeowners or renters insurance policy may provide additional coverage for personal items destroyed in the fire. If you do not have home or renters insurance, you can obtain a quote now.
Please include any finance or leasing company contact information and your account number, if applicable.
During the process of filing your claim, your claims examiner may require additional information regarding the damaged vehicle, such as:
Certificate of Title for the vehicle.
Service records and receipts.
Receipts for any upgrades or custom items installed in the damaged vehicle*.
If the damaged vehicle is financed or leased, make sure to report the fire to your finance or leasing company. To expedite your claim’s process, inform your finance or leasing company to discuss the case directly with your insurance company.
You may also be provided with a rental vehicle if you have rental coverage. Contact your claims examiner for more detailed information.
* Coverage for upgrades and custom items may be limited — your claims examiner can provide you with more information.
If you do not have comprehensive coverage but would like to know the cost for adding it to your insurance policy, by clicking this button you can start an instant quote with Progressive Insurance.
Austin Insurance Group | Local Texas Auto Insurance Agent | 512-339-2901 | Auto Fire Damage
Most people don’t know much about car insurance beyond the fact that you are required by law to have it. And buying car insurance isn’t exactly a thrill to shop for. But, when you get into a car accident (and that’s when, not if), even if it’s a little fender bender, you’ll be glad your car insurance company is there to help, that’s if you have the right coverage. A local agent can help you find the coverage that’s right for you and be there when you have an accident.
