Progressive Direct vs. Local Progressive Insurance Agent?

What is the difference between Progressive Direct and a Local Progressive insurance Agent?

Progressive Direct Insurance is purchased directly from Progressive, such as when you buy a policy online or call Progressive directly.

Purchasing insurance from a local Progressive Insurance agent either by phone, online or in person, means your policy will be issued through a local independent insurance agent who represents Progressive.Get an Insurance quote from #1 Local Insurance Agency

With Progressive Direct:

  • You will have no local agent representation
  • You are dealing directly with the company
  • Some times the premiums are lower, and some times they are not
  • For payments, claims, service and questions, you must call the 1-800 directly
  • You will never get the same customer service representative twice as they use call centers all over the world
  • And you may not even be talking to someone in your state, so you may not get the coverage that you need or have someone explain to you what the benefits are for all of the different coveragesProgressive TX Authorized Agent

Value of Independent Insurance Agents
Local Agents always find the coverage that’s best for you

Local Progressive insurance agents provide unique value because we don’t just sell Progressive. We work with a number of different companies to make sure you get the best price, coverage and service. And we give you all the discounts and benefits Progressive offers, while still shopping around for you at other companies.

Basically, all you have to do is tell us what’s important to you, and we will go out and find the best policy for you. As an independent insurance agent, we can also help you combine polices to increase your savings.

With a Local Progressive Insurance Agent:

  • You will have local agent representation
  • You can still deal with the company directly 24/7 but you have a local agent to call for advice
  • We can often save you money since we can compare your insurance rates with multiple companies
  • For payments, claims, service and questions you can call Progressive direct 24/7, but you also can call your personal agent for local advice
  • You will always deal with your agent’s office.
  • Your local agent can offer you custom service and a custom policy.  We provide the best coverage for the best price.
  • And as a platinum agent, we can provide discounts most other Progressive agents can’t offer.

Most people prefer to deal with an agent who can often find better rates and if something goes wrong you have a friend on your side to help you through the red tape.  We review your policy on a regular basis to make suggestions, bundle policies, apply eligible discounts and more.

Also, most people who buy a policy with Progressive direct may not even realize they do not have access to a local agent’s office and must deal with Progressive’s 1-800 for all of their needs.

That means when you buy from Progressive Direct you can not call a local agent, you can not make payments in a local office, you will not have local assistance and you must call a 1-800 number for help with your policy. And in some cases you will pay more for less service.

Contact Austin Insurance Group, a local Authorized Progressive Texas Agent today and you decide whether to buy from Progressive Direct or from a local Progressive Insurance agent.

As a local Progressive Insurance agent, we’d be happy to compare rates for you anytime.  Compare Progressive insurance quotes online.

If you have a Progressive Direct policy, but want a local Progressive agent, contact our office today and we can offer you the best advice for your personal insurance needs and how to make it happen.Progressive Auto Insurance - Authorized Agent

Austin Insurance GroupPlatinum Progressive Agent

Call today: (512) 339-2901

https://www.aigtexas.com/austin-insurance-group/aigroup-blog/

Cheap Auto Insurance

Cheap Auto Insurance is Not Always the Best Choice

Don’t buy Cheap auto Insurance without knowing what you are getting.   Price is a factor, and we will help you find the best plan for the lowest price.  You don’t want to find out that your policy is missing a coverage after a loss.

Cheap Auto Insurance - Isn't CheapYou may be able to purchase cheap auto insurance online directly with an insurance company, you may be able to purchase it with a local bank or a wholesale club, or with your mortgage company, but they may not always know about all of the coverages, discounts, replacement costs, or endorsements for this area.  They may not have your best interests in mind and where will they be at the time of a loss?

 BuyAuto Insurance from a Local Insurance Agent

Our expert local agents will help you protect your assets.  There’s alot to consider when purchasing Texas Auto Insurance.  Find out more about the policy coverages, discounts and endorsements that are available to you. Let us help you compare.  Our agents would be happy to review your current policy, or any quotes that you have.  We take the time to explain the coverages and options and that are available to you so that you can make an informed decision.  Your auto is a valuable asset especially if you are still making payments.  Don’t skimp when it comes to protecting it.

Texas Auto Insurance Policy

Frequently Asked Questions

Remember, when shopping for insurance, cheap auto insurance is not always the best insurance. Get a local agent today.

Get an Auto Insurance Quote Online…

austin-insurance-group-quote-mobile

then Contact our Local Agent – Austin Insurance Group!

Don't buy cheap home insurance or cheap auto insurance.

 

 

 

Contact Austin Insurance today for a review of your auto insurance to make sure you are getting the best plan.  Don’t be under-insured when it comes to a loss.

512.339.2901

 

New Car Replacement Insurance

Whats the catch behind Better Car and New Car Replacement insurance?

In order to attract more customers, Liberty Mutual offers new car replacement insurance. Ruin your vehicle in an accident, they say they will buy you an even better ride.

New Car Replacement InsuranceIt’s called “Better Car Replacement Insurance” which apparently improves on the standard coverage most car insurance companies already provide if your vehicle is a total loss.

But stop dreaming, you’re not getting a  brand new Mercedes for an old Hyundai.

“Better Car Replacement” works like this:

  1. You pay extra premium to have this coverage
  2. Instead of writing you a check for a similarly valued car, you get a check for one that’s a year newer and with at least 15,000 fewer miles. The replacement would have to be in the same class and basic model type as the totaled one.

For example: If you have a 2007 vehicle with 35,000 miles on it and are involved in a total-loss accident, Liberty Mutual will give you the money for a 2008 model with 20,000 miles on it.”

And there are conditions:

  1. Your car has to be declared a total loss
  2. It must be a collision or comprehensive claim
  3. You still must pay the deductible
  4. It’s not available for leased vehicles or motorcycles
  5. It’s not offered in all states.
  6. AND It’s not free.  The premium is based on your age, driving record, type of vehicle, your address and other factors. In fact, you could pay anywhere from 5% to 40% more for this coverage.

PLUS “New Car Replacement” is only available for vehicles that:

  • Are not previously owned.
  • Are less than one year old.
  • Have fewer than 15,000 miles
  • and  are not leased.

Liberty Mutual isn’t the only insurer providing “new car replacement.” Most carriers have it but with slight variations.

It always cost extra but come with other benefits, such as accident forgiveness.

We recommend you compare policy quotes to see just how much more you are paying for this coverage.  Just like anything else, nothing is free.

Call Austin Insurance Group today to compare rates for your auto insurance.  And get the best coverage and rates for your money.

512-339-2901

Auto Insurance Cedar Park

Auto Insurance Cedar Park Texas

Compare auto insurance Cedar Park with Texas agent | Local Platinum Progressive Agent
Compare Quotes Online 24/7

Find the auto insurance you need, at the price you want.

  • Start with an auto insurance quote online or by phone (512)250-1660

Start a quote with the details you know

  • We can usually look up your vehicle details
  • current coverage choices
  • and more—making it easy for you to quote and buy auto insurance.
  • Review coverage and payment options.
  • Buy over the phone, sign via electronic signature.
  • When you start your quote here, whether you buy it over the phone or in our office, Austin Insurance Group will be your local agent.
  • Instantly receive proof of insurance via email, by phone app or fax
  • We are a Texas Premier Progressive Platinum agent.
  • Texas Agent since 1994

  • With the information from your auto insurance quote
  • We can start a home(renters) insurance quote
  • You get both rates, plus added discounts.

Call your local auto insurance Cedar Park agent and start saving today!

Austin Insurance Group

Serving Austin, Cedar Park, Georgetown, Round Rock, Pflugerville, Houston, Dallas, Corpus Christi and all counties in between.

auto and home insurance bundle - Auto Insurance Cedar Park

We Proudly Represent Progressive Insurance. 

As an independent insurance agency serving Texas, we provide instant quotes from Progressive.  If insured with us, you will receive the claims experience and financial strength from a nationwide insurer like Progressive and the friendly customer service from your local agent. Whether it is your car, bike, or commercial auto insurance, Progressive has the solution for you.

Companies we represent:


Address:
Local Agency Sales Office
13402 Anderson Mill Rd #201, Cedar Park, TX 78613
2521 Rutland Dr #150 (corner of Burnet Rd & Rutland), Austin, TX 78758
We sell Progressive Insurance all over Texas: Cedar Park, Round Rock, Austin, Houston, San Antonio, Dallas, Corpus Christi, McAllen, Brownsville, and every county in the state.

Minimum Auto Insurance Requirement

Do the minimum Auto Insurance Requirements provide enough coverage?

This table represents only required minimum auto insurance requirements. But our agency suggest it to be in your best interest to purchase coverage above the minimums if and when you can afford to. With bodily injury liability, for instance, most insurance professionals recommend that your coverage limits be at least $100,000 per person and $300,000 per accident, especially if you are a homeowner.  And in Texas, when you increase you limits to 50/100/50, you almost double your coverage, but the cost is minimal.

State-by-state minimum auto insurance requirements

The following table provides up-to-date information on each state’s minimum coverage requirements. The first two figures refer to bodily injury liability limits, and the third figure refers to the property damage liability limit. For example, 25/50/25 means coverage up to $20=5,000 for each person injured in an accident, up to a maximum of $50,000 for the entire accident, and $25,000 worth of coverage for property damage. The state minimums are based on the most current information available. But you should always check your specific state requirements to verify these figures.  As of August 1, 2016:

State Type(s) of Coverage Required Minimum Liability Limits
AL Bodily Injury and Property Damage Liability 25/50/25
AK Bodily Injury and Property Damage Liability 50/100/25
AZ Bodily Injury and Property Damage Liability 15/30/10
AR Bodily Injury and Property Damage Liability 25/50/25
CA Bodily Injury and Property Damage Liability 15/30/5
CO Bodily Injury and Property Damage Liability 25/50/15
CT Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorist 20/40/10
DE Bodily Injury and Property Damage Liability, Personal Injury Protection 15/30/10
DC Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/10
FL Property Damage Liability, Personal Injury Protection 10/20/10
GA Bodily Injury and Property Damage Liability 25/50/25
HI Bodily Injury and Property Damage Liability, Personal Injury Protection 20/40/10
ID Bodily Injury and Property Damage Liability 25/50/15
IL Bodily Injury and Property Damage Liability, Uninsured Motorist 20/40/15
IN Bodily Injury and Property Damage Liability 25/50/10
IA Bodily Injury and Property Damage Liability 20/40/15
KS Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/10
KY Bodily Injury and Property Damage Liability, Personal Injury Protection 25/50/10
LA Bodily Injury and Property Damage Liability 15/30/25
ME Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorist 50/100/25
MD Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 20/40/15
MA Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 20/40/5
MI Bodily Injury and Property Damage Liability, Personal Injury Protection 20/40/10
MN Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured/Underinsured Motorist 30/60/10
MS Bodily Injury and Property Damage Liability 25/50/25
MO Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/10
MT Bodily Injury and Property Damage Liability 25/50/10
NE Bodily Injury and Property Damage Liability 25/50/25
NV Bodily Injury and Property Damage Liability 15/30/10
NH Financial Responsibility Only, Uninsured Motorist 25/50/25
NJ Bodily Injury and Property Damage Liability (Standard Limits Shown), Personal Injury Protection, Uninsured Motorist 15/30/5
NM Bodily Injury and Property Damage Liability 25/50/10
NY Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/10
NC Bodily Injury and Property Damage Liability 30/60/25
ND Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/25
OH Bodily Injury and Property Damage Liability 12.5/25/7.5
OK Bodily Injury and Property Damage Liability 25/50/25
OR Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/10
PA Bodily Injury and Property Damage Liability, Personal Injury Protection 15/30/5
RI Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25
SC Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25
SD Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25
TN Bodily Injury and Property Damage Liability 25/50/15
TX Bodily Injury and Property Damage Liability 30/60/25
UT Bodily Injury and Property Damage Liability, Personal Injury Protection 25/65/15
VT Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorist 25/50/10
VA Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/20
WA Bodily Injury and Property Damage Liability 25/50/10
WV Bodily Injury and Property Damage Liability, Uninsured Motorist 20/40/10
WI Financial Responsibility Only, Uninsured Motorist 50/100/15
WY Bodily Injury and Property Damage Liability 25/50/20

Quotes Auto Insurance

Quotes Auto Insurance

Discover The Progressive Difference. Free Quotes Auto Insurance.

With a Progressive auto insurance policy, you’ll get top-notch insurance, services and benefits that can help you.

Auto Insurance

Talk to our #1 authorized Progressive agent to get  a personalized quotes Auto insurance proposal today.

  • Select from a range of roadside services that can help keep you safe when you’re behind the wheel.
  • Access tools & resources that offer a wealth of information, apps and more.

Call today to learn more about our benefits. 512.339.2901

Quotes auto insurance

Enjoy Quality Car Insurance Coverage.

Progressive car insurance gives you quality protection at a great price. Every policy comes with the support of a knowledgeable and friendly Progressive agent. With personal attention and service, you’ll have the information you need to choose the car insurance coverage that makes the most sense for you.

Auto Insurance & Car Insurance Quotes—Austin Insurance Group

Customized car insurance coverage options, discounts galore and amazing features. Get a free online quote and speak to an Authorized Progressive agent today.

When You’re In The Car, We’ve Got You Covered.

Each state has specific laws that outline the types and amount of auto insurance you’re required to have. Your coverage requirements might be different depending on where you live and what your personal insurance needs are.

See auto insurance requirements in your state. Texas minimum requirements 30/60/25.

An agent can help you understand your state’s insurance requirements so you can make an educated decision about the deductibles and coverage levels you want. In addition to agent assistance, our resources & tools will provide you with 24/7 access to safety tips and detailed info to help you better understand insurance.

When you choose Austin insurance Group, you not only get quality insurance coverage, but you also get the experience and knowledge of an experienced agent. Our knowledgeable agents are here to help answer all your questions, assist you in navigating your options and provide you with helpful support.

Best of all, we are ready to support you when needed. We  help protect and care for our customers and their communities with a passion.

Quotes Auto Insurance

512.339.2901

Car Insurance for Young Drivers

Car Insurance for Young DriversGet the Best Car Insurance for Young Drivers.

Find out how to get the best auto insurance for your teen without breaking the bank and… if your young driver has tickets, accidents or claims, you need our help even more.  

Our local agents will compare rates with multiple top-rated carriers, including Progressive to find the best rates in Texas.

If you have a teen driver, you know how important it is to have good car insurance. And we know how expensive and stressful it can be having a teen driver in the household. Fortunately, you can give your teen protection on the road at an affordable price. Find out about our teen insurance policies and start your free quote today.

Progressive  offers three coverage options to bring you the best teen car insurance for young drivers:

  1. Collision coverage helps pay for damage to your teen’s vehicle if the driver hits (or is hit by) another vehicle, or the vehicle rolls over.
  2. Uninsured or underinsured motorist car insurance pays for covered repairs to your teen’s vehicle if it’s damaged in an accident by an underinsured, uninsured or unidentified driver.
  3. Rental car reimbursement covers the cost for a rental car or other transportation, such as bus or subway, if your young driver’s car cannot be driven due to an at-fault accident.

Other ways Progressive brings you the best car insurance for teens

  • Our Good Student discount makes us one of the best teen insurance choices. Studies show that students with higher grade point averages are typically better drivers and more responsible. If your full-time student teen driver earns a B average or better at school, your student may qualify for a discount.
  • Accident forgiveness is an optional feature that ensures your teen’s insurance rates will not go up after the first at-fault automobile accident. This can be a significant savings for you.
  • Roadside Assistance can help if your teen driver runs out of gas, has a flat tire or is experiencing car trouble. Our 24/7 service ensures that your young driver is never stranded on the side of the road.

Now that you know how to get the best car insurance for teens, start your free.


Car Insurance For Young Drivers

Texas SR22 Filing for Another State

What if I need a Texas SR22 filing for another state?

A Texas SR22 filing for another state shows proof of financial responsibility, filed in Texas for the other state that you came from.  If you currently carry an SR22 in one state but move to another state, you must fulfill the SR22 filing period for your former state, even though you no longer live there. Also, your insurance policy for your new state must have liability limits which meet the minimums required by law in your former (SR22) state.   You need to go to DMV and find out what those state requirements are.

Instant SR22 Insurance Quote

For instance, if you move to Texas and are trying to get a license, if there are any issues with your out-of-state license being released from the state you moved from, or you are required to continue to carry an SR22 in that state, you will be required to file an SR22 in that state before they release your license.

You usually need an SR22 if the police caught you driving without insurance, then you’ll be required to carry the SR22 for a specified amount of time (usually three years). Once you properly fulfill that time period, your SR-22 status expires. SR-22s also are associated with the following:   DUI or DWI or any serious moving violation At-fault accidents while driving without insurance, repeat traffic offenses or getting too many tickets in a short time period License suspension or revoked license. Expect a long relationship with your SR-22 similar to a probationary period after a criminal offense. You must carry continuous insurance during the specified period of time before SR-22 status is removed. If your policy lapses or is canceled, your auto insurance company is required to notify the state immediately and your license will be suspended again.

If your insurance is cancelled your insurance company will  cancel or terminate your SR-22 by filing a separate form with the state (an SR-26 in many states), generally 10 days before the SR-22’s expiration. SR-22s are state specific — what’s required in one state may not apply in another state.

For more information on state specific sr22 filings, contact our local agents office:

512-339-2901

State-by-state minimum coverage requirements

The following table provides up-to-date information on each state’s minimum coverage requirements as of August 1, 2016. The first two figures refer to bodily injury liability limits, and the third figure refers to the property damage liability limit. For example, 25/50/25 means coverage up to $20=5,000 for each person injured in an accident, up to a maximum of $50,000 for the entire accident, and $25,000 worth of coverage for property damage. The state minimums are based on the most current information available. But you should always check your specific state requirements to verify these figures.

State Type(s) of Coverage Required Minimum Liability Limits
AL Bodily Injury and Property Damage Liability 25/50/25
AK Bodily Injury and Property Damage Liability 50/100/25
AZ Bodily Injury and Property Damage Liability 15/30/10
AR Bodily Injury and Property Damage Liability 25/50/25
CA Bodily Injury and Property Damage Liability 15/30/5
CO Bodily Injury and Property Damage Liability 25/50/15
CT Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorist 20/40/10
DE Bodily Injury and Property Damage Liability, Personal Injury Protection 15/30/10
DC Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/10
FL Property Damage Liability, Personal Injury Protection 10/20/10
GA Bodily Injury and Property Damage Liability 25/50/25
HI Bodily Injury and Property Damage Liability, Personal Injury Protection 20/40/10
ID Bodily Injury and Property Damage Liability 25/50/15
IL Bodily Injury and Property Damage Liability, Uninsured Motorist 20/40/15
IN Bodily Injury and Property Damage Liability 25/50/10
IA Bodily Injury and Property Damage Liability 20/40/15
KS Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/10
KY Bodily Injury and Property Damage Liability, Personal Injury Protection 25/50/10
LA Bodily Injury and Property Damage Liability 15/30/25
ME Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorist 50/100/25
MD Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 20/40/15
MA Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 20/40/5
MI Bodily Injury and Property Damage Liability, Personal Injury Protection 20/40/10
MN Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured/Underinsured Motorist 30/60/10
MS Bodily Injury and Property Damage Liability 25/50/25
MO Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/10
MT Bodily Injury and Property Damage Liability 25/50/10
NE Bodily Injury and Property Damage Liability 25/50/25
NV Bodily Injury and Property Damage Liability 15/30/10
NH Financial Responsibility Only, Uninsured Motorist 25/50/25
NJ Bodily Injury and Property Damage Liability (Standard Limits Shown), Personal Injury Protection, Uninsured Motorist 15/30/5
NM Bodily Injury and Property Damage Liability 25/50/10
NY Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/10
NC Bodily Injury and Property Damage Liability 30/60/25
ND Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/25
OH Bodily Injury and Property Damage Liability 12.5/25/7.5
OK Bodily Injury and Property Damage Liability 25/50/25
OR Bodily Injury and Property Damage Liability, Personal Injury Protection, Uninsured Motorist 25/50/10
PA Bodily Injury and Property Damage Liability, Personal Injury Protection 15/30/5
RI Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25
SC Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25
SD Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/25
TN Bodily Injury and Property Damage Liability 25/50/15
TX Bodily Injury and Property Damage Liability 25/50/25
UT Bodily Injury and Property Damage Liability, Personal Injury Protection 25/65/15
VT Bodily Injury and Property Damage Liability, Uninsured/Underinsured Motorist 25/50/10
VA Bodily Injury and Property Damage Liability, Uninsured Motorist 25/50/20
WA Bodily Injury and Property Damage Liability 25/50/10
WV Bodily Injury and Property Damage Liability, Uninsured Motorist 20/40/10
WI Financial Responsibility Only, Uninsured Motorist 50/100/15
WY Bodily Injury and Property Damage Liability 25/50/20

What is a fr44 insurance?

FR44 insurance is currently used in Virginia and Florida.  It is similar to the SR22 financial responsibility certificate that you must file with the state after certain convictions.  Check your state liability requirements.  Austin Insurance Group can process the FR44 for you if you live in Texas and need the FR44 filing for another state.

Is the minimum coverage required enough coverage?

The above table represents only required minimums. However, it will be in your best interest to purchase coverage above the minimums if you can afford to, so that you’re adequately protected. With bodily injury liability, for instance, most insurance professionals recommend that your coverage limits be at least $100,000 per person and $300,000 per accident, especially if you are a homeowner.  And in Texas, when you increase you limits to 50/100/50, you almost double your coverage, but the cost is minimal.

What is SR22 Insurance?

Austin Progressive Agent

Start with an Austin Progressive Agent and get an Auto Insurance Quote. If you like the rate you can buy it today. Instant Quote in About 6 minutes.

Call our local Austin agent and start saving today!

Austin Insurance Group / Torabi Inc.

 512-339-2901

Austin Progressive Agent

Experts are only a phone call away.  We are in your neighborhood, and we understand  your insurance needs. Get you the best policy and price.  We’ll handle the rest offering all the guidance on all your needs

Local agent and #1 independent agency in Austin, Texas. Get a quote now.  Switching to  Progressive could save you hundreds of dollars on your premiums.

Austin Area Progressive Agency

Austin Progressive Agent - Progressive quote-buy-online

Compare Rates with Multiple Companies