What are the Best Car Insurance Rates in Austin Texas?

How much is car insurance coverage in Austin, TX? Austin’s relatively high accident rate, uninsured drivers, congested roadways and high rate of insurance claims make insurance rates in Austin higher than the national and state average. The average cost of car insurance in Austin is $1,272 per year for men and $1,333 for women. This is much higher than the Texas average of $905. So where can you find the best car insurance rates in Austin? Compare quotes now.

Exact premiums will vary depending on multiple factors including: you zip code, your driving record and the number of points on your driver’s license, age, gender, your car, policy limits, coverage (liability or comprehensive), and the total number of claims you filed in the past 5 years.

Austin Insurance Group helps consumers compare insurance rates from top rated insurance carriers. Comparing quotes can help you find the best car insurance in Austin and you may save up to 40% on your premiums.

What Are the most stolen cars in Texas?

There are many cars, trucks and other vehicles stolen on a regular basis. In cities like Austin and Houston, there are a greater number of cars, trucks and other vehicles stolen than in suburban and rural areas but the car thieves are just about everywhere. Utilizing general automobile security tips such as removing your keys from the ignition or avoiding parking in secluded areas is the foremost means to protect your car, SUV or truck. The following are listings of the cars and vehicles most stolen in Texas for various years. If your car is listed below, be sure to take excess safeguards when leaving your car unattended.

This is our list of the top 10 most stolen cars in Texas.

Ford Pickup (Full Size 2006)
Chevy Pickup (Full Size 2004)
Dodge Pickup (Full Size 2004)
Honda Accord (1997)
GMC Pickup (Full Size 2015)
Honda Civic (2000)
Chevy Tahoe (2004)
Toyota Camry (2014)
Nissan Altima (2012)
Chevy Impala (2007)

Provided by NCIB 2015

Top 5 Most Popular Cars in Texas

Texas is a big place. It’s also the second biggest state in the U.S., in both population (just behind California) and area (just behind Alaska). So having a vehicle that is up to the challenge of the state’s sheer size and variety is essential to living and working in Texas. That’s why we’ve come up with this list of the top five used cars for Texas..

Ford F150 and Dodge Ram 1500 (Tied for 1st)
Chevy Silverado 1500
Chevy Volt
Toyota Camry

Provided by InstaMotor

What Are the Top 5 Car Insurance Companies in Austin?

This is our list of the top 10 most popular car insurance companies in Austin.

State Farm Insurance
Progressive Insurance
Farmers Insurance
Allstate Insurance
Home State County Mutual

Provided by TDI

Other popular Austin, TX car insurance companies include: Travelers, Geico, Safeco, MetLife, Liberty Mutual, American Family, Kemper, 21st Century Insurance, Hartford, Texas Farm Bureau, Infinity, Amica Mutual, Mercury, Erie, and Allied Group.

What can impact car insurance rates in Austin?

Major factors that can impact insurance rates are:

High Accident Rates – Austin ranked 166th out of the 200 cities. Drivers in Austin are involved in crashes every 7.3 years, that’s 37.1 percent higher than the national average. The high frequency of car accidents is helping to raise the cost of car insurance in Austin.
Weather – Austin weather is humid subtropical with hot and humid summers and mild winters with cold nights. Austin is fairly dry, but it can receive a lot of rain in April and September, creating slick roads and long commutes. It’s not unusual for thunderstorms to produce hail, sometimes damaging. On a more positive note, it almost never freezes or snows here.
Road Conditions – Washington, DC non-profit transportation research group TRIP reports that Austin drivers waste as much as $706 a year on fuel, time, and car repairs due to the high number of potholes, ruts, and rough street conditions. According to Trip, 28% of the major roads here are in poor condition and in need of immediate repair and another 62% of local roads are rated mediocre.
Traffic Congestion – According to TomTom’s annual traffic index report, Austin is ranked as having the 21st worst traffic congestion in the United States. The average commuter spends an extra 30 minutes per hour and 115 hours a year stuck in traffic on peak hour commutes lasting 60 minutes.
Moving Violations – Like speeding tickets, accidents, failure to yield, or drunk driving can give you a bad driving record and make you a high risk driver.

SR-22 DWI Insurance

If you’ve been convicted of a DWI and need to obtain an SR-22 form, get a quote and compare rates from top insurance companies that specialize in Austin DWI insurance.

Legal Minimum Auto Insurance Requirements

Texas has a minimum liability coverage requirement known as the 30/60/25 rule. This means each policy must include at least:

Individual Bodily Injury Liability(BI): $30,000.
The maximum your insurance company will pay for an individual person injured in a car accident.
Total Bodily Injury Liability: $60,000.
The most your insurance carrier will pay in total for every person injured in a car accident.
Property Damage Liability(PD): $25,000.
The total amount your insurer will pay for property damage caused by a car accident.

10 Ways to Save With Car Insurance Discounts and how to find the best car insurance rates in Austin.

Looking to lower your rates by finding the best car insurance rates in Austin, TX? Car insurance discounts are a great way to lower your rates. These are some of the many discounts available depending on your insurance carrier. Find out which discounts you may qualify for by getting a free quote.

Early Shopping Discount apply if you have prior insurance and shop early.
Pay in full and receive significant savings.
Paperless Discount – when you receive your documents electronically.
Continuous Insurance Discount – applies when you have been insured more than 6 months.
Backdraft Discount – when you make monthly payments automatically by EFT.
Multi-car Discount – when you have more than 1 car on the policy.
Multi-policy Discount – when you have more than one policy with the same company.
Homeowner Discount – must show proof of homeownership.
Good Student Discount – apply if your child (under the age of 23) is in school full time with a B or better GPA.
Education Discount – based on your level of education.
Accident Free Discount – when you are claim free for 3-5 years.
Compare rates with a local agent, Austin Insurance Group and find the best car insurance rates in Austin.

Online Insurance quoting sites – What you should know.

Caveat Emptor – Buyer Beware: For a long time, the only way to compare insurance quotes from more than one major car insurance company was to make one phone call at a time. Then came the internet and it was easy to input your data, but you still had to go to one site at a time and enter your private information. Drivers and homeowners were stuck doing all the work to save money. But now that’s all changing, according to EverQuote, InsuranceQuotes, QuoteWizard, Online Quoting and other online insurance quoting companies. These sites promise to do all the insurance shopping for you for free.

Nothing is free. Do you really want more solicitation from the Internet? Do you want to have your information shared online with someone who may not even be a licensed insurance agent?

Have you read the fine print on these sites?

EXAMPLE: By Clicking “Find Discounts & Check Rates” I Provide My Signature, Expressly Authorizing Telemarketing Calls From This Website, Our Marketing And Re-Marketing Partners, And Up To Eight Insurance Companies Or Their Agents Or Partner Companies At The Phone Number, Including Wireless Numbers, And Address Provided, In Order To Deliver Insurance Quotes Or To Obtain Additional Information For Such Purpose, Via Live, Pre-Recorded Or Auto-Dialed Calls, Text Messages, Or Email For Up To 180 Days. I Understand That My Consent Is Not A Condition Of Purchasing Any Property, Goods Or Services, And May Be Revoked At Any Time. Please Read Our Privacy Policy.

It’s time for you to say goodbye to Internet insurance quoting sites like EverQuote, QuoteWizard, and InsuranceQuotes to work with a local agent, Austin Insurance Group. We can shop for you without sharing your private information because we are licensed agents for multiple insurance companies. When you get a quote from us, we will be your agent.

HERE’S WHAT THEY SAY:

They say that the information you need to help you save can be found in one place.
They say you should compare quotes with their online insurance quoting site.
They say you should not consider buying car insurance without comparing quotes first because you may be overpaying for your car insurance or home insurance.
They say their services are free.
They say that they are not an insurer, but a comparison shopping marketplace – and are providing customers what they want – lower quotes.
They say that car insurance agents make money from your premiums.
They say that the higher your premiums are, the more the insurance agent makes.
They say that the system makes it difficult to determine if you are getting a fair price.
They say that you are smart if you use their “free internet tools” to get an honest and fair quote.
They say that it’s really no wonder that with so many driver’s saving money, services like these are gaining momentum.
They say that they “try” to give consumers the lowest rates with tools you can trust.
They say just enter your zip code and some driver information to see quotes from top-rated car insurance companies and local agents.
They say you will put money in your pocket.

There is nothing wrong with this type of comparison shopping site like EverQuote. But before you provide information about yourself and your family, know who is collecting it. If you are okay with your information being sold to the highest bidder, then my job is done and you have been warned.

WHAT THEY DON”T TELL YOU:

They don’t tell you that all they want is your information.
They don’t tell you that these type of websites are all about leads, leads, leads. Personal insurance leads. Commercial insurance leads. Life Insurance leads.
They don’t tell you that they are collecting your information to sell it to an insurance company or insurance agent who buy and pay for leads.
They don’t tell you that they sell your information more than once.
They don’t tell you that most insurance agents who purchase their leads, do not prioritize Internet leads because they’re perceived to have low value. So after giving up your information, you may still not find what you need.
They don’t tell you that the response time may be slow with little to no-followup if the person who purchased your lead doesn’t think you are a valuable client.
They don’t tell you that the person who buys your information doesn’t care about the relationship or your coverage, but instead they focus on nothing but price.
They don’t tell you that shopping for insurance this way is cold and impersonal.
They don’t tell you that they will give you the lowest rates, they tell you they’ll try.
They don’t tell you that the insurance companies they are quoting, pay to be on their sites.
They don’t tell you that not all the insurance companies are on their sites.
They don’t tell you that insurance agents are trying to rip you off, but they are implying it.
They don’t tell you that the only way an insurance agent gets paid is by selling you insurance. That’s our job.
They don’t tell you that an insurance agent must be licensed in the State of Texas because selling insurance is regulated by the state.
They don’t tell you that insurance companies use local insurance agents to sell their policies.
They don’t tell you that insurance agents have no control over the prices because your price is based on multiple factors, like your zip code, your age, your driving record, type of car you drive, the type of insurance coverage you need and many other factors.
They don’t tell you what the coverages actually cover.
They don’t tell you their service will NOT protect you at the time of your loss.
They don’t tell you if you are a price shopper, “you get what you pay for.”
The bottom line: Caveat Emptor-Buyer Beware!

It’s time for you to say goodbye to Internet insurance online quoting sites who are not agents.

Whether you are searching for Personal or Business insurance, a local Independent Agent is free to shop multiple providers on your behalf. More freedom means more options and more savings for you.

Only a local, licensed agent or insurance company can sell you insurance.

Our motto is “Let us do the shopping for you, so you don’t have to.”

We will provide comparison shopping, but we are NOT selling your information to anyone. We are local insurance agents, licensed to do business in the state of Texas. We will compare your rates with the top-rated carriers that we are appointed with, like Progressive, Metlife, Mercury, Travelers, Kemper, Foremost/Farmers, Dairyland, Gainsco, and others. When you purchase an insurance policy from Austin Insurance Group, we will be the servicing agent for your policy. Austin Insurance Group has been a local Texas agent since 1994. Call our office today or get an online quote. Your information is private and we keep it that way.

HERE’S WHAT YOU SHOULD KNOW:

You are free to do what’s right for you.
Local Independent Agents are free to shop multiple providers on your behalf.
Our strength as independent insurance agents is building a trusted relationship with insurance buyers unique to our agency.
Your concerns are our concerns.

If you are looking for an insurance agent and the professional guidance we offer, call our office today, or get your online quote here and one of our agents will review your information and offer professional advice regarding your insurance needs.

Austin Insurance Group – Local Texas Agent since 1994 – 512.339.2901

Privacy is our policy. “We will never sell, give, or otherwise transfer your personal information to any person or entity other than the insurance companies we are appointed with and with our agents and representatives selected to provide you with quotes.”

Local Insurance Agent

Best Car Insurance Rates in Austin