We now provide coverage through Progressive and Mercury. RideShare drivers need to understand the risks and insurance limits in Texas and buy adequate coverage.
Most insurance companies will not insure you on a personal insurance policy when you are using your vehicle for commercial purposes, especially “for hire” when you are carrying other passengers for money. And even though your rideshare program, like Uber or Lyft covers you when you have passengers, your personal insurance carrier may not cover you at all, and when they discover you are part of a Rideshare program, they may drop you.
If your current carrier will not insure you, we can. Over the past few months, however, several major carriers have begun offering policies to rideshare drivers. We can now insure you with Progressive on one of their commercial policies. Call for a quote 1-512-339-2901.
Changing insurance may not be a simple matter, since many of us have multiple policies homes, other cars, etc. We’ll do our best to make it as easy of a process as possible. And can provide quotes for all of your insurance needs to make sure you find the best plan, best price and take advantage of all of the discounts available.
SR22 insurance fraud, can I keep Car insurance with my current agent?
We get that question all the time. Someone will call and ask for an SR22. But they want to keep their car insurance with their current company. Is that SR22 Insurance Fraud?
Here is what you need to know:
An SR22 is a “certificate of financial responsibility” that is filed by your insurance company confirming that you have the minimum liability limits in your state.
In order to get an SR22, you must purchase minimum liability from the insurance company.
It may not be illegal to take out two insurance policies on the same car but which policy will pay in the event of a claim? Making two claims with two different insurance companies for the same accident may be considered insurance fraud. Is it worth the risk?
If you own a vehicle, you can not purchase “non-owners” insurance. If your attorney or agent are suggesting that, find another agent.
Having full coverage with one company and then getting an SR22 filing with another company, could put you and your vehicle at risk. One policy may cancel out the other. And if you have full coverage, that’s not the policy you want canceled if your car has been involved in an accident.
Insurance companies generally have policies discouraging the practice of double insuring a vehicle
It’s best to find an insurance policy that will affordably insure you and your vehicle with the SR22 filing.
In the insurance world, double-dipping is called unjust enrichment. This occurs when you get into a car accident and file claims with both of your insurance companies in an attempt to give yourself a financial windfall. Whether you mean to or not. If you are involved in an accident, which proof of Insurance are you going to provide. The one that DPS has on file showing your SR22, or the other one that shows you have full-coverage.
If both of your car insurance claims are approved, you or the claimants might get twice the money for the accident than you would normally receive.
Once you have the checks, and you decide to repair your vehicle with the first settlement and keep the second for your own financial gain. This is absolutely illegal and constitutes insurance fraud. You may even be charged with a felony.
Don’t risk it. If you are still not sure what an SR22 is, please call our office and one of our agent ‘s will review the details with you.
Austin Texas SR22 Insurance from Local Insurance Specialist
If you’ve had your driver’s license suspended for a DWI, accident, or any other reason in Texas, chances are you’re uncertain about what to do next. If you need Austin Texas Sr22 Insurance, or SR22 filing in an state in the US, we can help.
At a time like this you don’t just need an SR-22 policy – you need a trusted agent who will help you get your life back on the road again.Search SR22 information on our site to learn more about how we can restore your peace of mind.
Then call our office for a free quote and to purchase a policy.
Drivers who are required to obtain an SR22 certificate must meet a court order to do so. The reasons a driver in Texas is ordered to get SR22 include:
Multiple speeding tickets.
Multiple moving violations that label the driver as a hazard to others on the roadways
Those who require an occupations license for one of the above offenses
In these situations, a convicted driver has been convicted of the violation and has had his or her driving privileges suspended, revoked or cancelled. If SR22 insurance is court-ordered, it must begin on the date of the conviction. SR22 coverage must be maintained for two years, or more if the court so requires.
How to Reinstate Driving Privileges with SR22
SR22 coverage gives drivers the right to drive again. By verifying you can be responsible to repair bills or pay medical bills of an accident you cause, the DPS will reinstate your driving privileges.
Follow the steps below to get your drivers license reinstated with insurance and an SR22 filing:
Purchase auto insurance with an SR22 filing
Bring your valid TX driver’s license to your local DPS office when the filing as been processed.
Pay the reinstatement fee.
The reinstatement fee is different for every driver, and is determined by the violation committed.
Lapses in SR22 Insurance Payments
Your auto insurance provider with your SR22 coverage will notify the Department of Public Safety when you driver have purchased an SR22. The monthly payments must be punctual. If at any point in time you do not pay your SR22 insurance promptly, your SR-22 insurance provider will notify the DPS immediately. Driving privileges will once again be suspended, and the term of your SR22 insurance will restart.
That means if you have been court-ordered to maintain SR22 insurance for 24 months, and you make a late payment in the eighteenth month, your SR22 term will start over the following month. You will then have to pay the SR22 insurance costs for another full two years.
If you already have auto insurance, check first with your provider. Most major vehicle insurance companies offer SR22 insurance. In the event you need to look for SR22 insurance quotes elsewhere, contact Austin Insurance Group for a free quote.
If you need to get austin tx sr22 insurance and you do not have a car, ask about a non owner’s policy. This is the cheapest option for individuals mandated to have and SR-22 but do not own a car.
Moving? Find a Local Texas Metlife Insurance Office
Whether you just moved to Texas, or moved across town, we are here to help. We can provide insurance coverage for your car, home, life, or business. With Texas MetLife Insurance Auto & Home we offer superior insurance products filled with features that can eliminate uncertainty and create lasting peace of mind. Metlife is one of the most reliable and financially strong home and auto insurance companies in the U.S.
States Licensed In: TX, CO
If you are moving to Texas and would like to be contacted by a Texas MetLife Representative, please 512-339-2600. Contact our office to customize an auto and homeowners insurance policy for you.
Metlife car insurance policies provide end-to-end coverage.
If you ever have an automobile insurance claim, we make it easy for you to report, anytime around the clock, 365 days a year.
We offer a wide range of budget-friendly auto insurance discounts.
Your home protects you, your family, and your most valuable possessions.
The last thing you want to worry about is what it would take to repair or replace your home if something happened to it.
We can help remove that worry with homeowners insurance from MetLife Auto & Home.
Life insurance can help protect your family’s way of life after your death. The financial strength it provides can help your loved ones:
Stay in their home
Pay for college
Reach other life goals
We can help simplify the process of purchasing life insurance by providing you with the guidance and information you need to obtain the right type and amount of coverage for your specific situation.
Multi-policy insurance packages from MetLife Auto & Home, provide the great coverage you need along with the convenience of bundling all your property and casualty insurance policies together, simplify your insurance coverage—and your life.
Our Combo℠ and GrandProtect® policy packages offer the Power of One
One deductible for any one loss
One annual effective date
All in One convenient package
Let’s schedule some time to review your individual needs.
When you rent, it’s the personal touches you add that turn your place into a home.
Of course, those personal touches can sometimes be very costly to replace or fix if something were to happen to them.
Unlike many insurance companies, we offer coverage that will pay the full cost to repair or replace your personal belongings after a covered loss, without deduction for depreciation.
An accident can happen in a second, but the financial consequences can be lifelong.
If you are found liable for injuries or death resulting from an accident at your home or involving one of your vehicles, the impact to your family’s way of life could be devastating.
Referred to by other companies as an umbrella policy, a Personal Excess Liability Policy (PELP) can help bridge the gap between the basic liability coverage in:
You don’t have to be located near water to be affected by a flood.
A flash flood caused by a large volume of rain in a short period of time can strike anywhere without warning.
And just a few inches of floodwater could cause thousands of dollars in damage.
Most homeowners insurance policies do not cover flood damage.
Metlife Flood insurance is part of the National Flood Insurance Program (NFIP) administered by the Federal Emergency Management Agency (FEMA).
Before you head out onto the water with your powerboat, sailboat, jets or other watercraft, be sure you have the coverage you need to preserve your way of life if the unexpected happens.
You’ll find our boat insurance rates are affordable, and we offer discounts like our safety, diesel engine, and multi-policy discounts that could create significant savings for you.
The relationship between a motorcycle owner and his or her bike is a special one.
We understand how important your bike is to you, so we want to help you protect it with motorcycle insurance that lets you ride with confidence knowing you’re protected by coverage with many valuable features.
Maybe you like spending your weekends and holidays on a motorcycle, dirt bike or scooter.
Recreational vehicles like these can be a lot of fun, but they come with some risks, too, like accidents, damages or theft. If you own an RV, please contact me for a no-obligation recreational vehicle insurance quote.
Whether you’re a cat owner, dog owner, or “pet parent,” you want the best pet health care possible.
Protecting your dog’s health or cat’s health can be difficult with high animal health care costs.
Pet insurance removes the financial burden of expensive diagnosis and treatment of your dog’s or cat’s illnesses and injuries off of your shoulders.
Small Business Insurance
As a small business owner, you’ve got a lot on your mind.
Everything from sales and growth to the welfare of your employees.
Insurance protection should not be on your list of concerns.
We can help remove that worry with MetLife Auto & Home Link℠ business insurance.
Link is dependable and hassle-free insurance that provides small businesses with big business protection.
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.
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..
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.
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.
An SR22 is a form called the Certificate of Financial Responsibility. This certificate is required by the state and can only be provided by your auto insurance company. It verifies you have the required state limits for auto liability insurance coverage. If you own a vehicle, and you have insurance, you can ask your current insurance company if they will file the SR22 for you. If you do not have insurance, or you company does not provide the filing, you will need to get insurance. If you do not own a vehicle, or have regular access to a vehicle, you can get a “non-owners” insurance policy.
NOTE: If your attorney tells you to bypass your insurance company and get an SR22 with another carrier, he’s giving you misleading information. It is NOT a good idea, in Texas anyway, to be insured with two companies at the same time on the same vehicle, or with a non-owners policy if you own a vehicle.
WHY? There are state laws and carrier regulations that will not allow this, because of the liability implications. So, you may get advice to do it, but just be aware of the implications in the event you have an accident, and ask yourself, “which insurance company will pay for my claim and which one will deny it, when they find out I am insured with two companies.”
Do I need an SR22?
Not everyone needs an SR22. It is usually court mandated by the state for certain driving-related violations including the following:
Accidents caused by uninsured drivers
Regulations vary from state to state. If you need an SR22, the courts or your state Motor Vehicle Department (DMV) will notify you.
How do I get a SR22?
An SR22 is not something you can purchase separately. The SR22 filing comes with your auto insurance. So it all starts with getting auto insurance.
Get a quote online – Complete our online questionnaire and our local agents will shop for the best possible rates for you.
By phone – If you prefer to speak to one of our insurance counselors to get a free SR22 quote and buy a policy, please call 512-339-2901.
Current Customers – If you are currently insured with our agency and need and SR22 please contact our Customer Service Department to see if this filing can be added to your existing policy. One of our insurance counselors will review the coverages on your policy and begin the process to file the certificate with the proper state authorities on your behalf.
If you are not currently insured, you’ll need to start by getting a free online auto rate quote or call 512-339-2901.
Make sure to indicate that you need the SR22 filing.
After you complete the application process and make your initial payments, we will begin the process of filing the certificate on your behalf.
You will be contacted if we need any additional information in order to complete the request.
How much does it cost to get sr22 insurance?
Auto insurance companies typically charge a filing fee. An average fee is $25 for filing an SR-22 form. However, an insurance company can not file the Sr22 of you unless you purchase a car insurance policy. Your car insurance rate will be determined based on all the factors that normally go into rating a policy and may include a surcharge for the filing.
With most insurance companies, the filing fee is usually $25 but may be higher or lower.
The filing fee is a one-time charge that you will need to pay when we file the SR22. The filing fee may be due at each renewal. The only time you will have to pay more is if you allow your policy to lapse.
A filing fee is charged for each individual SR-22 we file. For example, if your spouse is on your policy and both of you need an SR-22 then the filing fee will be charged for each driver.
Depending on the insurance company, there may also be a surcharge for the SR22 filing.
So make sure to find out from the DMV how long they require you to carry the filing, so that when you no longer need it, we can remove it from your insurance policy and stop the extra charges.
How long do you have to carry an SR22?
This answer varies from state to state and for each individual driver. However, SR-22s are commonly required for a minimum of 2-3 years depending on why you have to file one in the first place. It may also only be a one time filing to release your license from another state. If you commit another violation or are involved in another instance that may require an SR-22 filing within the initial mandated time period, you may be required to file your SR-22 for longer.
How long will the SR22 be active?
As long as your insurance policy remains active, your SR22 should remain active. If your insurance policy is canceled while you’re still required to carry an SR22 the insurance company is required to notify the proper state authorities. Failure to maintain continuous coverage could cause you to lose your driving privileges.
*What is sr22? Depending on your state of residence, the Certificate of Financial Responsibility form is referred to as either an SR-22 or an FR-44.
Basically it’s proof of your financial responsibility. You will need to have your auto insurance company file an SR22 after your conviction. The SR-22 filing is usually required for about 3 years. But every state has it’s own rules and laws concerning SR22 insurance Austin is no different.
If you live in Austin, you would need to follow the Texas law regarding SR22. You need to obtain proof of insurance in Texas by having your insurance company file a document with the Texas DPA, Texas Department of Public Safety. It is mandatory in Texas for those convicted of DWIs.
The SR22 filing shows proof to the TX DPS that you have the right amount of coverage. Coverage is determined by the State. In Texas you must show proof of 30/60/25 liability limits. $30,000 per person/$60,000 per accident for bodily injury and $25,000 for property damage. If your SR-22 coverage is cancelled early or there are lapse or gaps in your cover then your insurance company must inform the DPS immediately. This will result in the suspension of your drivers license.
How long must you carry and SR22 Insurance Austin filing for?
The average time is between 2 and 3 years since the day your drivers license was re-instated. You can contact the local DPS located in Austin. They will also send you a mail with the requirements.
How do you get an SR22?
Best way is to contact Austin Insurance Group a local insurance broker who specializes in SR22 insurance policies. We can show you the best available options and policies that suits your needs. We provide SR22 filings in all 50 states.
There are two types of policies available.
One of them is the non-owners policy. This is for people who do not own a car. Even, if you plan on driving someone’s car you would need to carry your SR-22 policy with you at all times.
The other is an owners policy. This is for people who own a car.
If you need to move out of State, then you would still need to have a SR-22 policy in your new State. Find out the local laws if you decide to move.
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.
You 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.