About Insurance

All About Insurance. Insurance coverage, types, claims and more from local agent, Austin Insurance Group.

Easy Online Auto Insurance Quote

Easy Online Auto Insurance Quote

We can provide you with a Progressive easy online auto insurance quote.

Fast and accurate. If you have Internet access, you can get a quote — it’s simple! Just follow these three steps:

  1. Get easy online auto insurance quotes.
  2. Start your Progressive quote.
  3. See your rate.

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.

Easy online auto insurance quote

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

Independent Insurance Agents

Independent Insurance Agent

Benefits of Working With Us:

  • 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.

Independent Insurance Agent

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

Austin Car Insurance

Austin Car Insurance

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.

Quote & buy Austin TX car insurance today!

Resources: National Association of Insurance Commissioners


Auto Fire Damage. Does my auto insurance policy cover this?

Auto Fire Damage

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

Cutting Texas Car Insurance Costs

Cutting Texas Car Insurance Costs

Cutting Texas Car Insurance RatesThe following information outlines Texas’ rating system.  We offer tips on cutting Texas car insurance costs and we describe how your driving record affects your premium.

What are County Mutual Companies?

Most county mutuals specialize in high-risk drivers and generally charge more than other companies. Check your auto insurance policy’s Declarations page for the words county mutual.  If you and your covered family members have good driving records, you probably don’t belong in a county mutual and should shop for insurance coverage with a standard or preferred company that offers lower rates.

What are standard and preferred companies?

A preferred company usually offers the lowest rates.

A standard company’s rates are somewhat higher than a preferred company’s.

A high-risk company sells at high rates to drivers with poor driving records or other problems.  In Texas,  high-risk companies are likely to be a county mutual.

Many insurers actually are groups of companies.  An insurance group might consist of a preferred company, a standard company and a county mutual.

What factors affect my premium?

When a company applies their rates to your particular situation as a driver, the resulting total is your premium.  Several factors determine the premium you are quoted or ultimately charged:

  1. Your age and, for younger drivers, your marital status. Unmarried male drivers under 21 pay the highest rates.  Also, single men between 21 and 25 and unmarried women under 21, will pay higher rates.  On the other hand, drivers over 50 may get discounts from some companies.
  2. The county and zip code where you keep your auto.  Texas is divided into 52 rating territories.  Urban counties usually have more accidents and auto thefts, therefore they usually have higher rates than rural areas.
  3. Your auto.  Collision and comprehensive rates are highest for luxury cars, high-performance cars and sports cars.  Rates also reflect the fact that some cars damage more easily or cost more to repair than others.  On older, paid-for, lower-value cars, you should consider dropping collision insurance.  An insurer will not pay for repairs that cost more than the car’s value.  When repair costs exceed the car’s market value, the insurer will total the car and send you a check for its market value.
  4. How you use your auto.  Rates are higher for autos driven to  work or used in business than for cars used only for errands and pleasure trips.
  5. Your deductibles, if you have collision and comprehensive,  are your out-of-pocket share of the cost of a claim.  You can reduce your premium by raising your deductibles.
  6. Surcharges. Penalties are added for accidents and certain traffic violations.
  7. Discounts.  Some are required by the state, others are optional.  Ask your agent.
  8. Credit Scores.  Some companies also use credit scores.
  9. Other Factors.  These are among the top factors used to determine rates, but other factors may be considered as well.

How can I check out a company or agent?

A low rate is no bargain if you buy from a fraudulent company or agent.  To find information on auto insurance companies in Texas, call the Texas Department of Insurance (TDI) at:
1-800-578-4677 in Austin, (512)463-6169.

The Texas Department of Insurance can tell you whether an agent or company is authorized to sell auto insurance in Texas.  They can also tell you a company’s complaint record and its letter grade from a  national financial rating service.

How does my driving record affect my premium?

  1. A good driving record can save you money. Preferred companies, which usually charge the lowest rates,  accept only applicants with good driving records.
  2. A good driving record can get you a discount from some companies when you renew your policy.  Ask your agent.
  3. Tickets and accidents can mean higher premiums if companies classify you as “high-risk.” You could end up in a county mutual or the Texas Automobile Insurance Plan Association (TAIPA), also known as the assigned risk plan.  TAIPA provides basic liability coverages for drivers rejected by at least two insurance companies. Motorists in the TAIPA pay higher surcharges and higher rates than other drivers, but sometimes less than drivers insured by county mutuals.
  4. Accidents or major driving offenses can add surcharges to your premium. Surcharges are mandatory and stay on your premium for three years.

Austin Insurance Group | Local Texas Auto Insurance Agent | 512-339-2901 | Cutting Texas Car Insurance Costs