Motor Truck Cargo Insurance

Motor Truck Cargo insurance (Cargo) provides insurance on the freight or commodity hauled by a For-hire trucker. It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load.

If your load is accidentally dumped on a roadway or waterway (Removal Expenses coverage), our coverage pays for the cost to remove debris or extract pollutants caused by the debris. We’ll also pay for costs related to preventing further loss to damaged cargo (Sue and Labor Coverage), legal expenses in the defense or settlement of Claims’ and even freight charges the customer loses because of not delivering a load (Earned Freight Coverage).

Who needs motor truck cargo insurance?

A growing number of risk managers require truckers to insure their cargo. You can meet that requirement with Progressive’s Motor Truck Cargo Insurance. It pays when you are responsible for damage to or loss of the cargo due to fire, collision or even hitting or running over the cargo that you transport on behalf of a client.

Limits, deductibles, and other details

When you select Motor Truck Cargo insurance, you have to select a limit for your coverage. This limit determines the maximum amount your insurance company will pay for damaged or destroyed cargo. You also need to choose a deductible. A deductible is the amount you agree to pay out of pocket when you have a claim. Choosing a higher deductible is an easy way to lower the price of your insurance, but be sure you choose a deductible that you can afford to pay out of pocket at any time.

See what you could save

Call us at 1-512-339-2901 to see how much you could save on Motor Truck Cargo insurance from Progressive.

Exceptions and restrictions

Motor Truck Cargo insurance is only available for for-hire trucking risks on policies with one or more of the following body types: dump truck, tractor, most trailers, box trucks, cement mixers, cargo vans, dually pick-ups, flatbeds and car haulers.

Motor Truck Cargo insurance is not available on garbage trucks, limos, hearses, buses, passenger vans or ice cream trucks. The following cargo types are also excluded from coverage (other exclusions may apply):

  • Art, jewelry, money, or paper
  • Contraband, pharmaceuticals, tobacco, alcohol
  • Live animals
  • Property while in custody of any other carrier
  • Property or goods owned by the insured
  • Property not under Bill of Lading
  • Storage greater than 72 hours
  • Shipping containers
  • Explosive or radioactive material

Motor truck cargo insurance state-specific details

Motor Truck Cargo insurance is not available in all states and situations. Contact us to learn more.

As an Austin Insurance Group client, you’ll receive expert consultation, exceptional customer service and unparalleled coverage for all of your insurance needs. Contact us today to request a quote!


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Progressive Deductible Savings Benefit

Progressive Deductible Savings Benefit

Did you know that our Progressive Deductible Savings Benefit can help you save on out-of-pocket claim costs on your auto insurance deductible savings account?

Progressive Deductible Savings Benefit Auto Insurance Quote

Who can enroll

To enroll in the Deductible Savings Bank, a customer must have both:

  • Collision and Comprehensive coverages on at least one vehicle, and
  • $495 Deductible on all vehicles

How it Works

When a customer stays accident- and violation-free, he or she will earn a $50 “deposit” in the Deductible Savings Bank. For each accident- and violation-free policy period, we’ll deposit another $50.

  • The savings can help offset the cost of future Comprehensive or Collision deductible costs.
  • The balance in the Deductible Savings Bank will be communicated at each policy renewal.

Payment for a Claim

If Progressive makes a payment for a claim under Comprehensive coverage or Collision coverage for any vehicle, then the applicable deductible will be reduced by the amount in the Deductible Savings Bank.

All additional claims that we pay under Comprehensive coverage and Collision coverage during the same policy period will be subject to the same reduced deductible.

At the next renewal, the balance in the Deductible Savings Bank will be reduced by the amount applied to all auto insurance deductible savings during the previous policy period.

How to Get Started

Call our office to find out how much it will cost to add it to your existing policy or with any other questions or concerns. (512)339-2900

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# 1 Local Platinum Progressive Agent – Austin Insurance Group

2521 Rutland Dr #150 (at the corner of Burnet Rd & Rutland), Austin, TX 78758

13402 Anderson Mill Rd, Cedar Park, TX 78613 (by appointment only)

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Best Texas Insurance Agent (austinsurance) in AustinTX and CedarParkTX. Compare auto and home insurance rates with multiple companies from one local agent. Follow Austin Insurance Group on instagram @austinsurance. ATX.

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Auto and Home Insurance Bundle

Auto and Home Insurance Bundle

Get An Auto and Home Insurance Bundle & Save | Platinum Progressive Local Agent

Combine your insurance for extra savings at Progressive. Start with an auto and home insurance  bundle and save over 7% on your auto policy. Add more and save more.

Two ways to quote. Tons of ways to save.

get a progressive quote - quote and buy online

 or Call 1-512-339-2901

Bundle Insurance & Save

Combine auto with your home, renters or condo insurance.

Insurance bundles that flex as your needs evolve

Combine insurance for your car and property to start, then add more policies as needed. You’ll get plenty of discounts for adding cars, motorcycle, boats or more. See how your home and auto bundle can flex for big life events. Or, start now with a home and auto insurance quote. FYI, you can bundle auto with your home, renters, condo or townhouse.

Just the basics

Get full protection for the things you keep in your apartment and for your car. Plus, when you’re looking for insurance, our  Progressive customers save with a local Progressive Platinum agent.  Save with Austin Insurance Group.  One of the select Progressive Platinum Texas agents.

Bundle Auto and Home Insurance
Auto and Home Insurance Bundle

Enough for two

Built-in discounts help you save on the insurance you need as a couple. Get discounts for having two cars on one policy, being married and owning a home—along with your bundled insurance savings.

Full throttle

When shopping for a new car, compare insurance rates before you buy.  Some cars will be more costly to insure than others.  And when you insure your home and auto, save more.

Auto and Home Insurance Bundles Austin
Bundle auto, home and umbrella insurance with Progressive As your assets grow, your insurance should grow with it. We help you make sure your assets are totally protected by carrying higher liability limits as well as umbrella coverage that will protect all of your assets under one policy.

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Progressive Home Advantage® policies are placed through local Progressive Platinum agent.

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

Get Car Insurance Facts

Get Car Insurance Facts

Purchasing auto insurance can be confusing. Knowing some car insurance facts can help you make the right choice.
Car Insurance Facts

Below are six car insurance facts to help you plan and possibly save you money:

1. Car Rental Insurance

Car Insurance Facts - Car Rental InsuranceWe’ve all experienced the insurance pitch at the rental car counter. The agents encourage you to purchase car rental insurance, referred to as a collision damage waiver (CDW). Rental car agents often receive incentives to sell it. The good news is that you usually don’t need to purchase it, assuming you have full coverage on your own car, which commonly includes comp and collision.

If you are driving a vehicle with liability only, have a “limited” policy or no insurance coverage at all, CDW will be required.  Many credit card companies offer rental car insurance protection as long as the entire rental car transaction is charged to that specific card. So, make sure to check with your credit card company or personal auto insurance company before denying CDW coverage

2. Lending Your Car to A Friend Could be Costly

Consequences of Lending a Car to A FriendIf you lend your car to a friend and they have an accident, it’s your responsibility.  Even if they have their own insurance, it usually only covers damage to the other vehicle, not yours.  So, you will have to file a claim with your insurance company, not your friend’s AND  you’re also responsible for your deductible. This type of  accident could possibly raise your rates, even if you were not in the car. So think twice  before handing over your keys.

3.  Your Credit Score

Credit Scores Affect InsuranceYour credit score is reviewed by your auto insurance company.  Statistically speaking, you’re more likely to file claims based on a shaky credit history.  Ff you are responsible with your credit and make payments on time,  you’re less likely to make regular claims.   So your credit score plays a major role in determining rates.  Usually credit score information may result in higher premiums, even if you have a perfect driving record and no accidents.

4. Will You Get Your Cars True Value?

True Car ValueIf you get into an accident and your car is “totaled,” it’s your insurance company’s responsibility to provide you with enough money to purchase an equivalent car.  Every car is different, with things like mileage, condition, and repairs play a  vital role. You should always keep a documented vehicle history, so you can present repair and maintenance receipts in the event of a dispute. Make sure the amount you and your insurer settle on includes sales tax for the purchase of your replacement automobile. This is sometimes left out by insurers, and replacing your car should not come with additional tax costs. If you have a classic car make sure you have classic car insurance that provides replacement value coverage, otherwise you’re putting your investment at risk.

If you get into an accident and your car is deemed repairable, make sure to ask for diminished value compensation. This will pay you for the loss of market value that your vehicle incurs due to the accident and repairs. Once your car has been in an accident the value goes down, even if completely repaired to like new condition. Most people don’t want to risk purchasing a car that’s been in a major accident, and this substantially hurts your re-sale value. It’s always a good idea to check with the car insurance company to see if they offer diminished value, prior to purchasing a policy.

5. Marital Status

If you are single, divorced, or even widowed, your marital status can affect your auto insurance premium.  Many auto insurance companies give discounts for being married because statistics show that unmarried individuals are more prone to accidents.

6. Where You Live

Your zipcode is one of the major considerations your auto insurer looks at when determining your rates.

Living in urban areas can greatly increase the rates you pay for auto insurance.  The chance of accident or auto theft are significantly lower in rural areas. Whereas, things like limited parking, traffic, and larger numbers of uninsured motorists are factors for individuals living in the inner city. Some areas may result in auto insurance rates that are more than double their rural counterparts.   It’s unfortunate, but expect to pay more if you move to the city.  And if you have a choice, compare insurance rates in different zip codes to see how much of a difference it makes.

Ask Austin Insurance Group: All Risk Insurance or Named Peril

All Risk Insurance vs. Named Peril Policies

What is the difference between all risk insurance policy and named peril policies?  Read more to find out the difference and why we recommend the all risk home insurance policy.

From Ask an Agent

“I highly appreciate your offer to assist clarifying home insurance for my house. Will you please check out the attached offer and tell me what is different than AIG one?” — W.S. (Austin, Texas) 3/9/16

* * *

Basically, insurance companies write two kinds of policies for homeowners:

  • all risk insurance
  • named peril policies

All Risk Insurance Policies

All risk insurance policies are also referred to as an open peril policy or comprehensive policies. (All risks are typically HOB and HO3 policy types) vs. (Named peril policies, HOA policy types).

An all-risk insurance or open peril policy covers everything that’s not “excluded.”  Every thing is covered except what is specifically excluded in the policy. The all-risk insurance policy usually costs more than the named peril policy because it offers more coverage and is more comprehensive. Under an all-risk policy, the burden is on the insurance company to prove that the peril causing the damage is not excluded.  If it’s not excluded, coverage applies. Since the limitations and exclusions are the key to determining what coverages are provided by an all-risk policy, it could be called a “named exclusions” coverage. The most common perils excluded in an all-risk policy include:

  • Earthquake or earth movement
  • War
  • Flood, seepage, mudslide, and sewer backup (and sometimes surface water that builds up after heavy rains, underwater springs, groundwater, burst water pipes, overflowing toilets, and wind or wave-driven water)
  • Boiler explosion
  • Governmental seizure or destruction of property
  • Off-premises utility service interruption
  • Building ordinance or law
  • Seepage or leakage of water over a period of time
  • Electrical damage to electrical devices
  • Wear and tear; rust, corrosion, fungus, decay, deterioration, hidden or latent defect smog; settling, cracking, shrinking, or expansion; nesting, infestation or release of secretions by insects, birds, rodents or animals
  • Damage to building interiors by rain, snow, sleet, ice, sand, or dust unless the roof or walls are first damaged – except damage by thawing of snow, ice or sleet
  • Mechanical breakdown
  • Theft of building materials and supplies not yet attached to buildings
  • Employee dishonesty
  • Pollution

Named Peril Policies

Named peril insurance covers only  what is specifically noted in the policy. For example, if it doesn’t say you’re covered for backup of sewers or vandalism damages, you are not covered. The named peril insurance policy only covers certain and specific perils, and this type of policy is usually less expensive  than an all risk home insurance policy.

A typical named peril policy typically would cover:

  • fire
  • hail
  • windstorm
  • aircraft
  • vandalism
  • smoke

Earthquake and Flood insurance are two other common type of named peril policies and are written as separate policies.  When your property insurance coverage is written on a named peril basis, the burden is on the insured.  You must prove that one of the named perils caused your loss

Which coverage is the better choice?  Lenders recommend an all risk home insurance policy.

If you’re paying a mortgage, you probably do not have a choice.   Most lenders require that you protect your investment with a comprehensive policy, all-risk policy.

For others, the type of insurance to purchase should be need-based depending on the type of property you have and your location.

The advantage of an all risk home insurance policy is that it covers you in the event of a loss you did not predict. Even though it will cost more, in a world where freak accidents happen, the broader your insurance coverage, the better off you’ll probably be.

Just be sure to read the fine print so that you’re clear about the stated exclusions.

Ask Austin Insurance Group to compare policy types for you. Or visit The Texas Department of Insurance to see for yourself.

All risk insurance vs Named Peril policies - Get an Online Home Insurance Policy Quote now.

Or get a free review today, call 512-339-2901!

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Texas Car Insurance FAQs

Frequently Asked ?s: FAQs About SR22s

Frequently Asked Questions? (FAQs about SR22s)

Get the FAQs about SR22s then get an instant quote online, or contact our local agent for details. The following answers apply to our clients who get insurance through our office with Progressive.

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  1. What is an SR22 filing? “Certificate filed with DMV.”
  2. How much will an SR22 cost? “Depends on your record.”
  3. How long does it take to get SR 22 insurance? “Instantly.”
  4. What if my license is suspended? “No problem.”
  5. Can I get same day coverage for a Progressive SR22? “Yes!”
  6. What if I need an SR22 filed in another state? “We can file it.”
  7. How can I avoid an SR22? “Keep your insurance current.”
  8. How long do you have to have an sr22?
    This answer varies from state to state. However, SR-22s are commonly required for 2-3 years. “Each situation is different.”
  9. Where do I get an SR22? “From your local insurance agent.”
  10. What is the penalty for failure to maintain an SR22? “Fines and license suspension.”
  11. What are my responsibilities during the filing term? “Do not let your insurance lapse.”
  12. What happens if my insurance and SR22 gets cancelled? “You may have to start all over.”
  13. What happens when I no longer need the SR22? “Simply cancel the filing, not your insurance.”
  14. If I don’t own a car, how can I get an SR22? “With a non-owners insurance policy.”
  15. Can an insurance card or insurance policy be accepted toward the requirement of filing the SR22? “NO!”

Contact our office today for more information on FAQs about SR22s.
Request a quote online or by phone and get the Facts today.

Austin – Cedar Park – Pflugerville
SR22 Insurance For All Texas Counties
(Texas and Out-of-State Filings)

Austin Insurance Group - FAQs about Sr22s

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What is SR22 Insurance?