How to find the Cheapest Auto Insurance in Austin, TX
In recent years, Texas' major cities have seen explosive population growth, and Austin is no exception. Austin has a population of 950,807. One thing Austin is famous for (besides live music) is its traffic. Travis County drivers rack up more than 20 million vehicle miles per day. There are accident risks around every corner, and that's why every Austin driver needs auto insurance. Let the expert agents at Cheapest Auto Insurance help you get a foolproof policy right now. A good way to find affordable auto insurance in Austin is to have a safe driving record for three years and a good previous insurance history. We have found these are two important factors that car insurance companies look at when setting their rates. Many things are out of the customer’s hands when it comes to insurance prices but these are two things as a consumer that you can control.
Why You Need Auto Insurance
There are more than 800,000 registered vehicles in Austin. Still, an estimated 11% do not have corresponding insurance. If you have a wreck, car insurance can be there to help you pay for your vehicle repairs, medical bills and the harm you might cause others. The city of Austin registered more than 15,000 vehicle crashes and 67 fatalities in 2018. Wrecks also caused economic losses of more than $38 billion statewide.
Affordable auto insurance for good drivers in Austin
If you are a safe driver looking for affordable car insurance in Austin here are a few auto insurance companies that can help you find the cheap insurance you are looking for:
- Progressive
- USAA
- Save Money Car Insurance
- Farmers
Austin is the fourth most populated city in Texas-right behind Houston, Dallas, and San Antonio. Austin is the fastest growing city in all of Texas. It is becoming the tech capital of the southwest. Generally, where there is higher population, there is a higher frequency of accidents and also uninsured drivers. These factors have a huge impact on pricing for Austin auto insurance.
Below are a few ways you can combat the higher car insurance rates in Austin:
- Safe Driver
- EFT
- Paperless Billing
- Multi car
- Prior Insurance
- Renewal discounts
Finding affordable car insurance in Austin is important but just as important is finding an auto insurance company that has excellent customer service and a responsive claims department. Customers who have no tickets or accidents in the last three years are among the most rewarded with discounts when it comes to getting cheap auto insurance. To receive a cheap insurance quote in Owasso click this link and save money today!
How much does car insurance cost in Austin?
Car insurance rates in Austin vary based on several factors and is based up on the coverages that you request. The average liability insurance rate for an adult in Austin with no previous insurance coverage is about $73 monthly. Here are a few factors insurance companies look at when setting rates:
- Age
- Driving record
- Insurance history
- Credit score
Not all auto insurance companies use credit as a primary rating factor. Most nonstandard auto insurance companies do not use credit as a rating factor. A nonstandard auto insurance company specializes in providing insurance for customers with a bad driving record and no previous insurance history. Here are a few nonstandard auto insurance companies in Austin:
- Texas Ranger
- E-Z Insurance
- Save Money Car Insurance
- Falcon
Most of these nonstandard insurance companies offer state minimum limits of liability which is 30/60/25. If you are needing higher limits of liability for instance 50/100/50 it may be in your best interest to request a quote from a Preferred Insurance broker. Here are examples of a few Preferred Insurance companies for you in Austin:
- Geico
- State Farm
- Progressive
How to lower your auto insurance
Taking advantage of all the discounts that are available to you is one of the best ways to lower your insurance premiums. It helps to set your billing on EFT and on Paperless billing, this can lower your monthly rate up to 10%. Some auto insurance companies offer a 7-10% discount for taking a defensive driving course. Austin auto insurance can add up quickly, so try to take advantage every chance you get to save money. Also, be sure to shop around at your renewal to make sure your current insurance carrier is still the best fit for you and your family. Try to keep an even number of cars and drivers on your policy. Auto insurance companies like this because it appears as that you have disclosed all the people driving your vehicles. Undisclosed drivers cost car insurance companies millions of dollars each year by having accidents. Insurance companies want to be able to underwrite all drivers driving your vehicle to provide you with the proper rate.
Non owner's insurance in Austin
Non owner's insurance is a type of insurance policy for an individual who needs auto insurance but does not own a vehicle at the present time. Non owner's insurance is cheaper than standard liability insurance by about 30%. Not all car insurance carriers in Austin offer non owners insurance policies. But here at Cheapest Auto Insurance we can help you find cheap non owners' insurance in Austin, here are a few auto insurance brokers we found that offer this coverage:
- Dairyland
- Safeauto
- Cheapest Auto Insurance
If you have a suspended driver’s license and you don’t own a vehicle yet but need an SR22 you can purchase a non-owners SR22 policy from several insurance companies in Austin, here are a few that we found who offer this regardless if you have a license or not:
- Save Money Car Insurance
- Progressive
- Venture
Cheapest Auto Insurance can help you get insurance whether you own a vehicle or not. Even if you don’t have a Texas driver’s license, we can help you get affordable auto insurance in Austin. For the cheapest auto insurance quote in Austin click here and start saving some money today!
How to find full coverage insurance in Austin
Full coverage insurance rates in Austin are on the higher end compared to the rest of Texas. Full coverage auto insurance usually costs about twice as much as liability only insurance. Full coverage insurance is mandatory to have if your automobile has a lien on it. Most of the auto dealerships in Austin require you to carry full coverage insurance before you leave the car lot unless you do not finance the vehicle. Many lienholders will require a $500 deductible before you can leave the car lot. The higher the deductible is the lower your monthly insurance premiums are and vice versa with a lower deductible. Here are some auto insurance companies that provide affordable full coverage insurance in Austin:
- Save Money Car Insurance
- USAA
- State Farm
- Geico
It is important to know the deductible you need prior to shopping for full coverage insurance. Here are your options of deductibles to choose from:
The deducible is the part of the policy that the customer pays in case of an at fault accident for the damage done to their vehicle. The lower the deductible the higher your monthly prices. Some auto insurance companies in Austin offer a “vanishing deductible” which is beneficial for the customer because the longer you are with that company, the lower your deductible will be in case of an accident with no effect on your monthly premiums, so this results in less money out of your pocket. This is a very cool feature that has become more and more popular over the past several years. To shop car insurance quotes for full coverage insurance in Austin you can click here and be on your way to cheaper auto insurance today!
Cheap auto insurance quotes in Austin, TX
There are several ways to find auto insurance quotes in Austin. When searching for insurance you will see a large amount of advertisements. So here are a few ways you can help find cheap car insurance in a fast and efficient way.
- Find an auto insurance broker that shops multiple insurance companies on your behalf.
- Find an online quote comparison site that can shop online a large amount of insurance companies.
- Find an insurance company that fits your coverage needs and your current situation.
In many cases an auto insurance broker can provide a lower price to a customer because they have access to numerous different auto insurance companies. This gives them a lot of niche programs that you may not be able to find at a captive insurance company.
Here are a few auto insurance brokers in Austin that we found for you:
- The Texas Insurance Broker
- Premiere Insurance Coverage Group
- Remco
As far as online auto insurance quote comparison websites there are several choices for you to choose from. One thing to watch for is some of these sites can sell information to auto insurance brokers which could result in receiving a large number of calls attempting to give you auto insurance quotes. So, if you are using one of these websites to search for car insurance rates be sure you are serious about it because no one ever wants a lot of unwanted phone calls. Here are some examples of an online quote comparison sites:
- The Zebra
- Everquote
- Smartfinancial
How to find cheap car insurance in Austin with a bad driving record?
Finding affordable car insurance with a bad driving record can be a tough thing to do. We have a few tips to help you achieve this. Try to find an insurance company that is best for your current situation and phase of life you are in. For example, if you do have tickets and accidents you may want to contact a nonstandard car insurance company. This is an insurance broker that works with many insurance companies to find the best rate possible for you. They usually have access to insurance companies that are more forgiving of tickets and claims. Here are a few auto insurance carriers that provide cheap auto insurance for drivers in Austin:
- Falcon
- Save Money Car Insurance
- Texas Ranger
While receiving car insurance quotes be sure to tell the company about all of the tickets and accidents you have in the last three years. Many auto insurance carriers do not run your driving record on the quote itself, most companies wait until you are ready to buy the policy then run your driving record after the fact. This is why it is important to disclose your driving record upfront so the insurance quote will be accurate so you don’t have unexpected higher bills in the future.
One month auto insurance can be a good policy for someone who has a bad driving record because it offers a more flexible payment plan and not a long-term commitment, this also can be called a “month to month insurance” policy.
How to find cheap liability car insurance in Austin?
To find the cheap liability car insurance in Austin you can request liability only auto insurance with 30/60/25 limits of liability which is the minimum in Texas. This policy will only cover the damages done to a third party; it will not cover your automobile. If you want your car covered you would need to purchase full coverage car insurance which costs about twice as much on your monthly price compared to liability only. Liability insurance is priced a little higher in Austin compared to other areas of Texas. Your age and driving record are a big factor in your car insurance quotes for liability coverage. Here are a few options of liability limits that you can choose from in Austin:
- 30/60/25
- 50/100/50
- 100/300/100
- 250/500/250
Not all auto insurance companies in Austin offer the higher limits of liability. If you need the higher limits it is best to contact a more preferred insurance company mentioned above. It is important to carry the adequate amount of limits of liability in case you are involved in a claim. Nobody wants to get stuck with a large bill in a claim where you damage a vehicle that costs more than the $25,000 of property damage, which is the lowest offered under the state minimum liability coverage.
Austin Car Insurance
We do not envision Austin car insurance rates going up or down much in the near future. Austin is still an area where many insurance companies want to write more new business consistently. With a few new insurance companies coming in to the market with cheaper car insurance rates, we expect prices will stay consistent, which is great for the customer. Here at Cheapest Auto Insurance we have several insurance companies that specialize in providing affordable auto insurance in Austin. We offer flexible monthly payment plans and low-down payment car insurance. We offer cheap car insurance rates for the below insurance policies:
- SR22 Insurance
- Non owner's insurance
- Full coverage insurance
- Liability auto insurance
The Future of Insurance in Austin
Insurance in Austin is changing all the time with the new tech companies coming in to the market you can purchase about any type of insurance completely online. For many years, working directly with an agent face to face was the way to buy insurance. But we see this changing very soon. Homeowners and commercial insurance are some of the few sectors in insurance that is hard to do online due to the complexities of the policy coverages. There can be exclusions and endorsements in these policies that for the consumer may be difficult to understand. We feel the future of insurance is a direct-to-consumer model, especially in the younger generations. Face to face may not go away at once but with the large number of new tech companies entering the industry we expect insurance to continue to head in that direction at a fast pace, especially in the auto insurance industry. Auto insurance is much easier to purchase compared to other types of insurance. Many of these tech companies have affordable auto insurance rates but it is yet to be seen how claims are taken care of and can they be profitable on the underwriting part of the business, which can take years to see. Thankfully at Cheapest Auto Insurance we have car insurance companies that allow Austin drivers to start their policy online or call us at 512-473-2000 to speak with live insurance agent.
Automobile insurance Companies in Austin
There are many auto insurance companies in Austin to choose from. When searching for the insurance company that fits your needs, it is wise to read reviews from customers first. Firsthand knowledge is a good way to see how the insurance company is taking care of their customers. Most insurance companies in Austin are holding rates steady and some are even lowering rates or giving customer rebates back due to the Covid-19 situation. As long as there are no more major CAT losses rates should hold steady. But if tornadoes or severe hail storms start coming in that definitely could raise auto insurance rates in Austin and throughout Texas.
Importance of doing an annual auto insurance check up
Our lives are always changing and so is our coverage needs for our auto insurance policy. It is important to contact your auto insurance company or auto insurance broker on a yearly basis to go over your policy with them. Here are a few things to mention to your company or broker to make sure you are still covered correctly:
- Make sure you have all the discounts you deserve on your policy and do they suggest any more discounts you should look at.
- If you just bought a home you should consider bundling that with your auto insurance policy for a multi policy discount.
- If you have gone from liability to full coverage recently be sure to go over with them what all is on your full coverage policy.
Here are a few coverages that don’t come on a normal full coverage quote. Medical payments, Uninsured Motorist Coverage, Rental and towing are just to name a few.
Cheapest Auto Insurance strives to make sure all customers have the time and attention they need from us to be sure they have the coverage they need. Call or text one of our experienced agents to review your coverage today!
New to Cheapest Auto Insurance?
Here at Cheapest Auto Insurance we want to be sure that all your insurance needs are met. We make it quick and simple for you to get a quote whatever your current situation is. Whether you need basic liability auto insurance, full coverage, or maybe you don't have an active Texas driver's license we have insurance professionals who are ready to help you get what you need call us at 512-473-2000 to get a free quote or to get a quote online click here!
E-Sign Accepted Here
We are happy to offer an e-sign option for anyone that can’t make it to an office to sign paperwork. We want to make the process as easy as possible for you.
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