Want to learn how to buy low-cost Honda HR-V insurance in Austin? Having to pay for expensive auto insurance in Austin can consume your family’s budget and require stricter spending habits. Performing a rate comparison is an excellent way to lower your monthly bill.
It’s shocking but the majority of drivers have stayed with the same insurance company for more than four years, and approximately 40% of consumers have never shopped around. American consumers could save almost $850 every year just by comparing rates, but most undervalue the rate savings if they switched to a cheaper policy.
With people having so many different company options, it’s nearly impossible to choose the most cost effective auto insurance provider.
It’s smart to check auto insurance prices periodically because prices go up and down regularly. Despite the fact that you may have had the lowest quotes on Honda HR-V insurance in Austin on your last policy a different company probably has better rates today. Ignore everything you know about auto insurance because you’re about to find out one of the best ways to buy cheaper Honda HR-V insurance in Austin.
This information will teach you a little about the best way to buy inexpensive insurance. If you have a current insurance policy, you will definitely be able to find better prices using the ideas covered in this article. But Texas vehicle owners can benefit by having an understanding of the way insurance companies market on the web and use it to find better rates.
Companies offering Honda HR-V insurance in Texas
The companies in the list below have been selected to offer free rate quotes in Austin, TX. If more than one company is shown, we recommend you click on several of them to get the best price comparison.
Honda HR-V insurance discounts in Austin
Insurance is expensive, but there could be significant discounts that many people don’t even know exist. A few discounts will be applied at the time of purchase, but lesser-known reductions have to be specially asked for before you get the savings.
- Active Service Discounts – Being on active duty in the military could trigger a small discount.
- Payment Method – If you pay your bill all at once as opposed to paying monthly you may reduce your total bill.
- One Accident Forgiven – Not a discount per se, but some insurance companies allow you one accident before raising your premiums with the catch being you have to be claim-free for a particular time prior to the accident.
- Driving Data Discount – Insureds that choose to allow driving data collection to monitor driving patterns remotely such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if their driving habits are good.
- Discount for New Cars – Buying a new car model can cost up to 25% less compared to insuring an older model.
- College Student – Children who live away from home at college and do not have access to a covered vehicle can be insured at a reduced rate.
We need to note that some of the credits will not apply to the overall cost of the policy. Most cut specific coverage prices like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, you aren’t that lucky.
Companies that may offer quotes with many of the previously listed discounts possibly include:
If you are trying to find affordable Honda HR-V insurance quotes, ask every insurance company which discounts you qualify for. Some of the earlier mentioned discounts may not apply to policyholders everywhere. To see insurers who offer cheap Honda HR-V insurance quotes in Texas, follow this link.
Learn How to Lower Your Insurance Premiums
Many different elements are taken into consideration when quoting car insurance. Some are obvious like your driving record, although some other factors are more obscure such as your credit history and annual miles driven.
- Less chance of injury means lower insurance rates – Vehicles with good safety scores tend to have better insurance rates. Highly rated vehicles reduce the chance of injuries and fewer serious injuries translates into savings for insurance companies and cheaper rates on your policy. If your Honda HR-V scored at minimum four stars on Safercar.gov it may be receiving lower rates.
- Getting married brings a discount – Being married may cut your premiums when shopping for insurance. It usually means you are more stable financially and it’s statistically proven that married drivers tend to have fewer serious accidents.
- Rates can drop if you have more than one policy – Some insurers will give a discount to buyers that have more than one policy, otherwise known as a multi-policy discount. The amount of the discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, you still need to comparison shop to make sure you are getting the best deal. You may still be able to save money by insuring with multiple companies.
- Bad credit will cost you – An insured’s credit rating can be an important factor in determining premium rates. If your credit rating is low, you could pay less to insure your Honda HR-V by repairing your credit. People with excellent credit tend to be more responsible as compared to drivers with lower credit ratings.
- Only buy what you need – Insurance companies have many add-on coverages you can purchase when buying insurance. Coverages for replacement cost coverage, towing, and term life insurance may be costing you every month. You may think they are a good idea when buying your policy, but your money might be better spent on other coverage so remove them from your policy.
There’s no such thing as the perfect auto insurance policy
When buying insurance from an agent or online for your vehicles, there isn’t really a “best” method to buy coverage. Your financial needs are unique.
For instance, these questions may help you determine whether you would benefit from an agent’s advice.
- When should I remove comp and collision on my Honda HR-V?
- Where can I get insurance after a DUI in Texas?
- Am I covered if I crash into my own garage door?
- How can I get the company to pay a claim?
- Why is insurance for a teen driver so high in Austin?
- Am I covered if my car is in a flood?
- At what point should I drop full coverage?
- Can I cancel at any time?
If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form.
Shop online but buy locally
Many people would prefer to get professional advice from a licensed agent and that is OK! A nice benefit of price shopping on the web is that you can obtain better rates but also keep your business local. And buying from local agencies is still important in Austin.
Upon completion of this quick form, your insurance coverage information is immediately sent to local insurance agents who will return price quotes for your insurance coverage. It’s much easier because you don’t need to drive around due to the fact that quote results will go directly to your email. You can find the lowest rates without the usual hassles of price shopping. If you need to compare rates for a specific company, you would need to find their quoting web page to submit a rate quote request.
Compare rates from both independent and exclusive car insurance agents
If you want to use a local Austin insurance agency, it’s helpful to know the different agency structures and how they operate. Auto insurance policy providers are either independent agents or exclusive agents.
Independent Agents
Independent agencies often have many company appointments and that enables them to quote your coverage amongst many companies and potentially find a lower price. If they quote lower rates, the business is moved internally which requires no work on your part.
When comparing auto insurance rates, you need to get insurance quotes from independent agents in order to compare the most rates.
The following is a small list of independent agencies in Austin who can help you get pricing information.
TY Lawrence Insurance Agency
2802 Flintrock Trace b101 – Austin, TX 78738 – (512) 732-2353 – View Map
AUSTIN AREA INSURANCE AGENCY
8711 Burnet Rd – Austin, TX 78757 – (512) 253-8726 – View Map
Greater Austin Insurance Inc
11824 Jollyville Rd # 202 – Austin, TX 78759 – (512) 250-1777 – View Map
Exclusive Agencies
Exclusive agents can only place business with one company such as Farmers Insurance, State Farm, Allstate, and AAA. These agents are unable to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are very knowledgeable in insurance sales which helps them sell on service rather than price.
The following are Austin exclusive agencies who can help you get rate quotes.
Robert Ndegwa – State Farm Insurance Agent
1200 W Howard Ln f – Austin, TX 78753 – (512) 837-8818 – View Map
Carmina Eaton – State Farm Insurance Agent
4201 W Parmer Ln b170 – Austin, TX 78727 – (512) 244-6641 – View Map
Stuart Nalewaik – State Farm Insurance Agent
1717 W 6th St #214 – Austin, TX 78703 – (512) 382-6019 – View Map
Finding a good insurance agent shouldn’t rely on just the bottom line cost. Below are some questions you should ask.
- Where would glass claims be handled in Austin?
- Are they primarily personal or commercial lines agents in Austin?
- Do they have a Better Business Bureau rating in Austin?
- Do they offer claims assistance after hours?
- Is the agent and/or agency licensed to do business in Texas?
- How long has their agency been open in Austin?
- Can you get a list of referrals?
Quote more and you will save more
As you restructure your insurance plan, it’s not a good idea to reduce needed coverages to save money. There have been many cases where an insured cut physical damage coverage and discovered at claim time that they should have had better coverage. The aim is to purchase plenty of coverage at an affordable rate.
The cheapest Honda HR-V insurance in Austin is available from both online companies as well as from independent agents in Austin, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and these smaller providers provide coverage only through local independent agents.
Consumers who switch companies do it for any number of reasons including high prices, extreme rates for teen drivers, high rates after DUI convictions or even an unsatisfactory settlement offer. Whatever your reason, choosing a new company can be easier than you think.
More learning opportunities
- Steps to Take After an Auto Accident (Insurance Information Institute)
- How Much are Auto Insurance Quotes for Drivers with a DUI in Austin? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers with a Bad Driving Record in Austin? (FAQ)
- Who Has Affordable Austin Car Insurance Quotes for 16 Year Olds? (FAQ)
- How Much are Auto Insurance Rates for a Dodge Ram in Austin? (FAQ)
- What Insurance is Cheapest for a Toyota Corolla in Austin? (FAQ)
- Understanding Car Crashes Video (iihs.org)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Avoiding Deer Collisions (Insurance Information Institute)
- Safety Belts FAQ (iihs.org)