Looking for cheaper Chevy Bolt EV insurance in Austin? High-priced car insurance in Austin can take a big chunk out of your family’s budget and force you to cut corners elsewhere.
Unbelievably, most Texas car insurance customers have remained with the same car insurance company for a minimum of four years, and almost 40% of drivers have never shopped around. Many drivers in America could pocket approximately $850 a year, but they don’t believe the rate savings if they moved their coverage to a different company. Due to the fact that there are so many choices of insurance companies that have cheaper insurance for a Chevy Bolt EV in Austin, it’s difficult to choose the most affordable company.
It’s a great practice to get comparison quotes before your policy renews because insurance rates are constantly changing. Just because you had the best rate on Chevy Bolt EV insurance in Austin last year you may be paying too much now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the best methods to find better coverage on Chevy Bolt EV insurance in Austin at a better price.
We hope to teach you how to effectively get price quotes and also save some money in the process If you have car insurance now, you will be able to reduce premiums using the ideas you’re about to read. Drivers only need an understanding of the tricks to compare rates over the internet.
The auto insurance companies shown below can provide price quotes in Texas. If multiple companies are shown, we recommend you visit as many as you can in order to get a fair rate comparison.
Discounts can help save money on Chevy Bolt EV insurance in Austin
Car insurance is not cheap nor is it fun to buy but there could be available discounts that could drop your premiums quite a bit. Some trigger automatically at quote time, but a few must be inquired about in order for you to get them.
- Anti-theft Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
- Driving Data Discount – Drivers that enable their car insurance company to monitor driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they exhibit good driving behavior.
- E-sign Discounts – Certain car insurance companies may give you up to $50 for buying your policy on the internet.
- Air Bags and Passive Restraints – Options like air bags may get savings up to 30%.
- Claim-Free Discount – Insureds who avoid accidents and claims have much lower rates compared to insureds who have frequent claims or accidents.
- Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle up could cut 10% or more on the medical payments or PIP coverage costs.
- College Student – Kids who are enrolled in a college that is more than 100 miles from Austin and do not have access to a covered vehicle may be insured at a cheaper rate.
Keep in mind that some credits don’t apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, you’re out of luck.
Large car insurance companies and some of their more popular discounts are:
- Progressive may have discounts that include good student, homeowner, continuous coverage, online signing, multi-vehicle, online quote discount, and multi-policy.
- MetLife may include discounts for good student, defensive driver, accident-free, multi-policy, claim-free, good driver
- Mercury Insurance offers discounts for low natural disaster claims, type of vehicle, ease of repair, age of vehicle, professional/association, and anti-theft.
- Nationwide may offer discounts for family plan, Farm Bureau membership, anti-theft, defensive driving, accident-free, and multi-policy.
- GEICO includes discounts for daytime running lights, emergency military deployment, air bags, five-year accident-free, driver training, and multi-vehicle.
- AAA discounts include AAA membership discount, education and occupation, good driver, anti-theft, and multi-policy.
If you want low cost Austin car insurance quotes, ask each company which discounts they offer. Some credits may not apply to policies everywhere.
Insurance protects more than just your car
Even though it can be expensive, insurance may be mandatory for several reasons.
- Almost all states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability insurance in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Bolt EV, most lenders will require you to buy insurance to guarantee payment of the loan. If you let the policy lapse, the bank may insure your Chevy for a lot more money and force you to pay for the much more expensive policy.
- Insurance safeguards your car and your assets. Insurance will also pay for medical expenses for not only you but also any passengers injured in an accident. Liability coverage also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If you have damage to your Chevy as the result of the weather or an accident, your insurance policy will pay to have it repaired.
The benefits of buying enough insurance definitely exceed the price paid, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is overpaying over $810 a year so compare rate quotes once a year at a minimum to be sure current rates are still competitive.
When to get advice from an insurance agency
Many drivers prefer to buy from a licensed agent and there is nothing wrong with that. Most agents are highly skilled in risk management and will help you if you have claims. A good thing about getting online price quotes is that you can obtain the best rates and still buy from a local agent. And supporting local insurance agencies is important particularly in Austin.
By using this simple form, the coverage information gets sent to insurance agents in Austin who will give you quotes for your car insurance coverage. It’s much easier because you don’t need to search for an agent because prices are sent directly to you. In the event you want to get a rate quote from one company in particular, you would need to go to their quote page and complete a quote there.
When looking for a reliable agent, it’s important to understand the different agency structures that you can select. Insurance agencies in Austin can be described as either independent (non-exclusive) or exclusive. Either type can insure your vehicles properly, but it is a good idea to know why they differ since it can affect which agent you choose.
Independent Agents
These type of agents do not work for one specific company so as a result can place your coverage amongst many companies and find the cheapest rate. If you want to switch companies, the business is moved internally and you stay with the same agent.
When comparing car insurance prices, you need to contact multiple independent agents in order to have the best price comparison.
Listed below are independent agencies in Austin that may be able to give you comparison quotes.
Austin Insurance Group
9705 Burnet Rd #314 – Austin, TX 78758 – (512) 339-2901 – View Map
Greater Austin Insurance Inc
11824 Jollyville Rd # 202 – Austin, TX 78759 – (512) 250-1777 – View Map
Watkins Insurance Group
3834 Spicewood Springs Rd – Austin, TX 78759 – (512) 452-8877 – View Map
Exclusive Agents
Exclusive insurance agents are contracted to one company such as American Family, State Farm, and AAA. They usually cannot give you multiple price quotes so keep that in mind. Exclusive agents are usually well trained on sales techniques which helps offset the inability to provide other markets.
Listed below are exclusive insurance agents in Austin that can give you comparison quotes.
Bridgette Hearne – State Farm Insurance Agent
3407 W Slaughter Ln b – Austin, TX 78748 – (512) 441-3704 – View Map
Allstate Insurance: Homero Escobar
730 W Stassney Ln Ste 230 – Austin, TX 78745 – (512) 443-9598 – View Map
Karen Hall – State Farm Insurance Agent
7004 Bee Cave Rd #3 – Austin, TX 78746 – (512) 327-6200 – View Map
Choosing a auto insurance agent is decision based upon more than just the quoted price. The questions below may impact your decision as well.
- How long has their agency been open in Austin?
- What will you get paid if your car is a total loss? How is that amount determined?
- How long have they worked with personal auto insurance coverage?
- Which companies do they recommend if they are an independent agency?
- Will you get a loaner vehicle if you car is being repaired?