Did you make the mistake of buying an expensive auto insurance policy? Believe me when I say there are lots of people in the same boat.
Amazingly, most auto insurance customers have been with the same company for four years or more, and almost 40% of drivers have never shopped around. Texas consumers could save nearly 70% a year just by getting comparison quotes, but they underestimate how much they could save if they switched.
Vehicle owners have so many car insurance companies to buy insurance from, and although it’s nice to have a selection, too many choices makes it more difficult to adequately compare rates for Subaru Crosstrek insurance in Austin.
The Subaru Crosstrek Insurance Price Equation
Multiple criteria are used in the calculation when you quote your car insurance policy. Some are obvious like an MVR report, but some are not quite as obvious like your vehicle usage or how safe your car is.
Listed below are some of the most common factors companies use to determine your rates.
Pay lower premiums after the wedding – Walking down the aisle helps lower the price when shopping for auto insurance. It means you’re more responsible and insurance companies reward insureds because drivers who are married file infrequent claims.
Cheap prices for being claim-free – If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Auto insurance companies in Texas generally give the best rates to insureds who are claim-free. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
High performance equals high prices – The performance of the car you are trying to find cheaper insurance for makes a big difference in your rates. The best insurance prices are generally reserved for small economy passenger cars, but your final cost has many other factors. Since the Subaru Crosstrek is classified as a crossover, insurance will be slightly more than the average rate where you live in Austin.
Premiums are lower the older you get – Inexperience drivers tend to be careless and easily distracted with other occupants in the car therefore auto insurance rates are much higher. Older people are viewed as being more responsible, file fewer claims, and are safer drivers.
When quoting car insurance, remember that comparing more quotes will increase your chances of finding the best offered rates.
The companies in the list below offer price comparisons in Austin, TX. If multiple companies are listed, it’s a good idea that you visit as many as you can to get the most competitive price.
Auto insurance is an important decision
Despite the fact that auto insurance is not cheap in Austin, paying for auto insurance is a good idea for several reasons.
First, the majority of states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability insurance coverage if you don’t want to risk a ticket. 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.
Second, if you have a lien on your car, more than likely the lender will make it a condition of the loan that you buy insurance to guarantee payment of the loan. If the policy lapses, the bank may buy a policy for your Subaru for a lot more money and make you pay for it.
Third, auto insurance protects both your assets and your car. It will also pay for medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you cause an accident and are sued. If you have damage to your Subaru as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of insuring your Crosstrek definitely exceed the price paid, especially when you need to use it. According to a recent study, the average American driver is overpaying more than $865 each year so smart consumers compare quotes at every policy renewal to make sure the price is not too high.
Cheaper Subaru Crosstrek insurance rates in Austin
Auto insurance is not inexpensive, but companies offer discounts to cut the cost considerably. Certain discounts will be applied at the time you complete a quote, but less common discounts must be inquired about in order for you to get them.
- Driver Training Discounts – Passing a defensive driving course is a good idea and can lower rates and also improve your driving technique.
- Homeowners Savings – Simply owning a home can help you save on auto insurance since home ownership means you have a higher level of financial diligence.
- No Claims – Austin drivers who stay claim-free are rewarded with significantly better rates on Austin auto insurance quote as compared to policyholders that have many claims.
- Discount for New Cars – Putting coverage on a new Crosstrek can cost up to 25% less since new vehicles are generally safer.
- Military Deployment Discount – Having an actively deployed family member may lower your premium rates slightly.
- Driver’s Education for Students – It’s a good idea to have your young drivers enroll in driver’s education as it can save substantially.
- E-sign Discounts – Many auto insurance companies provide a small discount for buying your policy on the web.
- Switch and Save Discount – Some auto insurance companies reward drivers for switching companies early. This discount can save up to 10%.
- Full Payment Discount – If you pay your bill all at once instead of monthly or quarterly installments you may have a lower total premium amount.
It’s important to note that most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. Even though it appears you can get free auto insurance, company stockholders wouldn’t be very happy.
To see auto insurance companies with the best Subaru Crosstrek insurance discounts in Austin in Texas, click this link.
Compare rates but work with a local Austin insurance agent
A small number of people still prefer to buy from a local agent and doing that can be a smart decision The biggest benefit of price shopping on the web is you can get the best rates and still have an agent to talk to. Putting coverage with local insurance agents is definitely important in Austin.
To help locate an agent, after submitting this form (opens in new window), your insurance data is instantly submitted to insurance agents in Austin who will give you quotes for your insurance coverage. It makes it easy because there is no need to search for any insurance agencies because quoted prices will be sent to your email. You can get cheaper car insurance rates without having to waste a lot of time. If you want to get a comparison quote from a specific car insurance provider, you can always jump over to their website to submit a rate quote request.
Pick the best car insurance agent in Austin for you
If you are wanting to purchase car insurance from an insurance agent, it helps to know the two different types of agencies and how they are distinctly different. Car insurance agencies can be described as either exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agents
Independent agencies are not limited to a single company so they can quote policies with lots of companies and get you the best rates possible. If you are not satisfied with one company, the business is moved internally and you can keep the same agent.
If you are comparing car insurance prices, we highly recommend that you include multiple independent agents to get the best comparison.
The following is a short list of independent insurance agencies in Austin who can help you get rate quotes.
AUSTIN AREA INSURANCE AGENCY
8711 Burnet Rd – Austin, TX 78757 – (512) 253-8726 – View Map
Exclusive Car Insurance Agents
Agents that choose to be exclusive can usually just insure with one company like State Farm, AAA, Farmers Insurance or Allstate. They are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. They receive a lot of sales training on their company’s products which helps them sell insurance even at higher premiums.
Below is a list of exclusive insurance agents in Austin who can help you get comparison quotes.
Jane McQuiggin-Hutson – State Farm Insurance Agent
2307 W Parmer Ln – Austin, TX 78727 – (512) 973-8501 – View Map
Finding the right auto insurance agent requires you to look at more than just the premium amount. The following questions are important to ask.
- Does their agency support local causes in Austin?
- Is auto insurance their primary focus in Austin?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Who is covered by the car insurance policy?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- What insurance companies do they work with in Austin?
Quote more and you will save more
When you buy Austin auto insurance online, you should never buy lower coverage limits just to save a few bucks. In many instances, an insured cut comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. Your goal is to get the best coverage possible for the lowest cost.
We’ve covered a lot of techniques to lower your Subaru Crosstrek insurance auto insurance rates in Austin. The key concept to understand is the more companies you get premium rates for, the higher the chance of saving money. You may even find the lowest auto insurance rates are with the smaller companies. Some small companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.
Discount Subaru Crosstrek insurance in Austin can be found on the web as well as from insurance agents, and you should compare price quotes from both to get a complete price analysis. Some car insurance companies may not have the ability to get quotes online and usually these regional carriers prefer to sell through independent agents.
Even more information is located in these articles:
- Car Insurance: When not to Skimp (BankRate.com)
- Who Has Cheap Austin Car Insurance Rates for Uninsured Drivers? (FAQ)
- How Much are Auto Insurance Quotes for a Learners Permit in Austin? (FAQ)
- Who Has the Cheapest Austin Car Insurance for a Toyota Tacoma? (FAQ)
- Who Has Affordable Car Insurance Quotes for Lyft Drivers in Austin? (FAQ)
- Teen Driving Statistics (GEICO)
- Winter Driving (Insurance Information Institute)
- Property Damage Coverage (Liberty Mutual)