Are you tired of trying to find cheaper Buick Rainier insurance in Austin? Wish you could get a refund on high-priced Buick Rainier insurance in Austin? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out.
Amazingly, a large majority of drivers have stayed with the same insurance company for a minimum of four years, and almost 40% of drivers have never taken the time to shop around. With the average insurance premium being $2,680, Austin drivers could save themselves as much as 70% a year, but they just don’t understand the big savings they would realize if they switched to a more affordable policy.
Due to the fact that there are so many companies to choose from that have cheap insurance for a Buick Rainier in Austin, it can be challenging to choose the right insurance company.
It’s a good idea to price shop coverage yearly since insurance prices fluctuate regularly. Even if you think you had the best rate on Buick Rainier insurance in Austin on your last policy you can probably find a better premium rate now. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in the fastest and easiest way to remove unneeded coverages and save money.
Car insurance rates and discounts
Not too many consumers would say car insurance is affordable, but you may be missing some discounts that many consumers don’t even know exist. Most are applied at the time you complete a quote, but a few need to be asked for prior to receiving the credit. If you do not double check each discount you deserve, you are paying more than you should be.
- Seat Belts Save – Drivers who require all occupants to buckle up could cut 10% or more off the medical payments premium.
- Memberships – Belonging to a qualifying organization is a good way to get lower rates when getting a Austin auto insurance quote.
- Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
- Good Grades Discount – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
- Active Service Discounts – Having a family member in the military could trigger a small discount.
Don’t be surprised that most credits do not apply to the whole policy. The majority will only reduce individual premiums such as medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you aren’t that lucky.
Popular car insurance companies and their possible discounts can be found below.
- American Family may offer discounts for Steer into Savings, good driver, TimeAway discount, air bags, bundled insurance, and early bird.
- State Farm discounts include good student, accident-free, multiple autos, Drive Safe & Save, good driver, and Steer Clear safe driver discount.
- 21st Century may have discounts that include anti-lock brakes, student driver, good student, homeowners, and defensive driver.
- Travelers offers discounts for continuous insurance, hybrid/electric vehicle, multi-car, payment discounts, early quote, and IntelliDrive.
- GEICO offers premium reductions for defensive driver, anti-theft, good student, emergency military deployment, anti-lock brakes, driver training, and five-year accident-free.
When comparing rates, check with all the companies to give you their best rates. All car insurance discounts may not apply to policies in your area. To see a list of companies that have a full spectrum of discounts in Texas, follow this link.
When price shopping your coverage, comparing more quotes provides better odds of finding better pricing. Not every company does rate quotes online, so it’s important to also get quotes from them, too.
The following companies offer comparison quotes in Texas. If multiple companies are listed, it’s a good idea that you compare several of them to get a more complete price comparison.
Do I need special coverages?
When buying proper insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different.
Here are some questions about coverages that may help highlight whether your personal situation would benefit from professional advice.
- Which companies are cheaper for teen drivers?
- Can my teen drive my company car?
- How much underlying liability do I need for an umbrella policy?
- Am I covered when pulling a rental trailer?
- When should I remove my kid from my policy?
- Do I need special endorsements for business use of my vehicle?
If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.
Local neighborhood agents and auto insurance
Some consumers would prefer to get advice from a local agent and there is nothing wrong with that. One of the great benefits of comparing insurance prices online is you can get cheap rate quotes and still have an agent to talk to.
To make it easy to find an agent, after completing this form (opens in new window), the quote information is sent to local insurance agents who will return price quotes for your business. It’s much easier because you don’t need to find an agent as quotes are delivered directly to your email. Get lower rates AND an agent nearby. If for some reason you want to compare prices from one company in particular, feel free to find their quoting web page to submit a rate quote request.
Selecting an insurance company is decision based upon more than just the price. These are some valid questions you should ask.
- Is there a Errors and Omissions policy in force?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Can you choose the body shop in case repairs are needed?
- Is assistance available after office hours?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Are they giving you every discount you deserve?
- How many years have they been established?
Choose the right auto insurance agent
When researching a local agent, it’s helpful to know the different agency structures and how they function. Auto insurance agents can be described as either independent agents or exclusive agents depending on their employer.
Exclusive Auto Insurance Agencies
Agents that elect to be exclusive work for only one company and examples are State Farm, Allstate and AAA. Exclusive agents are unable to provide rate quotes from other companies so always compare other rates. Exclusive agents are trained well in insurance sales which helps offset the inability to provide other markets.
Shown below are exclusive insurance agents in Austin willing to provide price quotes.
Jane McQuiggin-Hutson – State Farm Insurance Agent
2307 W Parmer Ln – Austin, TX 78727 – (512) 973-8501 – View Map
Agents of this type can sell policies from many different companies so as a result can place your coverage with lots of companies and help determine which has the cheapest rates. If you want to switch companies, they can switch companies in-house and you can keep the same agent. When comparing auto insurance rates, we recommend you check rates from independent agents to ensure the widest selection of prices.
Listed below is a short list of independent insurance agents in Austin willing to provide price quotes.
Why do I need car insurance?
Even though it can be expensive, insuring your vehicle is required by state law in Texas and it also provides benefits you may not be aware of.
First, almost all states have mandatory insurance requirements which means state laws require a minimum amount of liability in order to be legal. 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 took out a loan on your Rainier, it’s guaranteed your bank will require you to buy insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank may insure your Buick for a much higher rate and require you to fork over for it.
Third, insurance protects both your Buick Rainier and your personal assets. It will also pay for medical bills incurred in an accident. As part of your policy, liability insurance will also pay attorney fees if someone files suit against you as the result of an accident. If your Buick gets damaged, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance are definitely more than the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver overpays as much as $800 each year so shop around at least once a year to ensure rates are inline.
Coverages available on your policy
Understanding the coverages of auto insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Buick Rainier.
Since a lot of drivers only purchase the least amount of liability that is required (30/60/25 in Texas), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like funeral costs, EMT expenses and X-ray expenses. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
This coverage will pay to fix damage to your Rainier resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as scraping a guard rail, crashing into a ditch, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also bump up the deductible on your Rainier to get cheaper collision coverage.
Comprehensive auto coverage
This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things like rock chips in glass, a tree branch falling on your vehicle, damage from getting keyed, hail damage and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Liability auto insurance
Liability coverage will cover damage or injury you incur to people or other property. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 30/60/25 which means $30,000 bodily injury coverage, a per accident bodily injury limit of $60,000, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers things like medical services, loss of income and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible. Texas state minimum liability requirements are 30/60/25 but drivers should carry higher limits.
Get the best coverage at the most affordable price
People switch companies for a variety of reasons including policy cancellation, denial of a claim, not issuing a premium refund or poor customer service. No matter why you want to switch, switching car insurance companies is not as difficult as it may seem.
When searching for affordable Buick Rainier insurance quotes, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced uninsured motorist or liability limits only to discover later that they should have had better coverage. Your goal is to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.
Budget-friendly car insurance in Austin is attainable online in addition to many Austin insurance agents, so you need to shop Austin auto insurance with both in order to have the best chance of saving money. A few companies may not provide rate quotes online and these smaller companies work with independent insurance agents.
To read more, feel free to browse the articles below:
- Teen Driving Statistics (GEICO)
- What Auto Insurance is Cheapest for 4×4 Vehicles in Austin? (FAQ)
- Who Has Cheap Austin Auto Insurance Quotes for Inexperienced Drivers? (FAQ)
- How Much are Auto Insurance Rates for High School Students in Austin? (FAQ)
- How Much are Auto Insurance Quotes for a Learners Permit in Austin? (FAQ)
- What Insurance is Cheapest for a Toyota Corolla in Austin? (FAQ)
- What Does No-Fault Insurance Cover? (Allstate)
- Your Car has been Stolen: Now What? (Allstate)