Comparing Austin auto insurance quotes online can seem complicated if you are a beginner to quote comparisons online. But don’t throw in the towel because finding affordable coverage for Kia Amanti insurance in Austin is easier than you think.
Statistics show that most car insurance policyholders kept their coverage with the same car insurance company for well over three years, and practically 40% of car insurance customers have never compared rates with other companies. Austin consumers could cut their rates by nearly $1,800 a year, but they mistakenly think it’s difficult to save money by comparing rate quotes.
If you’re already insured, you should be able to reduce the price you pay using the ideas presented in this article. Finding and comparing the cheapest car insurance policy in Austin is easy to do. Although Texas drivers do need to learn how the larger insurance companies compete online.
Low-cost companies for Kia Amanti insurance in Texas
The companies shown below can provide free rate quotes in Austin, TX. If multiple providers are shown, we suggest you visit as many as you can in order to find the most competitive rates.
Choices You Make Can Impact Your Insurance Prices
Part of the auto insurance buying process is learning the rating factors that aid in calculating the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that could help you find better auto insurance rates.
Age of drivers impacts rates – Older insureds tend to be more responsible, cause fewer claims and accidents, and are generally more financially stable.Youthful drivers have been known to be more careless when driving therefore auto insurance rates are much higher.
Always keep your coverage in force – Allowing your auto insurance policy to lapse is a guaranteed way to trigger a rate increase. In addition to paying higher premiums, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.
Does your employer cost you more? – Do you have a high-stress occupation? Careers such as military personnel, air traffic controllers, and medical professionals tend to pay higher premium rates attributed to intense work situations and long work days. On the flip side, occupations like actors, students and homemakers have lower than average premiums.
Getting married reduces risk – Your spouse may save some money when shopping for auto insurance. Having a spouse usually means you are more mature and responsible and statistics prove drivers who are married file infrequent claims.
Lower premiums with alarms and GPS tracking – Purchasing a vehicle with a theft deterrent system can save you a little every year. Advanced theft deterrents such as OnStar, LoJack tracking, and tamper alarms can thwart auto theft.
Raising coverage deductibles saves money – Comp and collision deductibles define the amount you are required to spend if you file a covered claim. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of covered claims are rearending another vehicle, damage from fire, and having a roll-over accident. The higher the amount you’re willing to pay, the less your auto insurance will be.
Safer cars means lower rates – Vehicles that have high safety ratings tend to have better insurance rates. Vehicles engineered for safety reduce the chance of injuries and reduced instances of injuries means less claims paid and more competitive rates for policyholders.
Don’t buy extra coverages that aren’t used – There are many additional extra coverages that may not really be needed but may not be useful. Add-on coverages like rental car reimbursement, accidental death, and extra life insurance coverage may not be needed and are just wasting money. They may sound like good ideas when deciding what coverages you need, but if you have no use for them remove them and pocket the money.
Score discounts on Austin car insurance
Some providers do not advertise every discount in an easy-to-find place, so here is a list a few of the more well known and also the more inconspicuous credits that may apply to you.
- Professional Organizations – Participating in certain professional organizations can get you a small discount on your policy.
- Early Payment Discounts – By paying your entire bill at once rather than paying monthly you could save 5% or more.
- Mature Driver Discount – Mature drivers may receive reduced rates.
- Policy Bundle Discount – If you insure your home and vehicles and insure them both with the same insurance company you could save up to 20% and get you cheap Amanti insurance.
- Drivers Ed for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class as it can save substantially.
- E-sign – Some of the larger companies provide a small discount get Austin auto insurance on the internet.
- Switch and Save Discount – Some car insurance companies provide a discount for renewing your policy early. It’s a savings of about 10%.
It’s important to note that some credits don’t apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, it’s just not the way it works.
Car insurance companies who may offer most of the discounts above include:
Before buying, ask each insurance company how many discounts you can get. Some of the earlier mentioned discounts may not apply in every state. To choose providers that offer discounts in Austin, click here to view.
Auto insurance agents can help
A small number of people just prefer to talk to an insurance agent and that is a personal choice. The best thing about comparing insurance online is that you can find cheap insurance quotes and also buy local. And buying from neighborhood insurance agencies is important especially in Austin.
After completing this form (opens in new window), your information is instantly submitted to agents in your area that can give you free Austin auto insurance quotes for your insurance coverage. You never need to find an agent on your own as quotes are delivered to you instantly. It’s the lowest rates and work with a local agent. If for some reason you want to compare prices for a specific company, you just need to jump over to their website and give them your coverage information.
Car insurance agents in Austin come in two varieties
If you are searching for a local Austin insurance agency, you need to know there are two types of agencies and how they function. Agencies in Austin are considered either exclusive agents or independent agents.
Independent Insurance Agents
Independent insurance agents are normally appointed by many insurers so they can insure your vehicles amongst many companies and help determine which has the cheapest rates. If you are not satisfied with one company, the agent simply finds a different carrier and you can keep the same agent.
When comparing rates, you will want to include independent agents to get the best comparison. Most independent agents also contract with companies you’ve never heard of which could offer lower prices.
The following are independent insurance agencies in Austin who can help you get comparison quotes.
- Higginbotham/William Gammon Insurance
1221 S MoPac Expy – Austin, TX 78746 – (512) 477-6745 – View Map
- Greater Texas Insurance
9809 Anderson Mill Rd – Austin, TX 78750 – (512) 250-5055 – View Map
- Ed Weeren Insurance Agency
300 E Highland Mall Blvd #208 – Austin, TX 78752 – (512) 454-5266 – View Map
Exclusive Insurance Agents
Agents that choose to be exclusive have only one company to place business with and some examples include Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to place coverage with different providers so they really need to provide good service. Exclusive insurance agents are highly trained on their company’s products which helps overcome the inability to quote other rates. Some people will only buy from the same agent for years mainly due to the brand name rather than low rates.
Listed below are exclusive insurance agencies in Austin that are able to give comparison quotes.
- Greg Pearson – State Farm Insurance Agent
8705 Shoal Creek Blvd #102 – Austin, TX 78757 – (512) 451-0188 – View Map
- Nancy Callahan – State Farm Insurance Agent
3500 Jefferson St #313 – Austin, TX 78731 – (512) 451-7573 – View Map
- Richard Munoz – State Farm Insurance Agent
5446 W US Hwy 290 Service Rd #104 – Austin, TX 78735 – (512) 892-3527 – View Map
Finding the right insurance agency requires more thought than just a cheap price quote. These are some valid questions you should ask.
- Is the agent properly licensed in Texas?
- How many years have they been established?
- Are claim adjusters local or do you have to take your car somewhere else?
- Will one accident increase rates?
- Does the quote include credit and driving reports?
Slick advertising tricks that work
Popular auto insurance providers such as Allstate, GEICO and Progressive consistently run ads in print and on television. They all make an identical promise about how much you will save if you change your coverage to them. How is it plausible that every one can charge you less for car insurance? This is the way they can do it.
Many companies require specific criteria for the right customer they prefer to insure. An example of a desirable risk may be a mature driver, has never had a policy lapse, and the vehicle is rated for pleasure use. Someone that meets those criteria receives the best prices in Austin and therefore will save money with a new company.
Consumers who do not meet this stringent profile will be quoted higher prices and the driver buying from a lower-cost company. If you pay close attention to the ads, they say “people who switch” not “everyone that quotes” save money. This is how insurance companies can claim big savings.
Each company has different criteria, so it is so important to get Austin auto insurance quotes as often as possible. Because you never know which insurance companies will have the lowest prices for your situation.
Be persistent to save money
We just presented a lot of tips how to lower your Kia Amanti insurance premium rates in Austin. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding the cheapest Kia Amanti rate quotes. You may even find the biggest savings come from an unexpected company.
People change insurance companies for a variety of reasons including high prices, poor customer service, policy cancellation and even denial of a claim. No matter why you want to switch, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.
As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. In too many instances, an insured dropped liability coverage limits and found out when filing a claim that they should have had better coverage. Your goal is to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.
More tips and info about car insurance is located in these articles:
- Car Insurance: When not to Skimp (BankRate.com)
- What Auto Insurance is Cheapest for First-time Drivers in Austin? (FAQ)
- Insurance Losses by Make and Model (iihs.org)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- What is Gap Insurance? (Insurance Information Institute)