You have seen the captivating ads from auto insurance companies like Nationwide, The General, and Progressive promising the cheapest price, so you just need to choose any of them, right?
Regrettably, it’s not quite that easy, as there are a lot of unknown aspects such as your credit score, when you were born, if you are a homeowner, and the amount of liability coverage you want, that all factor into the price you pay. Car insurance is kind of a dry topic, but this article will explain these types of topics and will hopefully give the reader a jump start in finding the best auto insurance in Texas.
Locating low-cost car insurance is confusing at best, and finding out which companies offer the cheapest auto insurance rates for government employees calls for more quotes for comparison. Every insurance company uses a slightly different approach to determine premium rates, so we’ll take a look at the auto insurance companies that tend to have lower prices in Texas.
We do need to point out that Texas auto insurance rates are calculated based on many things that control the cost of a policy. Things like getting older, marrying your spouse, or getting a few speeding tickets may cause policy rate changes resulting in some rates now being more expensive than competitors.
Best Cheap Insurance Rates in Texas
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,199|
|Quote Your Rates Go|
Travelers offers some of the cheapest car insurance rates in Austin at around $1,010 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the more affordable Austin, TX auto insurance companies.
As shown in the table above, if you are insured with USAA and switched to Travelers, you might see yearly savings of approximately $107. Policyholders with Texas Farm Bureau could save as much as $189 a year, and Germania Mutual customers might reduce prices by as much as $246 a year.
To compare your rates to other Texas insurance companies, click here to get quotes or quote prices from the following companies.
It’s important to note that these prices are averaged for all ages of drivers and types of vehicles and and are not calculated with a specific zip code for government employees. So the insurer that has the cheapest rates for you may not even be in the list above. That illustrates why you need to compare as many prices as possible using your own specific driver and vehicle information.
For state and federal workers, one of the more important considerations that help determine auto insurance rates is where you live. Areas with a lot of weather claims or more people are more likely to pay higher prices, whereas more rural areas have the benefit of cheaper auto insurance prices.
The following table rates the most expensive places in Texas for government employees to buy car insurance in. Austin is ranked at #17 with the yearly price of $1,659 on average, which is about $138 each month.
|Rank||City||Average Per Year|
|Find the Best Rates Go|
Annual rates are estimated as the vehicle garaging location can alter auto insurance rates noticeably.
Insuring your vehicle with the right car insurance provider is hard considering how many different companies insure vehicles in Austin. The ranking data in the next section could help you choose which companies to look at when shopping around. These ratings are only made up of companies that insure vehicles nationwide, so companies without a large exposure are not factored into these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
Driving violations and accidents
In a perfect world, the ideal way to enjoy low auto insurance prices in Texas for state and federal workers is to drive safe and avoid accidents and traffic citations. The example below highlights how traffic violations and at-fault fender-benders can raise auto insurance costs for each age group. The information is based on a married male driver, full coverage, $500 deductibles, and no discounts are applied.
In the example above, the average cost of car insurance per year with no violations or accidents is $1,529. Get written up for one speeding ticket and the average cost surges to $1,758, an increase of $229 each year. Then add one accident along with the one speeding ticket and the 12-month cost of auto insurance for government employees goes up to an average of $2,391. That’s an increase of $862, or $72 per month, just for not being attentive to the road!
How to find low-cost car insurance for government employees
Lowering your rates is not difficult, and here are some of the better thrifty ideas that can help Austin drivers quote more affordable car insurance.
- Increase physical damage deductibles
- Vehicles with good safety ratings are usually cheaper to insure
- Staying accident-free helps keep rates low
- Maintain a clean driving record
- Higher credit ratings may save you money
- Full coverage may not be needed on older vehicles
- Compare prices frequently to find the best deal
That last piece of advice is certainly necessary, as we discussed in this piece. Coverage rates adjust often, so you should be ready to buy a policy from a new company if you can save money. Having brand loyalty is commendable, but it’s not recommended if that stubbornness costs you money that could be going to better use. Spend a few minutes and shop around and find cheaper car insurance for government employees in Austin.
The agencies below are willing to answer your questions and help you decide which coverages are best, since lots of drivers aren’t clear which coverage they need and would like to get some professional input when trying to find lower insurance rates for government employees. It can be challenging to find the best policy on your own, so insurance agents licensed in the state of Texas can add satisfaction knowing you have adequate protection in the event of a claim.
To find an Austin insurance agent near you, click the button at the bottom of the list or click here to compare price quotes now.
- Stanley Insurance Agency
512 W Stassney Ln #113 – Austin, TX 78745 – (512) 445-5555
- Greg Pearson – State Farm Insurance Agent
8705 Shoal Creek Blvd #102 – Austin, TX 78757 – (512) 451-0188
- Mitchamore Insurance Agency
560, 5316 W US Highway 290 Service Rd – Austin, TX 78735 – (512) 730-1424