Do you need a better way to compare cheaper Oldsmobile Silhouette insurance in Austin? Have you fallen victim to high-priced Oldsmobile Silhouette insurance in Austin? Trust us when we tell you many Austin consumers feel financially strained by their car insurance policy.
A study showed that a large majority of drivers have purchased from the same company for four years or more, and 38% of customers have never compared car insurance rates at all. Consumers in Texas can save as much as $1,770 each year just by shopping around, but most undervalue the amount of money they would save if they bought a different policy.
You have so many auto insurance companies to choose from, and though it is a good thing to have multiple companies, it can be more challenging to compare rates for Oldsmobile Silhouette insurance in Austin.
Quoting and comparing the best-priced insurance coverage in Austin is easy to do. Nearly everyone who needs lower cost insurance most likely will find lower prices. Although Texas car owners do need to learn how insurance companies calculate your policy premium because it can help you find the best coverage.
Cheap companies for Oldsmobile Silhouette insurance
The providers in the list below offer price comparisons in Austin, TX. If the list has multiple companies, we recommend you visit two to three different companies to get the most affordable price.
Do you qualify for discounts on Oldsmobile Silhouette insurance in Austin?
Some insurers don’t necessarily list all possible discounts very well, so the list below details some of the best known in addition to some of the lesser obvious discounts that you may qualify for.
- Distant Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from Austin without a vehicle on campus may be able to be covered for less.
- Theft Prevention Discount – Cars with anti-theft systems can help prevent theft and will qualify for a discount on a Austin auto insurance quote.
- Discounts for Good Drivers – Drivers who avoid accidents may save up to 50% more than less cautious drivers.
- Save with a New Car – Adding a new car to your policy is cheaper compared to insuring an older model.
- Memberships – Joining a civic or occupational organization in Austin could trigger savings on your next renewal.
- Defensive Driver Discounts – Taking a class that teaches safe driver techniques may get you a small discount and easily recoup the cost of the course.
- Telematics Data – Drivers that enable data collection to scrutinize vehicle usage through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates as long as they are good drivers.
Just know that some credits don’t apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it appears it’s possible to get free car insurance, you aren’t that lucky.
Some of the insurance companies that may have these discounts include:
Before buying, ask every prospective company which discounts you qualify for. Discounts might not be offered everywhere. To choose insurance companies that offer the discounts shown above in Austin, click here to view.
Compare rate quotes but buy from a local Austin insurance agency
Many drivers still like to talk to an insurance agent and that is just fine! A nice benefit of comparing insurance prices online is you may find the best rates but still work with a licensed agent. Buying from local agents is still important in Austin.
After completing this simple form, your coverage information is instantly submitted to local insurance agents in Austin that can give you free Austin auto insurance quotes for your business. There is no need to find an agent because prices are sent to the email address you provide. You can find the lowest rates without the usual hassles of price shopping. If you need to get a comparison quote from a specific insurance provider, feel free to go to their quote page and fill out the quote form the provide.
Pick the best auto insurance agent in Austin for you
If you’re trying to find a local Austin insurance agency, you need to know there are two different agency structures and how they can quote your rates. Insurance agents in Austin are either independent agents or exclusive agents depending on their employer.
Independent Insurance Agencies or Brokers
Independent agencies do not have single company limitations so they can quote policies through many different insurance companies and get you the best rates possible. To move your coverage to a new company, the business is moved internally which makes it simple for you.
If you are comparing rate quotes, you will definitely want to get rate quotes from several independent insurance agents for maximum quote selection.
The following are Austin independent agents who can help you get free rate quotes.
Capitol City Insurance
8030 N Mopac Expy – Austin, TX 78759 – (512) 343-0280 – View Map
Independent Insurance Agents
1115 San Jacinto Blvd – Austin, TX 78701 – (512) 476-6281 – View Map
EZ Insurance Agency
343 S Congress Ave – Austin, TX 78704 – (512) 444-3279 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel write business for a single company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. They are unable to provide other company’s prices so they have to upsell other benefits. Exclusive agencies are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage.
The following is a list of exclusive agents in Austin that are able to give price quote information.
Karen Hall – State Farm Insurance Agent
7004 Bee Cave Rd #3 – Austin, TX 78746 – (512) 327-6200 – View Map
Stuart Nalewaik – State Farm Insurance Agent
1717 W 6th St #214 – Austin, TX 78703 – (512) 382-6019 – View Map
Allstate Insurance: Richard Harper
1807 W Slaughter Ln Ste 400 – Austin, TX 78748 – (512) 292-7410 – View Map
Deciding on a car insurance agent is decision based upon more than just the bottom line cost. Any good agent in Austin should know the answers to these questions.
- Do they have cheaper tiers of coverage?
- Do the companies they represent have a solid financial rating?
- Is there a 24/7 contact number?
- If independent agents, which companies do they recommend?
- Are all drivers listed on the coverage quote?
- Do they have a Better Business Bureau rating in Austin?
- Do they have designations such as AIC, CPCU, or CIC?
If you feel you receive reasonable responses for all questions you ask and an affordable coverage quote, you may have just found a car insurance agent that can insure your vehicles. Just understand that it’s your coverage and you can terminate your policy whenever you choose to so never feel that you are obligated to a specific company indefinitely.
The insurance bait and switch
State Farm and Allstate continually stream ads in print and on television. They all seem to tend to make the same promise that you’ll save big if you just switch your policy. How do they all say the same thing? This is the trick they use.
Insurance companies offer their best rates for the type of driver they prefer to insure. For instance, a profitable insured should be between the ages of 30 and 50, has never had a policy lapse, and drives less than 7,500 miles a year. Anybody who matches those parameters will get low prices and therefore will save when switching.
People who don’t measure up to these standards will get a higher rate which translates to the prospect going elsewhere. If you pay close attention to the ads, they say “customers that switch” not “everyone that quotes” save that much. This is how insurance companies can confidently lure you into getting a quote.
This really drives home the point why it is so important to quote coverage with many companies. Because you never know the company that will have better rates than you’re paying now.
Cover all your bases
We just presented some good ideas how you can save on Oldsmobile Silhouette insurance in Austin. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even be surprised to find that the biggest savings come from a small mutual company. These smaller insurers may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.
As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. In many instances, someone sacrificed uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. The proper strategy is to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.
Budget-conscious Oldsmobile Silhouette insurance is available online and also from your neighborhood Austin agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers don’t offer the ability to get a quote online and these small, regional companies only sell through independent agents.
Helpful resources
- Things to Know Before you Cancel Insurance (Allstate)
- Who Has Cheap Auto Insurance for a Ford F-150 in Austin? (FAQ)
- What Insurance is Cheapest for a Toyota RAV4 in Austin? (FAQ)
- Who Has Cheap Car Insurance for a GMC Acadia in Austin? (FAQ)
- Who Has Cheap Austin Auto Insurance Quotes for a Chevrolet Silverado? (FAQ)
- Who Has Cheap Auto Insurance for Hybrid Vehicles in Austin? (FAQ)
- What Car Insurance is Cheapest for Drivers Under 21 in Austin? (FAQ)
- Distracted Driving Statistics (Insurance Information Institute)
- Insuring a Leased Car (Insurance Information Institute)
- Choosing an Insurance Company (Insurance Information Institute)
- Understanding Rental Car Insurance (Insurance Information Institute)