As Texas’s capital, Austin has become a major commercial and population center. However, as the population has increased, Austin has also become known for its traffic congestion. There are plenty of accident risks around, and all drivers must use extra caution behind the wheel.
Part of being a responsible driver means getting the right auto insurance. Still, your policy should never break the bank. Auto Insurance Discounters will be there to help you find optimized coverage that always offers savings.
Why Choose Us?
You drive a unique vehicle, and you shouldn’t have to get a cookie-cutter policy when insuring it. Auto Insurance Discounters will be your partner when it comes to finding the right coverage for you. As a full-service agency, we offer standard auto insurance, SR-22 services and motorcycle insurance for residents of Austin and beyond.
Which Type of Auto Insurance Do I Need in Austin?
will help you get financial help following unexpected, unavoidable problems with your vehicle. Policies can offer coverage like:
Comprehensive coverage—If your car sustains damage from hazards like fire, theft, vandalism, hail, falling objects or water, this coverage will help pay for the damage.
Collision coverage—Damage to your car from wrecks or collisions with stationary objects will be covered under collision insurance. This coverage is separate from comprehensive coverage.
Liability coverage—As an at-fault state, Texas requires drivers who cause accidents to pay for the damage of all involved parties. Liability insurance can pay for third-party injuries (e.g., injuries to other drivers, their passengers or pedestrians) or property damage.
Uninsured/underinsured motorist (UM/UIM) coverage—If another driver is at fault for a wreck, there still is a chance they will not have liability coverage. UM/UIM coverage will help pay for damages or injuries sustained in an accident using your own policy, but you will not be penalized for fault.
Medical payments coverage—This coverage pays medical expenses and other costs if you or your passengers are injured in an accident, no matter who is at fault.
Other coverage that may be available includes:
You can rely on Auto Insurance Discounters to guide you through selecting suitable types and amounts of coverage for your vehicle.
Am I Required to Buy Auto Insurance in Texas?
All Texas drivers are required to carry at least the following coverage:
If you finance your vehicle at the time of purchase, you may also be required to carry collision, comprehensive, gap or other physical damage coverage.
How do I Insure a Motorcycle in Austin, TX?
must be insured under motorcycle insurance—not standard auto insurance. You can receive collision, comprehensive, liability, UM/UIM motorist and other familiar coverage within your customized policy.
Specific coverage you may also be able to add to your motorcycle policy includes:
Trailer damage coverage
Aftermarket/custom equipment coverage
Trip interruption coverage
Safety equipment coverage
Auto Insurance Discounters can help you get optimized motorcycle insurance alongside your existing auto insurance. Bundling options are available, which can help you unlock maximized savings.
I Have an SR-22 Requirement. What Does This Mean?
Texas requires some high-risk drivers to carry a Financial Responsibility Insurance Certificate (SR-22). The SR-22 may be required if you have been convicted of driving uninsured or have had your driving privileges suspended. The SR-22 will verify for the Texas Department of Public Safety (TxDPS) that you carry at least the minimum 30/60/25 liability coverage.
You will request the SR-22
from your insurer, and you can only return to the road after you file the SR-22 with the TxDPS. The SR-22 will remain active for two years. The insurer will alert the department if you let your auto policy lapse while you have the SR-22. Further penalties may result from a lapsed SR-22.
One drawback to SR-22s is that they can sometimes lead to higher auto insurance rates. However, with the help of your Auto Insurance Discounters agent, you will still get the best savings from your policy.
Get Started Today
It's too great a risk to drive without having the right auto, motorcycle or SR-22 protection behind you. Call us today at (866) 288-6545 or fill out an online quote form to get started now!