Auto Insurance is a necessity that every auto owner is required to purchase. The options vary widely and can be confusing. Follow these tips for choosing auto insurance in Austin TX to help navigate the wide array of options available.
Decide the amount of coverage needed – In Texas, the law requires all vehicle owners to carry liability insurance with at least $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. If the vehicle has an outstanding loan on it, the lending institution may require a certain amount of insurance on the vehicle. The lending institution will share these requirements when the loan is obtained.
* Know your driving record – A driver should check their legal driving record before shopping for auto insurance. A bad driving record will increase the cost of insurance. Speeding tickets and points on a license are red flags for insurance companies. They put the driver at a higher risk for accidents and insurance companies see them as a reason to up the cost of the policy.
* Search for competitive quotes – Before choosing insurance, drivers should gather quotes from multiple agencies. Many companies make it simple to obtain a quote for coverage. For a number of companies, a simple form online and about 15 minutes is all that is required. Rates can vary from company to company so it is important to obtain more than one quote. Some companies may quote per month while others quote per year for Auto Insurance in Austin TX.
* Check out the Insurance Company – Before signing a policy, review the reputation of the insurance company. Websites such as www.consumerreports.com can assist in this task. A fair, reputable insurance company will save a driver money in the long run. Having an insurance company that is reliable and trustworthy will make all the difference in the event of an accident.
* Pick the Policy – After reviewing the options, pick a policy that meets at least the legal requirements and provides reliable service. After signing the policy, a driver must carry proof on insurance in their vehicle. In the event of an accident or a traffic stop the police will request this information.
Contact Patrick Court of State Farm in Austin, Texas for assistance in choosing a policy. State Farm is a trusted company with over 80 years of experience in the auto insurance industry.