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Austin Auto Insurance

CALL US TODAY . (512) 454-5266 . for questions or a new policy.

Personal Automobile Policy

Most of our companies offer various types of coverage not offered on the standard automobile policy.  Some of examples of this coverage are as follows:

Emergency Expense Coverage

This coverage could pay up to $1,000 for all of you reasonable expenses such as temporary housing, travel expenses for you to get home, cost to return your covered automobile to your home or place of garaging except in the case of a total loss.  No deductible will apply to Emergency Expense Coverage.  Receipts are required to verify your reasonable expenses. 

Renewal Assurance  

Some of our companies offer the assurance that your policy will be renewed providing your policy has been continuously in force with that company for at least twelve months, if you pay your renewal premium when due, your license has not been suspended, you can provide medical proof that you are a safe operator, and have not been convicted of any drug or alcohol related offense. 

Accident Forgiveness

Some companies we represent offer accident forgiveness with various conditions that apply.  For example, one company requires that the accident was the first chargeable accident in the past three years.  While another company requires that the policy holder has had no chargeable accidents in the prior five years or any major traffic violations.   

Diminishing Deductible

The diminishing deductible endorsement offers safe drivers a $100.00 credit to their deductible annually.  Customers will earn a $100.00 credit upon purchase of the policy with the endorsement.  Every year you remain accident and/or major violation free without a lapse in coverage you will receive an additional $100.00 credit up to a maximum of $500.00 toward your comprehensive and collision deductibles.   In some policies the entire deductible is waived in the event of a total loss. 

Personal Automobile Coverage Information

In the state of Texas Automobile insurance covering liability for injury and property damage is required.  The current state required limits are $25,000/$50,000/$25,000.  This covers the policy holder for $25,000 for bodily injury per person with a maximum of $50,000 of bodily injury coverage per accident.  The last coverage amount, $25,000, is the maximum amount the insurance company will pay for property damage.  This includes the damage done to another vehicle or damage to property of others.  It is always a good idea to consider purchasing limits of liability higher than the state required limits.  There are many vehicles on the streets in Texas with values in excess of $25,000.  The state required limits are just not adequate.  It is likely that if you were at fault in an accident and injured one or more people in another vehicle the $25,000 required bodily injury limit could be used up very quickly by the injured party.  Higher limits will not only offer piece of mind, but also an additional feature is that the insurance company provides their lawyers at their expense and the limits you have purchased will be completely available to use for settlements or judgments.  

Uninsured/underinsured Motorist Coverage in Austin is another valuable coverage option.  Approximately 25-35% of the vehicles on the roads on Austin, Texas have no liability insurance. This coverage will provide protection if you and your passengers are injured in an accident caused by a driver with no insurance or carrying inadequate limits of liability insurance. This coverage will also apply to damage to your vehicle in the event of an accident.
It is also wise to be sure that your automobile insurance company is one that is financially sound and will be there when needed.  An independent insurance agency can always help you determine the financial rating of your insurance carrier.

Rental Reimbursement is an affordable yet important coverage option to consider.  The cost of renting a vehicle could easily be greater than the minimum limits you have on your insurance policy, if you have this coverage at all.   Due to the high cost of rental vehicles we recommend that it be carried in limits higher than the $20 per day minimum.

It is important to shop your Automobile Insurance every few years to make sure you are getting the best rate and coverage available.  As an independent agent we shop insurance for our customers each year to find them the best rates available.  As a member of the Combined Agents of America we have access to more insurance companies than the average independent agent.  Another way to make sure you are getting the best rate available is to make sure you are getting all of the credits you qualify for.  Most insurance companies offer many different discounts on automobile insurance.  When getting an insurance quote check to see if you qualify for a multicar credit, an antitheft protection credit, a defensive driving credit, a safe driver discount, or an early quote discount.  If you have a young driver on your policy they may be eligible for the good student discount, the driver training credit, or the distant student discount.  However, to receive the greatest discount on your automobile insurance you should have both your home and auto insurance written with the same company.

Providing clients with Home, Auto, Farm, Flood, Mobile Home, General Liability, Umbrella, Workers Compensation, and Business Insurance throughout Texas, including:  Austin, Pflugerville, Round Rock, Georgetown, Hutto, Taylor, Cedar Park, Leander, Liberty Hill, Buda, Kyle, Elgin, Cedar Creek, Manor, Bastrop, Dripping Springs, Del Valle, and Lakeway.

Austin Package Insurance Policy by Ed Weeren Insurance Agency, Inc.