Auto Insurance Austin – Anyone who plans to move to Texas should be prepared with Auto Insurance Austin since each driver in this state is required to have auto insurance. This requirement is sensible since Austin, Texas is included into very busy, metropolitan city that is currently expanding and growing rapidly. With a lot of people are commuting and traveling in a long distance by car, the need to auto insurance becomes urgent.
So, it becomes obligatory for you to purchase auto insurance in Austin. However, before you make your final choice, you need to understand several things that can be used as tips while you are looking for auto insurance in Austin, Texas and save amount of money.
Minimum Requirement of Auto Insurance in Texas
Living in Austin, Texas is required to carry the minimum requirement of auto insurance. Each driver has to purchase bodily injury liability coverage with $30,000 for injured person and $60,000 for each accident.
There is an increasing amount of liability coverage, namely$5,000 or 20% and the minimum liability coverage for each accident has also increased $10,000 or 20%.
Meanwhile, auto insurance Austin coverage of property damage liability has not changed. It is $25,000 and State of Texas does not require you to have PIP (Personal Injury Protection) and UM/UIM (Uninsured Motorists and Underinsured Motorists) for bodily injury coverage.
How to Get Safety and Security Discounts
Even though there is an increase of the minimum requirement, each driver is eligible to get discounts. So, you have to be alert on this and begin to consider installing these safety and security features on your car.
Discounts will be available for those who have a car installed with driver and passenger air bags. it is very unfortunate that most residence in Austin do not have front or side air bags for either driver or passengers.
However, this feature has come in a lot of standard car like Beetle and new Volkswagen. Have you got this on your car?
Then, be sure to have belt passive restraints on your car to get auto insurance Austin discounts. These are safety devices on your car that includes automatic seatbelts systems and sliding door-mounted belt systems.
Furthermore, you also need to install anti-lock brakes and auto-daytime running lights. Perhaps, those two safety features have been equipped on many cars. Be happy that you do not have to get them installed to be eligible for the discounts.
You will need security features in your car to be eligible for auto insurance Austin discounts. This includes several features, such as steering-wheel locking bar, automatically-armed car alarm, manually-armed car alarm, vin window glass etching and lo-jack auto recovery system.
However, you may find that even though you have installed those security features, the company you choose may not give you discounts. Well, it is normal since not all insurance companies give you discounts by only having those features.
Discounts of auto insurance companies Austin will be given for drivers with excellent driving record. Most insurance companies will primarily take into account your current driving record.
If you never have a car accident for period of time, the company will consider you as low risk drivers that do not require high policies to insure you. Then, you will get lower insurance policies.
Besides, to get the discounts, you should have clean speeding tickets. Be sure you are a safe driver by showing that you do not violate the traffic regulations and do not have speeding ticket.
You have points, wait until the points are about to disappear. You will be surprised how much money you can save with clean speeding tickets.
In short, purchasing auto insurance Austin requires consideration about the liability coverage you want to have. Discounts will lower the insurance policies if you are eligible to get them.