Finding lower premiums on Round Rock auto insurance is a challenge for consumers new to comparison shopping online. You have so many companies to choose from that it can easily become a real hassle to locate the lowest price in Round Rock.
Finding Auto Insurance Deals in Round Rock, TX
Comparing auto insurance rates can be challenging if you aren’t aware of the fastest way to get free quotes. You can waste hours talking about coverages with local insurance agents in Round Rock, or you can stay home and use online quotes to accomplish the same thing much quicker.
Many of the larger companies belong to an insurance system where prospective buyers enter their coverage request one time, and at least one company then returns a price quote for coverage. This saves time by eliminating quotation requests to each individual auto insurance company.
To find out what other companies charge click here (opens in new window).
The only drawback to comparing rates this way is you don’t know exactly which carriers to get quotes from. If you prefer to choose from a list of companies for rate comparison, we have assembled a list of low cost auto insurance companies in Texas. Click here to view list.
Whichever way you use, ensure you are comparing identical information for every company. If the quotes have different values for each quote then you won’t be able to determine which rate is truly the best in Round Rock.
Don’t be fooled by advertising claims
Texas consumers get pounded daily by advertisements for car insurance savings from companies such as State Farm, GEICO and Progressive. They all seem to make the same claim about savings after switching your policy.
How do they all make almost identical claims?
All the different companies can use profiling for the type of customer they prefer to insure. A good example of a profitable customer might be over the age of 40, owns a home, and drives newer vehicles. A driver that hits that “sweet spot” receives the best rates and therefore will cut their rates substantially.
Drivers who fall outside the “perfect” profile will be quoted higher rates and ends up with business not being written. The ads state “customers that switch” not “everyone that quotes” save money. That’s the way companies can truthfully state the savings.
This emphasizes why it is so important to compare as many rates as you can. You cannot predict which company will give you the biggest savings.
Pay less by taking advantage of discounts
Insuring your vehicles can cost a lot, but there are discounts available that you may not know about. Some discounts apply automatically at the time of quoting, but a few must be inquired about before you will receive the discount. If you aren’t receiving every discount you deserve, you are throwing money away.
- Good Students Pay Less – Performing well in school can get you a discount of up to 25%. The discount lasts until age 25.
- Homeowners Savings – Owning a home in Round Rock can save you money because maintaining a house is proof that your finances are in order.
- Safe Driver Discount – Insureds without accidents may save up to 50% more than drivers with accident claims.
- Distant Student – Youth drivers who live away from home and do not have a car may qualify for this discount.
- Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could save 15% off your medical payments premium.
- Multiple Cars – Buying coverage for all your vehicles with the same company can get a discount on all vehicles.
- Accident Forgiveness – Certain companies will forgive one accident without raising rates if you are claim-free prior to the accident.
- Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
- Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
- Federal Government Employee – Active or retired federal employment can save as much as 8% with a few auto insurance companies.
It’s important to note that most credits do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, auto insurance companies aren’t that generous. But any discount will reduce the amount you have to pay.
To see a list of insurers with discount auto insurance rates in Round Rock, click this link.
Buying auto insurance from a local agent
Some consumers prefer to visit with an insurance agent and that is a personal choice. Educated insurance agents can help determine the best coverages and help in the event of a claim. One of the great benefits of getting online price quotes is you can get the best rates and still choose a local agent. And providing support for local insurance agencies is definitely important in Round Rock.
For easy comparison, once you complete this form (opens in new window), your insurance data is instantly submitted to agents in your area who will battle for your coverage. You won’t need to leave your computer as quotes are delivered to your email. How cool is that?!
What types of car insurance agents are in Round Rock?
When searching for a good insurance agency, there are a couple of types of agencies from which to choose. Round Rock agents are categorized either captive or independent (non-captive). Both insure your vehicles, but it’s worth mentioning the difference between them since it can impact your selection of an agent.
Independent Agents (or Brokers)
Independent insurance agents do not work for one specific company so they can insure your vehicles with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to find a new agent.
When comparing rates, we recommend you include price quotes from at least one independent agent to get the best comparison.Most can insure with lesser-known insurance companies which can be an advantage.
Shown below are Round Rock independent agencies who can help you get comparison quotes.
- Jaecks Insurance – 1000 Heritage Center Cir – Round Rock, TX 78664 – (512) 238-3147
- Hilton Jr Farmers Agency – 2801 Oakmont Dr # 1000 – Round Rock, TX 78664 – (512) 345-7599
- Insurance Network Of Texas – 896 Summit St # 100 – Round Rock, TX 78664 – (512) 244-1779
- David Morris Agency – 206 W Main Ave – Round Rock, TX 78664 – (512) 238-9355
Captive Insurance Agents
Captive agencies are contracted to one company like Allstate, Farmers Insurance, State Farm and AAA. They are unable to compare other company’s rates so they are skilled at selling on more than just price. They are usually quite knowledgeable on their company’s products which can be an advantage. Some people will only buy from captive agents primarily because of high brand loyalty and strong financial ratings.
Below are captive insurance agents in Round Rock that are able to give rate quotes.
- Allstate Insurance – 16333 S Great Oaks Dr # 145 – Round Rock, TX 78681 – (512) 218-8595
- State Farm Insurance – 200 W Main Ave – Round Rock, TX 78664 – (512) 255-7677
- Liberty Mutual Insurance – 2000 S I H 35 # K2 – Round Rock, TX 78681 – (512) 244-3391
For a full directory of Round Rock captive insurance agencies, click here to link.
Deciding on a car insurance agent should depend on more than just the bottom line cost. Any agent should have no problem answering these questions:
- Is the agency involved in supporting local community causes?
- What insurance companies do they recommend if they are an independent agent?
- Do they feel the quoted coverages are adequate?
- Do they have any clout with companies to ensure a fair claim settlement?
- Do the companies they represent have a solid financial rating?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
After receiving positive feedback to all your questions in addition to an acceptable price estimate, you have narrowed it down to an insurance agent that will provide auto insurance coverage.
Additional auto insurance information is located on the Texas Department of Insurance website found here. Texas drivers can learn about insurance regulations, report car insurance fraud, view agent and company licensing information, and learn about specific coverages.
Buy online or local, you save
Insureds leave their current company for many reasons like extreme rates for teen drivers, not issuing a premium refund, delays in paying claims or high prices. Whatever your reason, switching companies is pretty easy and you might even save some money in the process.
We covered some good ideas how to reduce auto insurance prices online. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest priced auto insurance comes from a smaller regional carrier.
When you buy insurance online, make sure you don’t buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice liability coverage limits and discovered at claim time that it was a big error on their part. Your focus should be to purchase plenty of coverage at the best price while still protecting your assets.