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How to pay less for your Austin car insurance.
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By: Kade Phillips, contributing writer at Kanetix.com.

For Drivers in Austin, there is no way around the fact that you have to have basic auto liability insurance if you wish to drive. In fact, in most cases, you will likely regret not getting coverage beyond the mandated minimums, as a serious accident could severely impact your financial well being if you are unprepared insurance wise.

Auto insurance in Austin can be a costly affair, especially if you don't take the time to compare your auto insurance options. Surprisingly, most people settle for the first quote they get, usually through a referral from a friend or relative, for the car insurance company that they use. This is not the best way to get the best deal on the automobile insurance coverage that you need for driving in Austin and elsewhere. 

Depending on your age, driving history, and a combination of other factors, a typical car insurance policy in Austin will likely cost many hundreds of dollars per year and possibly much more. The only thing to do, if you wish to get not only the right coverage, but the best price for that coverage, is to shop around. Fortunately the auto insurance market is highly competitive and there are lots of car insurance companies competing for your insurance business in Austin. 

Having said that, what should you look for when buying your first policy or shopping around for a new one? Here are some hints and tips that could help drivers in Austin realize some savings when it comes to that costly necessity called auto insurance.

1. Take a good look at your collision and comprehensive deductibles. Increasing your deductibles is a great way to lower your premiums. Just don't make it so high that the cost of repair cripples you financially if you should have to submit a claim through your auto insurance policy.
2. Decide on what coverage you really need. Although it may be tempting to purchase only the minimum state required mandatory auto insurance because you could save money, it's usually not the wisest choice. Medical payment insurance, uninsured motorist, collision, and comprehensive insurance are not mandatory in all states, so give some thought to what is essential and what may be unnecessary for your particular needs. 
3. Consider the automobile that you drive. If you're shopping for a new car or will be in the future, consider that different makes and models can have vastly different auto insurance rates. The cost of parts and repairs of the vehicle you own can greatly impact the cost to insure the vehicle. Also, sports cars and high performance cars tend to attract more theft and vandalism, and statistics indicate a higher accident rate than lower profile automobiles like family sedans and station wagons.
4. Make it tough on thieves and vandals. Parking your car in a locked garage may entitle you to a discount on your auto insurance premium, as could installing anti-theft devices like car alarms and/or an auto tracking system. 
5. Think safety. Demonstrating your concern for auto safety by owning a car with airbags, anti-lock brakes and things like automatic seat belts can also favorably impact your auto insurance premium. Not to mention saving your life and helping to prevent serious injury to yourself and your passengers if you're ever in an auto accident.
6. Consider buying more than one type of insurance from the same company. If you have other property to insure, such as a house, other automobiles, or a business in Austin or elsewhere, it may be worth your while to talk to your insurance company and inquire about a multi-policy discount. 
7. Pay your bills on time and look after your credit rating. Many auto insurance companies factor your credit history into the mix when determining your auto insurance premium. Your credit rating is such an important aspect to so many modern day transactions, that it only makes sense to keep it looking good if it already is and take steps to improve it if it's not so good.

The most important advice you could get on saving money on your auto insurance in Austin, Texas, is something that has already been mentioned, but is so important, that it bears repeating. Don't settle for the first quote you get. The Internet is a wonderful place to quickly compare auto insurance quotes. Take a moment to do a little research. You may be very pleasantly surprised with the savings you could discover with a small investment of nothing more than a little bit of your time.


Kade Phillips is a contributing writer at Kanetix.com,
Serving Austin car insurance quotes / Auto insurance quotes Austin.
For the Car Insurance Austin needs, visit Kanetix for Free Quotes.



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