Car insurance in
Austin, Texas
Get great protection with the right insurance in Austin, TX
Affordable, reliable car insurance in Austin, TX
The capital of Texas, Austin is well known for its live music scene, offbeat culture, and abundance of outdoor activities. It is located in the southeastern part of the state, on the Colorado River. The city was founded in 1839 by Stephen F. Austin, and it quickly grew as a major center for government and education.
Today, Austin is a major center for technology, music, and culture. It is home to a number of Fortune 500 companies, including Dell, Indeed, and Whole Foods Market. Austin is also known for its live music scene, and it is home to the South by Southwest (SXSW) festival, which is one of the largest music, film, and interactive media festivals in the world.
Some popular tourist attractions in Austin include:
- The University of Texas at Austin: This is the flagship university of Texas, and it is home to a number of museums and cultural institutions.
- The Texas State Capitol: This is the seat of government for the state of Texas, and it is a popular tourist destination.
- The Austin City Limits Music Festival: This is a music festival that takes place every year in Austin, and it is one of the largest music festivals in the United States.
- The Barton Creek Greenbelt: This is a popular hiking and swimming area located just outside of Austin.
Whether you’re traveling to one of the city’s 250 live music venues, or taking a road trip though Texas Hill Country, you’ll want to make sure you have car insurance that protects you in case of an accident. Good car insurance can help pay for repairs to your car, as well as medical expenses of people injured in an accident.
When it comes to car insurance, every state has different requirements. Make sure your car insurance meets Texas’s insurance requirements. Visit our Texas car insurance page for more details on coverage requirements. Elephant offers competitive car insurance rates and great service through the Elephant mobile app, online quote, online agent chat or over the phone.
Get your personalized car insurance quote today.
Get a personalized car insurance quote in Austin, TX.
No matter where you’re going or what you’re doing, it’s important to have good car insurance to protect yourself in case of an accident.
Here are some tips for looking for car insurance:
- Make sure you understand the terms of your policy before you sign it.
- Consider getting additional coverage, such as collision and comprehensive insurance to get the protection you want.
- Review your policy regularly to make sure it still meets your needs.
By following these tips, you can find the best car insurance for your needs.
Factors affecting car insurance rates
There are many factors that can affect car insurance premiums, including:
- Your age: Younger, inexperienced drivers are generally considered to be higher risk drivers and may pay more for insurance.
- Your driving record: Drivers with a clean driving record will typically pay less for car insurance than drivers with a history of accidents or traffic violations.
- Your car: The make, model, and year of your car affect your car insurance premiums. Cars that are more expensive to repair or replace may have higher premiums.
- Your location: The cost of car insurance varies from state to state and even from city to city. Drivers in urban areas typically pay more for car insurance than drivers in rural areas.
- Your deductible: The higher your deductible, the lower your monthly premiums will be.
- The type of coverage you choose: The more coverage you choose, the higher your premiums will be. However, it’s important to have enough coverage to help protect yourself financially in the event of an accident.
How does your vehicle affect your car insurance?
Car insurance discounts
Drivers can take advantage of the many car insurance discounts offered by Elephant including:
Tips for finding affordable car insurance
Consider a higher deductible. A higher deductible will lower your monthly premiums. However, you will have to pay more out of pocket if you file a claim. You may want to check lienholder requirements if you have a loan/lease as well.
Bundle your car insurance with other policies. Many insurance companies offer discounts for bundling your car insurance with other policies, such as homeowners or renters insurance.
Multi-policy discountBundling insurance 101
Take advantage of discounts. Most insurance companies offer discounts for things like good driving records, anti-theft devices, and completing a defensive driving course.
Drive less. If you work from home, Elephant offers the Work From Home DiscountTM because you’re driving less.
More questions about car insurance?
How can I lower my car insurance rates?
+
Here are some tips on how to lower the price of your car insurance:
- Maintain a good driving record. Your driving record factors into the price of your car insurance. If you have a clean driving record, you’ll likely get a lower rate.
- Increase your deductible. This is the amount of money you have to pay out of pocket before your insurance company will cover a claim. Increasing your deductible can save you money on your premiums but means you will pay more out of pocket if you file a claim. Your lienholder may have requirements for your deductible.
- Bundle your insurance policies. If you have multiple insurance policies with the same company, such as homeowners insurance or renters insurance, you may be able to get a discount on your car insurance.
- Get a multi-car discount. If you insure more than one vehicle on your policy with Elephant, you’ll get a multi-car discount.
- Pay your premiums in full. You can qualify for Elephant’s paid in full discount by paying most or all of your policy premium up front.
- Get a safe driver discount. Safe driving adds up to extra savings with our claims free discount.
Are there any additional coverage options I should consider for car insurance?
+
In addition to the required car insurance coverage in Texas, you could consider adding the following coverages for expanded financial protection.
- Collision coverage: This type of coverage pays for the damage to your own car if you are in an accident. It’s not required by law in Texas, but it’s often required by lenders if you finance the purchase of a new car.
- Comprehensive coverage: This type of coverage pays for the damage to your own car if it’s stolen or damaged by something other than a collision, such as fire, theft, vandalism, or hail. It’s not required by law in Texas, but it’s often required by lenders if you finance your car.
- Rental reimbursement coverage: This type of coverage can help pay for the cost of a rental car if your car is in the shop for repairs after an accident. It’s not required by law in Texas, but it can be a good idea to have, especially if you need your car for work or other essential activities.
- Loan/lease payoff coverage: This type of insurance can help pay toward a remaining balance owed on a loan or a lease after a vehicle is declared a total loss. It’s not required by law in Texas, but it can be a good idea to have if you have a large car loan or if your car is close to being paid off.
- Roadside assistance: This coverage can provide you with roadside assistance services, such as towing, jump starts, and lockouts. It’s not required by law in Texas, but it can be a good idea to have, to help get you back on the road sooner.
Can I transfer my car insurance policy to a new vehicle?
+
If you’re an Elephant policy holder, it’s best to promptly add your new car to your policy through your online account, the Elephant mobile app or by calling to speak to a representative. While your Elephant policy can offer temporary protection, some add-on coverages like roadside assistance may not automatically extend to your new vehicle. You will need to adjust your coverage to get the protection you want for your new car. For uninterrupted coverage, check your policy for rules around adding your new vehicle to your policy.
If you don’t have an existing auto policy, you can find competitive rates for car insurance in Austin, TX from Elephant Insurance. Start your auto insurance quote anytime.
Get car insurance quotes in Austin, TX
Find competitive rates and highly rated customer service for car insurance in Austin, TX from Elephant Insurance. Start your online Texas auto insurance quote anytime. It’s quick and easy.
Get an auto quoteCoverage Wizard