The better you drive, the more you save with our Progressive Snapshot Discount, our revolutionary usage-based insurance program. Sign up today during your auto quote, and we’ll send you everything you need to start saving.
Plug in. The Snapshot device plugs easily into your car’s diagnostic port (usually below the steering column) and automatically keeps track of your good driving.
Drive. Drive like you usually do for 30 days and go online to see your projected savings, as well as:
how often you slam on the brakes;
how many miles you drive;
and how often you drive between midnight and 4 a.m.
Get a personalized rate. Any Snapshot discount you earn kicks in immediately. So, you can start saving right away! Then, you’ll stay plugged in for five more months to set your ongoing renewal discount.
Why not try it? Switch to Progressive today and start Snapshot as a customer. Or, take a 30-day test drive first; then, decide if you want to switch. Either way, Snapshot is free, and it won’t increase your Progressive rate. Call our local agent today for more information.
Take the Progressive Snapshot Test Drive, then decide if you want to switch
Take the Progressive Snapshot Test Drive for 30 days for an opportunity to earn up to a 30% discount on your auto insurance based on your safe driving habits.
PLUG IN
Preview your projected discount after plugging in the Snapshot device, and watch as it evolves based on your latest driving.
GET UPDATES
See how often you slam on the brakes, how many miles you drive each day, and more.
SHARE
Discover the best driver in your household … and shout it out to your social networks!
See SAVINGS!
See your personalized Progressive rate and decide if you want to switch your insurance.
It will cover the difference between what your car is worth and what you still owe on the car. If your car is totalled to the point that repair costs are more than the car is worth, or if it’s stolen, gap insurance covers the difference between the market value of the vehicle and your outstanding loan.
How does gap insurance work?
Let’s say you buy a new car for $20,000 and it’s involved in an accident and totalled.
Your insurance company will determine the value of your vehicle at the time of the loss and they will only pay you that amount less your deductible.
If the market value is less than the amount that you still owe on the car, gap insurance would pay the difference between what collision insurance covers and what you owe on the car. If you did not have gap insurance, the extra would come out of your pocket. (Also, if your insurance company determines that your deductible applies, that money will come out of your pocket, gap insurance won’t cover it.)
Gap coverage for lessors:
If you are leasing a vehicle, even though you aren’t buying it outright, you are still responsible for the cost of the car if it is stolen or totalled. Because lease payments are significantly lower, the difference between what you have paid and the value of the car can be huge, so gap insurance is much more critical for a lease and many lease contracts require it.
Gap insurance for buyers:
For buyers, this will only be necessary if you expect to owe more on the car than what it’s worth. If you made a low down payment, or if you bought a car that depreciates quickly, or if you have a high interest rate or if you rolled over other costs, like money owed on a trade-in into your new-car payments, having gap insurance makes alot of sense. Most buyers, however, especially those who made a high down payment, will always be right-side-up on the car, and therefore they don’t need the extra coverage.
Who should buy gap insurance?
If you are leasing a car or you expect to owe more than your car is worth for a significant amount of time, you should consider purchasing this valuable coverage.
Who should not buy gap?
If you have arranged your down and monthly payments to make sure you will not be “upside down” on your loan for any significant period of time, there is no need to buy it.
Likelihood the vehicle will be stolen or vandalized.
Cost to Repair the vehicle after collision. Significant safety features may protect a driver and passengers better, but the more safety features a car has, the more it costs to repair.
Amount of injury or damage the vehicle can cause to others. For instance a light car may not protect the driver or passengers as well as a heavier car in an accident. Resulting in more injury claims.
Likelihood people inside the vehicle will be injured in an accident.
Here’s a must-read for you:
10 hours. That’s how long (on average) people spend doing research before buying a new car, according to a study conducted by Harris Interactive.
Save some time by reading our quick-reference guide to:
“How does my car affect my insurance rate?”
While you probably won’t choose a car solely based on how much it costs to insure, knowing this might help you make the final call.
(Tip: The only way to really be confident in your insurance costs, get quotes for each of the vehicles you are considering to find which one will be the least expensive to insure.)
Austin Insurance Group | Local Texas Auto Insurance Agent | (512)339-2901 | How Does My Car Affect My Insurance Rates?
An Independent insurance agent combines personal service and professional advice with Progressive’s low insurance rates plus superior claims service.
Why buy from an Austin independent insurance agent?
•Independent insurance agents offer knowledgeable advice and guidance for all your insurance needs. Auto, home, life, business, or another type of insurance.
•An independent insurance agent will customize insurance policies to suit your individual needs.
•Independent insurance agents can compare quotes from several competing insurance companies, including Progressive. This gives you the option to compare prices and coverages, and then choose the combination best suited for your needs.
Austin Insurance Group, your local Austin Independent Progressive Insurance Agent, lives and works in your community, we understand the types of things that affect your life and your home, life and auto insurance needs. We value the relationship that we build with you, and will work to serve your best interests.
Austin Insurance Group | Local Texas Auto Insurance Agent | (512)339-2901 | Austin Independent Progressive Insurance Agent
Before you buy a trampoline, here are some facts you should know about Texas home insurance trampolines.
1. Trampolines are dangerous.
Insurance companies do not want to insure a homeowner that owns a trampoline, because they are dangerous. If you own one, you should consider getting rid of it. They are extremely dangerous. Look up trampoline injuries on the internet. Most injuries include broken teeth, broken bones (repaired w/ pins and plates). These are major and very expensive injuries. Some injuries also include fractured spines, fractured coccyx, paralyzation, even death. There is a reason insurers won’t insure people with trampolines, they have HIGH claims payouts.
A trampoline is just an accident waiting to happen. It’s not “if”… it’s “when.”
2. Trampolines may not be covered under your Texas Home Insurance
Coverage depends on what state you live in. It also depends on which company insures your home. Most companies in Texas will not insure you if you own a trampoline. Or they will cancel or non-renew your home insurance when they find out that you have one. And when you purcase home insurance, without disclosing the trampoline, if something does happen and you file a claim related to the trampoline, the insurance company will most likely cancel your policy once the claim has been settled unless it’s something that is covered. If any member of your household gets injured on the trampoline, your homeowner’s insurance will not cover it.
The best way to find out if trampoline injuries are covered on your policy and whether their will be a premium increase or cancellation, is to contact your carrier or agent. Whatever they tell you, you should confirm their statements in writing just in case it is ever an issue in the future.
3. Why would a Trampline affect your rates?
Basically the insurance companies do not want to cover potentially dangerous risks around your home. It’s a liability issue. Since trampoline injuries are a common reasons for emergency room visits in the US, you can see why some companies would shy away from this type of coverage. Trampolines are the second highest claim cause, and the highest claim dollars paid out.
If you cannot afford your insurance premium because you have a trampoline, you may want to consider removing it from your property.
4. Legal issues regarding trampolines.
If you decide to get one — we would recommend not letting anyone, who is not a resident of your household, use it.
When they use it and get hurt, they could sue you. You can be held responsible for their injuries (especially minor children). If you want to let others use it, I’d recommend you see a lawyer. Pay him to draw up a waiver and have the person who wants to use the trampoline sign the waiver. If a minor wants to use the trampoline, have both of their parents sign the waiver. Then keep the waivers on file. The waiver might help if you get sued when a person hurts themselves, but there is no guarantee. A lawyer can tell you better if this would help.
Even if you have all of the waivers signed by people you KNOW will be jumping, it is an attractive nuisence, meaning, even if you are not home & post no trespassing signs, if someone trespasses & jumps & gets hurt, you are 100% liable. You have no defense. If you do not tell an insurance company about the trampoline & you have a claim (any claim – doesn’t have to be trampoline related, coverage will most likely be denied & your policy voided for material misrepresentation. ) If someone is injured while using your trampoline, it could be financially devastating.
Insurance companies simply consider trampolines too high of a liabilty risk. Your own kids would not be covered anyway, it’s the other kid’s parents who will sue you. So, tell your kids it is dangerous & get rid of it.
5. Compare Texas Home Insurance rates before you buy a Trampoline.
If you own a home with a trampoline, you will most likely pay more money for your insurance. Or you may find out that your insurance policy has a trampoline exclusion and will not pay for any injuries resulting from a trampoline. You need to make sure you discuss this with your insurance agent when you are shopping around for home insurance policy.
If you do not already own one, you may want to check with your current company to see if it will be covered and then shop around to see if it’s worth it. After doing the research, if you have a trampoline or still want to purchase one, Austin Insurance Group represents companies that will provide home insurance for homeowners who own a trampoline.
Make sure you understand your insurance policy and all of the items that are covered.
Our Advice:
Do not own one, unless you want to open yourself to the law suit when someone takes a bad bounce (and no, the nets won’t prevent these injuries,) The fact that the home insurance companies do not want to insure you, if you have a trampoline, should be a tip off.
However, if you have a trampoline and do not want to remove it, make sure you have a net around the trampoline and even a fence to keep out uninvited neighborhood children.
Call Austin Insurance Group for a free quote. The last thing you need is a lawsuit from the neighbor, and then you find out that your insurance won’t pay.
Austin Insurance Group | Local Texas Auto Insurance Agent | (512)339-2901 | Texas Home Insurance and Trampolines
We can provide you with Progressive easy online auto insurance quotes in 6 minutes or less, fast and accurate. If you have access to the internet, you can get a quote — it’s simple!
Just follow these steps:
Go to Progressive easy online auto insurance quotes 24/7.
Start your Progressive quote.
See your rate.
Buy Now or contact our local agent, Austin Insurance Group to verify rates, discounts and coverage. Or to compare rates with other top rated insurance companies.
Total time it takes to complete a Progressive online auto insurance quote? About 6 minutes. Simple and fast — that’s what you’ll discover when you get your auto insurance quote online from Progressive.
Plus, we offer insurance in multiple states, so you can complete an auto insurance online quote whether you live in Texas or Oregon.
If you’re shopping for auto insurance online, quote and compare rates all at once. Not only can we give you our rate, after you complete your auto insurance quote online, we can provide the rates of other top companies that we represent. You can review all of the rates to see which combination of price, coverage and service is best for you.
If you choose to purchase a Progressive auto insurance policy, you’ll receive all the features that come with Progressive insurance — 24/7 live support, local claims service and more — at no extra cost — all with a local Authorized Progressive Agent.
Austin Insurance Group | Local Progressive Auto Insurance Agent | (512)339-2901 | Easy Online Auto Insurance Quotes | Austin Texas
Why choose a local Progressive Car Insurance Agent?
As a local Progressive car insurance agent, Austin Insurance Group offers a comprehensive understanding of Progressive’s insurance products and are licensed by the state of Texas to provide sound, professional insurance advice to our clients.
You can rest assured you’ll be getting the proper insurance for your needs, and the personal service you deserve. Austin Insurance Group is a local agent and like you, we have friends, neighbor’s and family in your community.
When you need a local agent, we are a smiling face and a handshake, and will be happy to talk with you in our office or over the phone.
Compare Progressive car insurance rates with a local Austin agent, to find a policy that’s just right for you. With Progressive, it’s free and easy to quote, and you could save big.
Our Progressive car insurance policies include:
Great rates & discounts:
In 2008, Texas drivers spent an average of $854 on car insurance, according to the National Association of Insurance Commissioners. By switching to Progressive, you could save hundreds on Austin car insurance and get the coverage you need to protect yourself, your passengers and your car. You’ll also get Progressive insurance discounts and free extras, like forgiveness for minor accidents.
Austin car insurance coverage options:
When you complete your Progressive insurance quote, you can have us recommend Austin car insurance coverage for you. If you are on a budget, we can recommend ways for you to save on your rates. With Austin Insurance Group and Progressive behind you, you’ll be prepared for many unexpected situations on the road, from minor breakdowns to major collisions.
24/7 claims & customer service:
With immediate online and mobile access to your Progressive car insurance policy, you can quickly and securely update account information, make a payment and more—wherever, whenever.
You can report an accident online, too, and with a Progressive auto insurance claims office in Austin. We’ll be there to start your claim so you can get back on the road and on with your life.
To make the repairs process easy, you can choose one of our network repair shops, and we’ll guarantee the repairs for as long as you lease or own your car. If you prefer, you can also choose any other repair shop.
We serve many of the insurance needs of customers all over Austin including Cedar Park, Pflugerville, Round Rock, Georgetown, Hutto, Leander every city and county in Texas.
Austin Insurance Group | (512)339-2901 | Progressive Car Insurance Agent – Local Austin Agent – Texas | 9705 Burnet Rd #314, Austin, Texas 78758
Austin Insurance Group provides homeowners insurance quotes, flood insurance, auto insurance and umbrella policies. Understanding insurance quotes will help make choosing the right agent, coverage and company a breeze.
Homeowners Insurance Quote
There are two basic types of homeowners insurance policies – “named peril” and “all risk” policies. Named peril policies, such as the HO-A Plus form, will only cover the perils that are specified in the policy. All risk policies, such as the HO-3 form, will cover everything that is not specifically excluded in your policy. If you compare the inclusions in a named perils policy side-by-side with the exclusions in an open perils policy, you’ll find that the two types provide basically the same level of protection with the exception of options and endorsements. Two important ones are foundation coverage and water backup.
Austin Insurance Group will quote companies who provide both types of policies, however, we highly recommend “all risk” policies.
Flood Insurance
Floods are not covered under any home insurance policy. Flood insurance is written as a separate policy and FEMA regulates the premiums. If your home is in a flood zone, you will need to provide an elevation certificate in order to provide a quote. Most mortgage companies will require flood insurance for homes in a flood zone, and they often have elevation certificates on hand. If your home is not in a flood zone, there is a flat pricing structure.
Auto Insurance
The Texas Personal Auto Insurnace Policy offers eight types of coverage. Each coverage only pays up to the dollar limit chosen for that coverage.
Liability Coverage: The current Texas state minimum for liability insurance is $30,000 per person / $60,000 per incident for bodily injury, along with $25,000 for property damage. This coverage pays for other people’s expenses for accidents caused by drivers that are covered under your policy.
Uninsured/Underinsured Motorist (UM/UIM) Coverage: UM/UIM pays your expenses when an accident is caused by an uninsured motorist or an underinsured motorist driver whose liability limits were insufficient to cover your bills. It also pays for damages caused by a hit-and-run driver in accidents that are reported promptly to the police.
Medical Payments Coverage: Medical payments insurance covers the cost of doctors, hospitals and funeral expenses for you and/or your passengers that are a result from an accident, regardless of who was at fault.
Personal Injury Protection (PIP) Coverage: PIP is basically medical payments coverage plus coverage for lost income and the cost of hiring a caregiver for an injured person. PIP is automatically included in the Texas personal auto policy unless rejected in writing by the applicant.
Collision (Damage to Your Car) Coverage: Collision coverage pays for damage to your own auto that results from having an accident with another vehicle or object, regardless of fault. Payment is limited to your car’s actual cash value, less your deductible. Actual cash value is the market value of a car like yours before it was damaged.
Comprehensive (Physical Damage Other than Collision) Coverage: Comp coverage pays for damages that are caused by something other than a collision. This includes theft and vandalism, and disasters such as fire, flood, hail or hitting an animal. Like Collision, Comprehensive pays Actual cash value minus your deductible.
Towing and Labor Coverage: Towing and Labor pays for towing charges when your auto can not be driven, plus it includes labor charges, like changing a tire, at the site of the disablement.
Rental Reimbursement Coverage: Rental car coverage pays a set daily amount for a rental car if your car is stolen or is being repaired because of damage covered on your policy.
Umbrella Insurance
Umbrella insurance provides added liability coverage beyond the liability on your home and auto insurance policies, usually in increments of $1 million, $2 million or $5 million. Umbrella insurance policies are typically tied to an auto policy, but we can also quote umbrella coverage for customers who need a stand alone policy. Most companies require $250,000/$500,000 auto liability limits and $300,000 in liability on your home policy as underlying limits. When you are involved in a liability claim that exceeds the limits on your underlying (auto or home) policies, that’s when the umbrella kicks in and pays up to the limit chosen.
It will cover the difference between what your car is worth and what you still owe on the car. If your car is totalled to the point that repair costs are more than the car is worth, or if it’s stolen, gap insurance covers the difference between the market value of the vehicle and your outstanding loan.
