Auto & Motorcycle Insurance in Austin, TX

With auto insurance, Texas drivers can manage risks and unexpected costs on the road. At Contractors Insurance Services, we help you explore your coverage options and find solutions that fit your needs.

What Are the Auto Insurance Requirements in Texas?

State law requires all drivers to demonstrate proof of financial responsibility in the event of an at-fault accident. Most do this by purchasing at least the minimum required amount of auto liability insurance. This coverage may help pay for injuries or property damage you may cause to others in an accident.

What Coverage Options Are Available?

In addition to liability insurance, we offer a range of auto insurance options, including the following:

• Collision coverage may pay for damage to your vehicle after an accident, regardless of fault.
• Comprehensive coverage may apply to claims against non-collision events like theft, vandalism, hail or flooding.
• Uninsured/underinsured motorist coverage may provide coverage if you’re hit by an at-fault driver with little or no insurance.
• Personal injury protection (PIP) can help cover medical expenses and lost wages for you and your passengers.

You can also customize your policy with optional add-ons like:

• Rental car reimbursement
• Custom parts coverage
• Replacement cost coverage
• Gap insurance
• Roadside assistance coverage

How Much Does It Cost?

Your policy rates can vary based on factors such as your driving history, vehicle age and value, where you live and park as well as the coverage limits and deductibles you choose.

Get Started with Auto Insurance

Contact Contractors Insurance Services today to discuss your insurance needs or get a free personalized quote.

Why do you need insurance for your motorcycle?
You’ll enjoy being out on the open road even more when you’re not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

• If you’re in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or a passenger is injured in an accident, medical costs can be extremely expensive.
• If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you’re worth.
• Your motorcycle may be one of your most prized possessions. It deserves special protection.

Things to consider and questions to ask your agent
Your Independent Agent is an advocate for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

• How much can I afford to pay if my motorcycle is in an accident, damaged or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
• What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
• How much medical and liability coverage should I have?
• Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
• What’s the process for filing and settling a claim?

Tips for the cost-conscious rider
Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.

• Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It’s also a good idea for cyclists who have already had accidents.
• Maintaining a good driving record with no violations will also help reduce your premiums.
• In many northern states, riders may save money by buying a “lay-up” policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
• Find out what discounts your insurance representative offers. Multi-bike discounts for those insuring more than one bike, organization discounts, if you’re a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
• Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.