Would you like to stop wasting money and find lower-priced Chevy Cobalt insurance in Austin? Did a good deal turn into an expensive car insurance policy? You’re in good company because many Austin drivers feel the same as you.
It’s astonishing, but over 70% of consumers have purchased from the same company for more than four years, and practically 40% of car insurance customers have never shopped around. Most drivers in Austin can save hundreds of dollars each year just by getting comparison quotes, but they just assume it takes a lot of time to find cheaper insurance by shopping around. Numerous insurers battle for your business, and because of this it can be hard to compare insurers to find the best rates possible on Chevy Cobalt insurance in Austin.
Companies offering Chevy Cobalt insurance in Austin
The companies shown below offer price quotes in Texas. If the list has multiple companies, it’s a good idea that you get prices from several of them in order to find the most affordable rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $176 | $452 | $582 | $34 | $174 | $1,418 | $118 |
| Cobalt XFE 4-Dr Sedan | $180 | $462 | $452 | $26 | $136 | $1,256 | $105 |
| Cobalt LS 2-Dr Coupe | $206 | $462 | $500 | $30 | $150 | $1,348 | $112 |
| Cobalt XFE 2-Dr Coupe | $256 | $594 | $458 | $28 | $136 | $1,472 | $123 |
| Cobalt LT 4-Dr Sedan | $156 | $360 | $486 | $28 | $146 | $1,176 | $98 |
| Cobalt LT 2-Dr Coupe | $210 | $400 | $458 | $28 | $136 | $1,232 | $103 |
| Cobalt SS Turbo 2-Dr Coupe | $354 | $890 | $500 | $30 | $150 | $1,924 | $160 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can revise prices substantially.
Gender-based auto insurance rates in Austin
The chart below shows the difference between Chevrolet Cobalt insurance premiums for male and female drivers. The rate quotes are based on no claims or driving violations, full coverage, $500 deductibles, drivers are single, and no policy discounts are applied.
Lower-cost Austin car insurance rates with discounts
Properly insuring your vehicles can get expensive, but there could be significant discounts to cut the cost considerably. Certain credits will be shown at the time of purchase, but occasionally some discounts must be inquired about prior to receiving the credit.
- Discount for Passive Restraints – Vehicles equipped with air bags could see savings of up to 25% or more.
- Payment Discounts – By paying your policy upfront instead of making monthly payments you can avoid the installment charge.
- Drive Less and Save – Driving fewer miles may allow you to get lower car insurance rates on the low mileage vehicles.
- Claim-Free Discount – Insureds who avoid accidents and claims can earn big discounts when compared to frequent claim filers.
- Discounts for Responsible Drivers – Drivers without accidents may save up to 50% more compared to rates paid by drivers with frequent claims.
- Braking Control Discount – Cars with ABS and/or traction control can stop better under adverse conditions so you can save 10 percent or more.
- Sign Early and Save – A few car insurance companies give discounts for switching companies before your current coverage expires. You can save around 10% with this discount.
- Driver’s Education for Students – Cut your cost by having your teen driver take driver’s ed class as it can save substantially.
One thing to note about discounts is that most credits do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, it’s just not the way it works.
To find companies with the best discounts in Texas, click this link.
Learn How to Quote Insurance Cheaper
The best way to find cheaper insurance is to take a look at some of the elements that come into play when calculating your premiums. When you understand what impacts premium levels, this enables you to make decisions that may result in lower rates. Lots of things are part of the equation when you get a price on insurance. A few of the factors are predictable such as your driving record, but other criteria are more transparent like your vehicle usage or your financial responsibility.
The list below includes most of the major factors insurance companies consider when setting rates.
Men pay higher prices – Statistics have proven females are less aggressive when driving. Now that doesn’t mean females are better drivers. Females and males are in auto accidents in similar numbers, but the men have costlier accidents. Men also get ticketed for serious violations like DUI and reckless driving.
Prices go up with performance – The make and model of the vehicle you drive makes a big difference in your auto insurance rates. The best insurance prices are usually for the lowest performance passenger vehicles, but other factors influence the final cost greatly. Due to the fact that the Chevrolet Cobalt is classified as a passenger car, insurance will be similar in price or lower when compared to the average rates in Austin.
Responsible drivers pay less – Your driving record impacts premiums far more than you think. Even a single citation can increase the cost of insurance by as much as thirty percent. Drivers with clean records have lower premiums than bad drivers. Drivers who get careless violations like reckless driving, hit and run or driving under the influence are required to maintain a SR-22 with their state in order to prevent a license revocation.
How many coverages with the same company – The majority of insurers give discounts to clients who consolidate policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even if you qualify for this discount already, consumers should still shop around to confirm you are receiving the best rates possible. You may still be able to save even more than the discount by buying insurance from more than one company.
Don’t assume everyone needs the same auto insurance coverage
Always keep in mind that when comparing insurance from an agent or online for your personal vehicles, there really isn’t a one-size-fits-all type of policy. Your needs are not the same as everyone else’s.
Here are some questions about coverages that may help you determine if your insurance needs may require specific advice.
- Do I pay less for low miles?
- Is my Chevy Cobalt covered for smoke damage?
- Where can I find high-risk insurance?
- What does PIP insurance cover?
- How do I file an SR-22 for a DUI in Texas?
- Is my ex-spouse still covered by my policy?
- When should I not buy collision coverage?
If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.
Insurance quotes from local Austin insurance agents
A small number of people would rather talk to a local agent and doing so can bring peace of mind Good insurance agents are highly skilled in risk management and will help you if you have claims. The best thing about comparing insurance prices online is the fact that you can find cheap rate quotes but still work with a licensed agent. Buying insurance from local agents is important particularly in Austin.
To make it easy to find an agent, after completing this simple form, the quote information is transmitted to agents in your area that can provide free Austin car insurance quotes for your insurance coverage. You won’t need to contact an agency since price quotes are sent to your email. If you have a need to quote rates from one company in particular, you can always jump over to their website and fill out the quote form the provide.
If you need to find a reputable agency, it’s helpful to know the different types of agents and how they can service your needs differently. Insurance agents can be described as either independent agents or exclusive agents. Either can do a good job, but it’s good to learn why they differ since it could factor into which type of agent you select.
Independent Agents
Agents in the independent channel are appointed with more than one company and that allows them to write policies with a variety of different insurance companies and find the cheapest insurance rates. If you want to switch companies, the agent simply finds a different carrier without you having to go to a different agency. When searching for an agent, you need to include at a minimum one independent agency for the best price selection.
Shown below is a short list of independent insurance agents in Austin who may be able to give you free insurance rate quotes.
Nationwide Insurance: Bill Russell Insurance Agency Inc
9015 Mountain Ridge Dr #350 – Austin, TX 78759 – (512) 343-1106 – View Map
Watkins Insurance Group
3834 Spicewood Springs Rd – Austin, TX 78759 – (512) 452-8877 – View Map
Mitchamore Insurance Agency
560, 5316 W US Highway 290 Service Rd – Austin, TX 78735 – (512) 730-1424 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel work for only one company like Farmers Insurance and State Farm. Exclusive agents cannot provide other company’s prices so you might not find the best rates. They are highly trained in insurance sales and that can be a competitive advantage.
The following is a short list of exclusive agents in Austin that can give you rate quotes.
State Farm: Dick Clay
3006 Bee Cave Rd Suite B170 – Austin, TX 78746 – (512) 328-2340 – View Map
Stuart Nalewaik – State Farm Insurance Agent
1717 W 6th St #214 – Austin, TX 78703 – (512) 382-6019 – View Map
Allstate Insurance: Fleming and Conway Agency
3435 Greystone Dr Ste 107 – Austin, TX 78731 – (512) 345-0005 – View Map
Deciding on an insurance agency needs to be determined by more than just the quoted price. These are some valid questions you should ask.
- Is auto insurance their primary focus in Austin?
- Does the company allow you to choose your own collision repair facility?
- Where would glass claims be handled in Austin?
- Where are claims handled?
- Can they give you a list of client referrals?
- Is their price quote a firm figure or are their hidden costs?
A conclusion for your auto insurance search
Some insurance companies may not provide the ability to get a quote online and most of the time these regional carriers provide coverage only through independent agencies. Cost effective Chevy Cobalt insurance can be found both online and with local Austin insurance agents, so compare prices from both to get a complete price analysis.
Drivers change insurance companies for many reasons like extreme rates for teen drivers, policy non-renewal, an unsatisfactory settlement offer and poor customer service. Whatever your reason, finding a great new company is pretty easy and you might even save some money in the process.
We just covered some good ideas how to get a better price on Chevy Cobalt insurance in Austin. The key concept to understand is the more you quote Austin car insurance, the better your chances of lowering your premium rates. You may even discover the biggest savings come from a small local company.
Additional detailed information can be read in these articles:
- Safety Belts FAQ (iihs.org)
- Who Has the Cheapest Austin Auto Insurance Rates for Uber Drivers? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Teen Driving and Texting (State Farm)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)