I don't know about Austin, but San Antonio drivers pull some pretty stupid moves compared to Louisiana or Iowa, where I'm from. Not sure I've gone a day in the last month without seeing a crash around here.

 

I had Dairyland , they went up every year , changed to bike line .com . It’s Markel Farmers insurance . It started cheap and went down every year . I asked how that works and was told my bike lost value every year . Never filed a claim , but I was happy .