Auto Insurance Quotes in Lubbock

It goes without saying that car insurance companies want to keep you from shopping around. People who shop rates annually are highly likely to buy a new policy because they have good chances of finding lower rate quotes. A study showed that drivers who faithfully checked for cheaper rates saved an average of $3,450 over four years compared to other drivers who never shopped around for better prices.

If saving the most money on insurance in Lubbock is the reason you’re here, knowing the best ways to find and compare auto insurance can make it easier to shop your coverage around.

The easiest way to find lower priced car insurance rates in Lubbock is to start doing an annual price comparison from companies in Texas. Rates can be compared by completing these steps.

The key thing to know about shopping around is that you’ll want to make sure you compare the same liability limits and deductibles on each quote request and and to get rates from every company you can. Doing this enables a level playing field and the best price quote selection.

Car Insurance Rates for Popular Vehicles in Lubbock
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LT Regular Cab $1,400 $700 $117
Dodge Ram Crew Cab Sport 2WD $1,550 $775 $129
Ford Escape Limited 2WD $1,152 $576 $96
Ford Explorer XLT 2WD $1,238 $619 $103
Ford F-150 STX Super Cab 2WD $1,204 $602 $100
Ford Focus SEL 4-Dr Sedan $1,376 $688 $115
GMC Sierra SLT Extended Cab 2WD $1,442 $721 $120
Honda Accord EX-L 2-Dr Coupe $1,518 $759 $127
Honda CR-V LX 4WD $1,118 $559 $93
Honda Civic VP 4-Dr Sedan $1,376 $688 $115
Hyundai Sonata GLS 4-Dr Sedan $1,400 $700 $117
Jeep Grand Cherokee Limited 4WD $1,442 $721 $120
Nissan Altima 2.5 S 2-Dr Coupe $1,518 $759 $127
Toyota Camry XLE $1,410 $705 $118
Toyota Corolla LE $1,410 $705 $118
Toyota Prius $1,270 $635 $106
Toyota Tacoma 2WD $1,290 $645 $108
Volkswagen Jetta S 2.5 Station Wagon $1,238 $619 $103
Get Rate Quotes for Your Vehicle Go

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can revise coverage rates significantly.

When shopping for cheap Lubbock auto insurance quotes, there are a couple of ways to compare prices from different companies. One of the best ways to find cheaper rates is to get quotes online.

Just keep in mind that comparing a large number of companies helps locate the best price.

The following companies offer price quotes in Texas. If multiple companies are listed, we recommend you compare several of them in order to get a fair rate comparison.

Lower the price of insurance with these tips

Consumers need to have an understanding of the rating factors that help calculate the price you pay for insurance. If you understand what determines base rates, this allows you to make good choices that can help you get lower insurance prices. Multiple criteria are part of the equation when you quote your car insurance policy. Some are pretty understandable like your driving record, but other factors are not quite as obvious such as your credit history or how safe your car is.

Listed below are some of the major factors used by your company to calculate your rates.

Extra coverages can add up – Insurance companies have many extra add-on coverages that can waste your money but may not be useful. Things like personal injury protection, accident forgiveness, and motor club memberships are probably not needed. They may seem like a good idea when buying your policy, but your money might be better spent on other coverage so get rid of them and save.

How do annual miles impact costs? – The more miles you rack up on your car annually the more you will pay for insurance. A lot of companies calculate rates determined by how the vehicle is used. Cars and trucks that do not get driven very much can get a lower rate than vehicles that have high annual mileage. Double check that your vehicle rating properly reflects the correct usage for each vehicle, because it can save money.

Safer vehicles means better premiums – Cars with five star safety ratings get lower rates. Vehicles engineered for safety reduce occupant injuries and lower rates of occupant injuries means lower claim amounts and lower rates for you. If your car has ratings of a minimum four stars on or an “acceptable” rating on it may be receiving lower rates.

Prevent insurance policy lapses – Not having insurance is not a good idea and your next policy will cost more because you let your coverage lapse. Not only will you pay higher rates, the inability to provide proof of insurance might get you a steep fine or even jail time.

Multiple policies with one company – Many insurers provide a discount to buyers who have multiple policies with them in the form of a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, consumers should still comparison shop to confirm you are receiving the best rates possible.

Having a spouse is a bonus – Having a spouse can get you a discount on your policy. Having a significant other translates into being less irresponsible and insurance companies reward insureds because married drivers get in fewer accidents.

Pay more out-of-pocket – The deductibles are how much you are required to spend out-of-pocket if a covered claim is submitted. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply could be rear-ending another vehicle, fire damage, and damage caused by road hazards. The more expense you have to pay, the lower your rates will be.

Why do you need liability insurance? – Your insurance policy’s liability coverage is the protection when a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

It may be expensive, but it’s not optional

Despite the fact that auto insurance is not cheap in Lubbock, insurance serves an important purpose.

The benefits of insuring your car more than cancel out the cost, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver overpays more than $820 a year so smart consumers compare quotes at least once a year to save money.

Car insurance claims by make and model

Which vehicles tend to have fewer claims? The next tables show the worst and best makes and models for likelihood of having to file claims organized by coverage.

Lowest and Highest Car Insurance Medical Payment Claims by Manufacturer Model
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Hyundai Accent
Ford F-350 SuperCrew Nissan Sentra
Chevrolet Silverado 3500 Mitsubishi Lancer
Land Rover Range Rover Sport Nissan Versa
Tesla Model S Dodge Charger
Audi A4 Allroad Kia Forte

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Comprehensive Insurance Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Volvo V60 Maserati Granturismo
Chevy Silverado 2500 BMW M6
Infiniti QX50 Bentley Continental GT
Chevy Spark Bentley Continental GTC
Smart ForTwo Mercedes-Benz S Class
Nissan Leaf BMW M6

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Liability Insurance Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Subaru Outback Dodge Charger
Subaru Forester Kia Rio
Fiat 500 Mitsubishi Lancer
Volvo XC60 Chevrolet Sonic
Audi A6 Kia Optima
Acura MDX Chevrolet Cruze

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Collision Coverage Claims
Lowest Claim Amount Highest Claim Amount
Jeep Wrangler Bentley Continental Flying Spur
Ford Edge Bently Continental GT
Smart ForTwo Ferrari 458
Ford F-250 SuperCab Audi RS7
GMC Canyon BMW M6
Chevrolet Colorado Maserati Ghibli

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car insurance company ratings

Ending up with a good quality auto insurance provider can be a challenge considering how many different insurance companies sell coverage in Lubbock. The company ratings displayed below could help you select which providers to look at shopping prices with.

Top 10 Lubbock Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive