It goes without saying that auto insurance companies don’t want you to compare rates. Insureds who do rate comparisons will presumably move their business because the odds are good of finding a lower-priced company. A recent survey discovered that consumers who compared rates annually saved as much as $865 a year as compared to drivers who never compared rates.
If finding low prices for auto insurance is your ultimate objective, then having an understanding of how to find companies and compare insurance coverage can make it simple to find affordable coverage.
The most effective way to get low-cost Toyota Rav4 Hybrid insurance in Lubbock is to annually compare prices from insurers who provide car insurance in Texas. Rate comparisons can be done by completing these steps.
First, it will benefit you to learn about how companies price auto insurance and the things you can change to lower rates. Many things that cause rate increases like careless driving and an imperfect credit rating can be improved by making minor driving habit or lifestyle changes.
Second, compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO and Allstate, while independent agents can provide rate quotes for many different companies. View insurance agents
Third, compare the new rate quotes to your existing policy to see if a cheaper price is available in Lubbock. If you find a lower rate and buy the policy, ensure coverage does not lapse between policies.
Fourth, give proper notification to your current agent or company to cancel your current policy and submit payment and a signed application to the newly selected company. Immediately keep the new proof of insurance paperwork along with the vehicle’s registration papers.
The key aspect of shopping around is to make sure you’re comparing identical limits and deductibles on every quote request and and to analyze every insurance company. This ensures a fair rate comparison and and a good selection of different prices.
How to lower your Toyota Rav4 Hybrid insurance cost in Lubbock, TX
Most major insurance companies such as Allstate and Progressive give prices from their websites. Getting Toyota Rav4 Hybrid insurance prices online is fairly simple because you just enter your personal and coverage information into the quote form. Once you submit the form, their rating system gets your driving and credit reports and quotes a price based on these factors.
This makes it easy to compare insurance prices and it’s necessary to get many rate quotes if you want to get a lower rate.
To get comparison pricing now, compare quotes from the companies shown below. To compare your current rates, we recommend you replicate coverages and limits as close as possible to your current policy. Doing this assures you will receive an apples-to-apples comparison based on similar coverages.
The auto insurance companies shown below are our best choices to provide comparison quotes in Lubbock, TX. If you want cheap car insurance in Texas, we recommend you click on several of them to find the most competitive auto insurance rates.
Lubbock insurance discounts for a Toyota Rav4 Hybrid
Insurance is expensive, but companies offer discounts to help bring down the price. Some trigger automatically when you quote, but a few need to be asked for prior to getting the savings.
- ABS Braking Discount – Cars that have anti-lock braking systems are much safer to drive and will save you 10% or more on Rav4 Hybrid insurance in Lubbock.
- Drive Safe and Save – Drivers without accidents may save up to 50% more than their less cautious counterparts.
- Driving Data Discount – Lubbock drivers who agree to allow companies to track driving manner remotely such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they exhibit good driving behavior.
- Renewal Discounts – Select companies give a discount for switching policies prior to your current Rav4 Hybrid insurance policy expiration. It can save you around 10%.
- Low Mileage – Driving fewer miles may allow you to get better insurance rates on cars that stay parked.
- Include Life Insurance and Save – Select insurance companies reward you with lower prices if you buy auto and life insurance together.
- Lubbock Homeowners Discount – Owning a home in Lubbock can earn you a little savings since owning and maintaining a home requires a higher level of personal finance.
- Discount for Multiple Policies – If you have multiple policies with the same company you could save 10% to 20% off each policy.
- Use Seat Belts – Drivers who require all occupants to buckle up could cut 10% or more off the medical payments premium.
- Distant College Student Discount – College-age children living away from Lubbock attending college and do not have access to a covered vehicle could qualify for this discount.
You should keep in mind that most credits do not apply to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, it’s just not the way it works. Any amount of discount should definitely cut your premiums.
Larger insurance companies and a summarized list of policyholder discounts are shown below.
- Farmers Insurance discounts include early shopping, distant student, pay in full, electronic funds transfer, business and professional, alternative fuel, and multi-car.
- Esurance offers discounts including anti-lock brakes, claim free, homeowner, Pac-12 alumni, renters, online quote, and Switch & Save.
- State Farm includes discounts for anti-theft, good driver, accident-free, multiple autos, defensive driving training, and passive restraint.
- GEICO may offer discounts for anti-theft, daytime running lights, seat belt use, multi-policy, multi-vehicle, membership and employees, and military active duty.
- Allstate policyholders can earn discounts including EZ pay plan discount, utility vehicle, premier discount, teenSMART discount, eSmart discount, and early signing.
When quoting, ask all the companies which discounts you may be entitled to. Savings might not be offered in Lubbock. To locate providers with discount rates in Texas, click this link.
Compare rate quotes but buy from a local Lubbock insurance agency
Many drivers would prefer to sit down and talk to an agent and that is just fine! A nice benefit of price shopping on the web is you may find lower rates and also buy local.
Upon completion of this short form, your coverage information is immediately sent to local insurance agents in Lubbock that can give you free Lubbock car insurance quotes for your coverage. You don’t have to contact any agents since rate quotes are delivered instantly to you. It’s the lowest rates without requiring a lot of work. If for some reason you want to get a comparison quote from a particular provider, feel free to visit that company’s website to submit a rate quote request.
Picking the best provider requires you to look at more than just a cheap price. Before buying a policy in Lubbock, get answers to these questions.
- Will the company cover a rental car if your car is getting fixed?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Is there a Errors and Omissions policy in force?
- Do they feel the quoted coverages are adequate?
- Are they able to influence company decisions when a claim is filed?
- Will you work with the agent or an assistant?
- Are there any discounts that you might be missing?
After receiving answers to your satisfaction for all questions you ask and a low price estimate, it’s a good possibility that you have found an insurance company that can be relied on to properly insure your vehicles. It’s important to know that you have the power to terminate coverage any time you want so don’t assume that you are permanently stuck with any specific company for the full policy term.
Auto insurance is unique, just like you
Keep in mind that when it comes to choosing proper insurance coverage for your vehicles, there really is not a one-size-fits-all type of policy. Your needs are not the same as everyone else’s.
These are some specific questions may help you determine whether your personal situation would benefit from an agent’s advice.
- Can I make deliveries for my home business?
- What is glass protection for?
- Can I get a multi-policy discount?
- Does my policy pay for OEM or aftermarket parts?
- Why do I only qualify for high-risk insurance?
- Is a driver training discount available?
If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form.
Auto insurance companies ranked
Finding a highly-rated insurance company can be rather challenging considering how many different companies sell coverage in Texas. The company ratings in the lists below can help you decide which car insurance providers to look at to insure your vehicles.
Top 10 Lubbock Car Insurance Companies Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
Car insurance coverage information
Knowing the specifics of a auto insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Toyota Rav4 Hybrid.
Since many Texas drivers have only the minimum liability required by law (which is 30/60/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.
Insurance for medical payments
Coverage for medical payments and/or PIP pay for immediate expenses for things like hospital visits, prosthetic devices, funeral costs, pain medications and surgery. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as vandalism, rock chips in glass and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
This will pay to fix damage to your Rav4 Hybrid resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like hitting a parking meter, driving through your garage door, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible on your Rav4 Hybrid in order to get cheaper collision rates.
Coverage for liability
Liability coverage will cover damage or injury you incur to a person or their property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 30/60/25 which stand for a $30,000 limit per person for injuries, a limit of $60,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for things such as attorney fees, medical expenses, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford. Texas requires drivers to carry at least 30/60/25 but you should think about purchasing better liability coverage.
The next chart shows why buying low liability limits may not be adequate.
One last note
We’ve covered many ways to find lower-cost Toyota Rav4 Hybrid insurance in Lubbock. The most important thing to understand is the more times you quote, the better your comparison will be. You may even find the lowest rates come from some of the lesser-known companies.
Affordable Toyota Rav4 Hybrid insurance in Lubbock is possible on the web and with local Lubbock insurance agents, and you need to price shop both to have the best chance of lowering rates. Some auto insurance companies may not offer online rate quotes and most of the time these smaller providers sell through independent agents.
When getting Lubbock car insurance quotes online, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, someone dropped full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The goal is to buy the best coverage you can find for the lowest cost, but do not skimp to save money.
Even more information is available in these articles:
- Preventing Carjacking and Theft (Insurance Information Institute)
- Who Has Affordable Lubbock Car Insurance Quotes for a Subaru Outback? (FAQ)
- Who Has the Cheapest Car Insurance for Ride Shares in Lubbock? (FAQ)
- Who Has Affordable Car Insurance for a Dodge Grand Caravan in Lubbock? (FAQ)
- Who Has Cheap Auto Insurance for a Chevrolet Silverado in Lubbock? (FAQ)
- Who Has Affordable Auto Insurance for Electric Cars in Lubbock? (FAQ)
- Anti-Lock Brake FAQ (iihs.org)
- Auto Insurance Basics (Insurance Information Institute)