Comparing Lubbock car insurance quotes online can seem difficult if you are one of the many people new to online quotes. But don’t just give up because finding cheaper rates for Chevy Tahoe insurance in Lubbock is easier than you think.
How to buy cheaper Chevy Tahoe insurance in Lubbock
The best way to quote cheaper Chevy Tahoe insurance is to do an annual price comparison from companies in Lubbock. Rate comparisons can be done by following these steps.
First, spend a few minutes and learn about what coverages are included in your policy and the steps you can take to keep rates low. Many rating criteria that cause high rates like your driving record and a poor credit rating can be improved by improving your driving habits or financial responsibility.
Second, compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive or State Farm, while independent agents can provide prices from multiple insurance companies.
Third, compare the new rates to your existing policy to see if you can save by switching companies. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, provide notification to your current agent or company of your intent to cancel your current coverage and submit a signed application and payment for the new coverage. Make sure you put the new certificate verifying proof of insurance with the vehicle registration.
A good piece of advice is that you use similar coverage information on every quote request and and to get prices from as many companies as you can. Doing this ensures a level playing field and the best price selection.
We don’t have to point out that fact that car insurance companies want to keep you from comparing prices. People who shop around for cheaper price quotes will presumably buy a different policy because there is a significant possibility of finding a more affordable policy premium. A survey found that consumers who routinely compared quotes saved as much as $865 annually compared to people who didn’t regularly shop around.
If finding the cheapest price for car insurance in Lubbock is why you’re here, then having a good understanding how to get free comparison quotes and analyze auto insurance can help you succeed in finding affordable rates.
It’s important to quote other rates at least once a year because insurance prices change quite often. Just because you had the best price on Chevy Tahoe insurance in Lubbock on your last policy other companies may now be cheaper. Forget all the misinformation about insurance because we’re going to demonstrate one of the best ways to get good coverage on Chevy Tahoe insurance in Lubbock at a lower rate.
Auto insurance providers offering low-cost rate quotes in Texas
The companies in the list below are ready to provide price comparisons in Lubbock, TX. If your goal is to find the cheapest auto insurance in Texas, we recommend you compare several of them in order to get a fair rate comparison.
Premium rates and analysis
The coverage information displayed next showcases detailed analysis of coverage costs for Chevy Tahoe models. Being able to understand how auto insurance policy rates are determined can help drivers make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tahoe LS 2WD | $298 | $544 | $392 | $24 | $118 | $1,376 | $115 |
| Tahoe LS 4WD | $336 | $544 | $392 | $24 | $118 | $1,414 | $118 |
| Tahoe LT 2WD | $336 | $544 | $392 | $24 | $118 | $1,414 | $118 |
| Tahoe LT 4WD | $336 | $544 | $392 | $24 | $118 | $1,414 | $118 |
| Tahoe LTZ 2WD | $336 | $642 | $392 | $24 | $118 | $1,512 | $126 |
| Tahoe LTZ 4WD | $336 | $642 | $392 | $24 | $118 | $1,512 | $126 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can raise or lower prices noticeably.
An analysis of deductible level
The hardest decision when buying coverage is at what level do you set your deductibles. The comparison tables below may help to illustrate the rate difference when you select higher and lower physical damage coverage deductibles. The first data set uses a $100 deductible for comp and collision and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tahoe LS 2WD | $328 | $592 | $382 | $22 | $114 | $1,463 | $122 |
| Tahoe LS 4WD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Tahoe LT 2WD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Tahoe LT 4WD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Tahoe LTZ 2WD | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Tahoe LTZ 4WD | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tahoe LS 2WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Tahoe LS 4WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Tahoe LT 2WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Tahoe LT 4WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Tahoe LTZ 2WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Tahoe LTZ 4WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Prices do not factor in specific zip code location which can change premium rates greatly.
Using the data above, we can ascertain that using a $100 deductible will cost you roughly $27 more each month or $324 for a full year than quoting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at least 15 months between claim filings, you would probably save some money if you choose a higher deductible.
Verify you’re receiving every discount
Car insurance companies do not list their entire list of discounts in a way that’s easy to find, so the below list has a few of the more common as well as some of the hidden credits available to you.
- Good Student Discount – Excelling in school could provide a savings of up to 20% or more. Earning this discount can benefit you until age 25.
- Payment Discounts – By paying your entire bill at once rather than spreading payments over time you can actually save on your bill.
- Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase auto and life insurance together.
- Discounts for New Vehicles – Buying insurance on a new vehicle can cost up to 25% less because new vehicles are generally safer.
- Sign Early and Save – A few insurance companies give discounts for signing up before your current coverage expires. You can save around 10% with this discount.
- Onboard Data Collection – Drivers that enable driving data collection to track driving habits by using a telematic data system like Allstate’s Drivewise might see lower rates if they show good driving skills.
- Federal Employees – Active or retired federal employment could qualify for a slight premium decrease but check with your company.
- Theft Deterrent – Cars and trucks equipped with anti-theft or alarm systems prevent vehicle theft and that can save you a little bit as well.
- Accident-Free Discounts – Good drivers with no accidents are rewarded with significantly better rates on Lubbock car insurance quote in comparison with frequent claim filers.
It’s important to note that some of the credits will not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky.
The information below illustrates the difference between Chevy Tahoe car insurance costs with and without discounts applied. The premium estimates are based on a female driver, no accidents or driving violations, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, claim-free, safe-driver, and marriage discounts applied.
A few popular companies and a partial list of their discounts are included below.
- State Farm has discounts for driver’s education, Steer Clear safe driver discount, accident-free, safe vehicle, and multiple autos.
- Liberty Mutual may have discounts that include good student, teen driver discount, newly married, multi-car, hybrid vehicle, and exclusive group savings.
- American Family has savings for accident-free, Steer into Savings, good student, TimeAway discount, mySafetyValet, air bags, and early bird.
- Progressive offers discounts including online quote discount, homeowner, continuous coverage, multi-vehicle, multi-policy, online signing, and good student.
- Farmers Insurance may offer discounts for electronic funds transfer, early shopping, good student, multi-car, switch companies, pay in full, and homeowner.
- Auto-Owners Insurance policyholders can earn discounts including paid in full, mature driver, anti-theft, safe vehicle, good student, and company car.
- SAFECO includes discounts for bundle discounts, accident prevention training, anti-theft, drive less, multi-car, and teen safety rewards.
It’s a good idea to ask all companies you are considering how you can save money. All car insurance discounts might not be offered in Lubbock.
Tailor your car insurance coverage to you
When it comes to buying adequate coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs and your car insurance should unique, too. Here are some questions about coverages that might help in determining if your insurance needs might need an agent’s assistance.
- Does my policy cover me if I wreck while driving under the influence?
- What are the financial responsibility laws in my state?
- Why am I required to buy liability insurance?
- Is extra glass coverage worth it?
- Is my nanny covered when driving my vehicle?
- Do I need to file an SR-22 for a DUI in Texas?
- Are my company tools covered if they get stolen?
- Am I better off with higher deductibles on my Chevy Tahoe?
If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.
Compare prices but buy from a local Lubbock insurance agent
Some consumers just want to go talk to an agent and doing that can be a smart decision A nice benefit of comparing auto insurance online is the fact that drivers can get cheap rate quotes and still choose a local agent.
Once you complete this quick form, the quote information is immediately sent to companies in Lubbock that give free quotes for your business. It simplifies rate comparisons since you won’t have to search for an agent since rate quotes are delivered to you. You’ll get the best rates and a licensed agent to work with. If for some reason you want to compare rates for a specific company, you can always navigate to their website and submit a quote form there.
Picking the best insurance company should include more criteria than just the quoted price. Any agent in Lubbock should be willing to answer these questions.
- Do they reduce claim amounts on high mileage vehicles?
- Can glass repairs be made at your home?
- When do they do a full risk review?
- Is the agent CPCU or CIC certified?
- How much training do they have in personal risk management?
- Which members of your family are coverage by the policy?
- Does the company have a solid financial rating?
- Is the agency active in community causes in Lubbock?
If you are searching for a reliable insurance agency, it can be helpful to understand the different agency structures that you can choose from. Insurance agencies in Lubbock are categorized either independent agents or exclusive agents depending on their employer.
Exclusive Auto Insurance Agents
These agents have only one company to place business with and some examples include AAA, Allstate, State Farm, or Farmers Insurance. They are unable to place coverage with different providers so they have no alternatives for high prices. Exclusive agents are usually well trained on what they offer which helps them sell insurance even at higher premiums. Consumers often use the same exclusive agent primarily because of loyalty to the company and the convenience of having all coverages with one company.
Below are exclusive insurance agencies in Lubbock who may provide you with price quote information.
- Tommy Reece – State Farm Insurance Agent
3114 50th St – Lubbock, TX 79413 – (806) 793-0646 – View Map - Ana Borrego – State Farm Insurance Agent
8001 Quaker Ave STE G – Lubbock, TX 79424 – (806) 745-2555 – View Map - Farmers Insurance – Rhett Richardson
13413 County Rd 1800 Unit D – Lubbock, TX 79424 – (806) 783-9998 – View Map
Independent Agents
Agents of this type are not required to write business for one company so they can write business with multiple insurance companies and get you the best rates possible. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part. When comparing auto insurance prices, it’s a good idea to include several independent agencies so that you have a good selection of quotes to compare. Most can insure with different regional companies that may provide cheaper auto insurance rates.
Shown below is a list of independent insurance agencies in Lubbock who can help you get rate quotes.
- Willcoxon Insurance
4601 S Loop 289 # 7 – Lubbock, TX 79424 – (806) 763-4005 – View Map - Zuniga Insurance Agency
1407 19th St – Lubbock, TX 79401 – (806) 702-4918 – View Map - Beadle Insurance Agency
8008 Slide Rd #22 – Lubbock, TX 79424 – (806) 798-7900 – View Map
Don’t give up on cheaper premiums
Some insurance companies may not offer the ability to get quotes online and usually these regional insurance providers only sell coverage through local independent agents. Cheaper Chevy Tahoe insurance in Lubbock is possible on the web and with local Lubbock insurance agents, so you need to compare both to have the best rate selection.
Throughout this article, we presented a lot of ways to shop for Chevy Tahoe insurance online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding inexpensive Lubbock car insurance quotes. Consumers could even find that the lowest premium rates come from a lesser-known regional company. Smaller companies often have lower prices on specific markets as compared to the big name companies such as State Farm and Allstate.
While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut liability limits or collision coverage to discover at claim time that they should have had better coverage. Your goal should be to purchase plenty of coverage at an affordable rate while still protecting your assets.
Steps to finding cheaper Chevy Tahoe insurance in Lubbock
The most effective way to get affordable Chevy Tahoe insurance in Lubbock is to do a yearly price comparison from insurers in Texas. Price quotes can be compared by following these steps.
- Step 1: Get a basic knowledge of what is in your policy and the measures you can control to drop your rates. Many rating criteria that cause high rates like speeding tickets, careless driving and a bad credit rating can be improved by making minor changes to your lifestyle.
- Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive or State Farm, while independent agents can give you price quotes from many different companies.
- Step 3: Compare the new quotes to the premium of your current policy and determine if cheaper Tahoe coverage is available. If you find a lower rate and switch companies, verify that coverage does not lapse between policies.
- Step 4: Notify your company or agent to cancel your current auto insurance policy and submit the application along with any required down payment for your new policy. As soon as you receive it, keep the new certificate verifying proof of insurance in a readily accessible location in your vehicle.
The most important part of this process is to make sure you’re comparing the same deductibles and limits on each quote and and to compare as many companies as you can. This helps ensure an apples-to-apples comparison and a complete price analysis.
For more information, link through to the resources below:
- Credit and Insurance Scores (Insurance Information Institute)
- Who Has Affordable Auto Insurance Rates for Teenage Females in Lubbock? (FAQ)
- Who Has Cheap Auto Insurance for a Chevrolet Silverado in Lubbock? (FAQ)
- How Much is Lubbock Auto Insurance for a Chevrolet Equinox? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- Bodily Injury Coverage (Liberty Mutual)