The recommended way to find cheaper prices for car insurance rates is to compare prices annually from insurance carriers who sell auto insurance in Lubbock. Rate comparisons can be done by completing these steps.
First, get a basic knowledge of car insurance and the steps you can take to keep rates in check. Many rating criteria that result in higher prices like traffic violations, accidents, and your credit history can be eliminated by paying attention to minor details.
Second, quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from a single company like GEICO or Allstate, while independent agents can provide prices for many different companies.
Third, compare the new rates to your existing policy to determine if you can save on Sierra 2500HD insurance in Lubbock. If you find a lower rate and buy the policy, make sure coverage does not lapse between policies.
One thing to point out is to use identical deductibles and limits on each quote and and to analyze as many different companies as possible. This helps ensure the most accurate price comparison and many rates to choose from.
It’s a known fact that insurance companies don’t want you shop around. Drivers who shop around for better prices will most likely buy a different policy because there is a significant possibility of finding more affordable rates. A recent survey found that drivers who faithfully checked for cheaper rates saved approximately $3,500 over four years as compared to drivers who never compared other company’s rates.
If finding the lowest rates on auto insurance in Lubbock is the reason for your visit, then learning a little about how to get free comparison quotes and analyze insurance coverage can make it simple to find affordable coverage.
The best way we recommend to compare rate quotes for GMC Sierra 2500HD insurance in Lubbock is to know the trick most larger insurance companies pay for the opportunity to give free rates quotes. The only thing you need to do is provide details such as if it has an anti-theft system, distance driven, if you’re married, and if your license is active. Those rating factors gets sent immediately to insurance companies and you get price estimates within a short period of time.
To check car insurance prices now, click here and see if a lower rate is available in Lubbock.
The companies in the list below provide quotes in Lubbock, TX. If multiple companies are listed, it’s highly recommended you visit as many as you can to get a more complete price comparison.
Why you need quality insurance for your vehicle
Even though Lubbock Sierra 2500HD insurance rates can get expensive, maintaining insurance is required in Texas but also provides important benefits.
- Just about all states have mandatory insurance requirements which means you are required to buy a minimum amount of liability protection in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Sierra 2500HD, it’s most likely the lender will require that you buy full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may insure your GMC for a much higher rate and require you to reimburse them for it.
- Car insurance protects your GMC Sierra 2500HD and your assets. It will also pay for all forms of medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of having car insurance greatly outweigh the cost, especially with large liability claims. According to a recent study, the average American driver overpays as much as $865 each year so compare rates each time the policy renews to help ensure money is not being wasted.
Facts and figures for GMC Sierra 2500HD insurance
The rate information shown next showcases detailed analysis of rate quotes for GMC Sierra 2500HD models. Understanding how auto insurance prices are calculated is important for making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $378 | $584 | $500 | $30 | $150 | $1,642 | $137 |
| Sierra 2500HD SLE Regular Cab 2WD | $378 | $584 | $564 | $34 | $168 | $1,728 | $144 |
| Sierra 2500HD SLE Crew Cab 4WD | $378 | $584 | $500 | $30 | $150 | $1,642 | $137 |
| Sierra 2500HD SLE Extended Cab 4WD | $378 | $584 | $500 | $30 | $150 | $1,642 | $137 |
| Sierra 2500HD SLE Crew Cab 2WD | $378 | $672 | $564 | $34 | $168 | $1,816 | $151 |
| Sierra 2500HD SLE Extended Cab 2WD | $378 | $672 | $564 | $34 | $168 | $1,816 | $151 |
| Sierra 2500HD SLT Crew Cab 4WD | $378 | $672 | $500 | $30 | $150 | $1,730 | $144 |
| Sierra 2500HD SLT Extended Cab 4WD | $378 | $672 | $500 | $30 | $150 | $1,730 | $144 |
| Sierra 2500HD SLT Extended Cab 2WD | $378 | $672 | $564 | $34 | $168 | $1,816 | $151 |
| Sierra 2500HD SLT Crew Cab 2WD | $422 | $672 | $564 | $34 | $168 | $1,860 | $155 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Table data does not factor in zip code location which can impact coverage rates greatly.
Auto insurance deductibles
When shopping for auto insurance, a common question is which deductible level should you buy. The rates below can help you visualize the difference in cost of buying low and high physical damage deductibles. The first data table uses a $250 physical damage coverage deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Sierra 2500HD SLE Regular Cab 2WD | $332 | $584 | $430 | $26 | $128 | $1,525 | $127 |
| Sierra 2500HD SLE Crew Cab 4WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Sierra 2500HD SLE Extended Cab 4WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Sierra 2500HD SLE Crew Cab 2WD | $332 | $672 | $430 | $26 | $128 | $1,613 | $134 |
| Sierra 2500HD SLE Extended Cab 2WD | $332 | $672 | $430 | $26 | $128 | $1,613 | $134 |
| Sierra 2500HD SLT Crew Cab 4WD | $332 | $672 | $382 | $22 | $114 | $1,547 | $129 |
| Sierra 2500HD SLT Extended Cab 4WD | $332 | $672 | $382 | $22 | $114 | $1,547 | $129 |
| Sierra 2500HD SLT Extended Cab 2WD | $332 | $672 | $430 | $26 | $128 | $1,613 | $134 |
| Sierra 2500HD SLT Crew Cab 2WD | $370 | $672 | $430 | $26 | $128 | $1,651 | $138 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Sierra 2500HD SLE Regular Cab 2WD | $270 | $472 | $430 | $26 | $128 | $1,326 | $111 |
| Sierra 2500HD SLE Crew Cab 4WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Sierra 2500HD SLE Extended Cab 4WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Sierra 2500HD SLE Crew Cab 2WD | $270 | $542 | $430 | $26 | $128 | $1,396 | $116 |
| Sierra 2500HD SLE Extended Cab 2WD | $270 | $542 | $430 | $26 | $128 | $1,396 | $116 |
| Sierra 2500HD SLT Crew Cab 4WD | $270 | $542 | $382 | $22 | $114 | $1,330 | $111 |
| Sierra 2500HD SLT Extended Cab 4WD | $270 | $542 | $382 | $22 | $114 | $1,330 | $111 |
| Sierra 2500HD SLT Extended Cab 2WD | $270 | $542 | $430 | $26 | $128 | $1,396 | $116 |
| Sierra 2500HD SLT Crew Cab 2WD | $300 | $542 | $430 | $26 | $128 | $1,426 | $119 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in specific Lubbock garaging location which can alter insurance rates considerably.
Based on the above data, using a $250 deductible costs about $17 more each month or $204 for a full year than selecting the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go more than 15 months between claims, you would more than likely save some money if you decide on a higher deductible.
The diagram below shows how choosing a deductible and can impact GMC Sierra 2500HD premium costs for different insured age categories. Data assumes a single male driver, full physical damage coverage, and no discounts are applied.
Comparison of auto insurance rates by gender
The illustration below illustrates the comparison of GMC Sierra 2500HD premium costs for male and female drivers. Data assumes no claims or driving citations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are applied to the premium.
Discount Lubbock auto insurance quotes
Companies don’t always publicize every discount very clearly, so the next list breaks down some of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy Lubbock car insurance online.
- Theft Deterrent – Vehicles that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your Lubbock car insurance quote.
- Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
- Low Miles Discount – Driving fewer miles could qualify for lower premium rates on the low mileage vehicles.
- Professional Organizations – Participating in certain professional organizations is a simple method to lower premiums on your policy.
- Life Insurance – Select insurance companies reward you with a lower rate if you buy a life insurance policy as well.
- Discounts for Good Drivers – Drivers without accidents may receive a discount up to 45% compared to rates paid by drivers with frequent claims.
- Bundle and Save – When you have multiple policies and place coverage with the same company you could earn a discount of as much as 10 to 15 percent.
- Telematics Data Discounts – Policyholders that allow their company to analyze vehicle usage by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they have good driving habits.
As is typical with insurance, most of the big mark downs will not be given to the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it just doesn’t work that way.
The illustration below shows the difference between GMC Sierra 2500HD insurance prices with and without discounts applied to the policy premium. The prices are based on a male driver, no claims or driving citations, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-car, multi-policy, safe-driver, and claim-free discounts applied.
Large auto insurance companies and their possible discounts are:
- Farm Bureau has discounts for safe driver, 55 and retired, renewal discount, good student, multi-vehicle, driver training, and youthful driver.
- MetLife offers premium reductions for claim-free, multi-policy, accident-free, good student, defensive driver, and good driver.
- Progressive may have discounts that include homeowner, continuous coverage, online signing, multi-vehicle, and multi-policy.
- AAA may include discounts for AAA membership discount, multi-car, good driver, education and occupation, multi-policy, anti-theft, and good student.
- American Family offers discounts including good student, good driver, multi-vehicle, defensive driver, and early bird.
- GEICO discounts include membership and employees, anti-lock brakes, air bags, good student, seat belt use, emergency military deployment, and driver training.
- State Farm offers discounts for Steer Clear safe driver discount, student away at school, good student, passive restraint, and anti-theft.
If you are trying to find low cost Lubbock car insurance quotes, ask all the companies how you can save money. Savings might not be offered everywhere. If you would like to choose from a list of insurance companies that offer the discounts shown above in Texas, click here to view.
Are insurance agencies obsolete?
A small number of people would rather buy from a local agent and that is just fine! Agents are very good at helping people manage risk and help in the event of a claim. One of the best bonuses of price shopping on the web is the fact that you can find cheap rate quotes and still choose a local agent. Buying insurance from local insurance agencies is definitely important in Lubbock.
After completing this quick form, your coverage information is instantly submitted to local insurance agents who will give you bids to get your business. You won’t even need to leave your house due to the fact that quote results will go to the email address you provide. In the event you want to compare prices from a specific insurance provider, you just need to find their quoting web page to submit a rate quote request.
When searching for a local Lubbock insurance agent, it helps to know the two different types of agents and how they can service your needs differently. Insurance agencies in Lubbock may be either independent or exclusive depending on the company they work for. Both can sell and service insurance coverage, but it’s worth learning why they differ since it may influence the selection process.
Independent Insurance Agents
Agents that choose to be independent are not limited to a single company so they can quote policies through many different insurance companies and help determine which has the cheapest rates. If they quote lower rates, your agent can just switch to a different company and you can keep the same agent. When comparing insurance rates, you should always compare prices from multiple independent agents so that you have a good selection of quotes to compare. A lot of them also have access to different regional companies that may provide cheaper insurance rates.
Listed below is a short list of independent insurance agents in Lubbock that can possibly get you price quote information.
- Area Insurance Associates
4202 Avenue Q – Lubbock, TX 79412 – (806) 747-2400 – View Map - Alliance Insurance Agency
3307 82nd St – Lubbock, TX 79423 – (806) 792-0135 – View Map - Cam Fannin Insurance
1810 50th St – Lubbock, TX 79412 – (806) 747-4422 – View Map
Exclusive Insurance Agencies
Exclusive agencies can usually just insure with one company and some examples include Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agencies are unable to place coverage with different providers so they are skilled at selling on more than just price. Exclusive agencies are usually well trained on what they offer and that can be a competitive advantage. Some consumers prefer to buy insurance from these agents primarily because of the brand name and the convenience of having all coverages with one company.
Listed below is a short list of exclusive agencies in Lubbock that are able to give comparison quotes.
- Scott Powell – State Farm Insurance Agent
3410 98th St Ste 3 – Lubbock, TX 79423 – (806) 793-2855 – View Map - Rebecca Egert – State Farm Insurance Agent
9810 Indiana Ave Ste 120 – Lubbock, TX 79423 – (806) 795-4344 – View Map - Farmers Insurance – Rc Calderon
1314 50th St – Lubbock, TX 79412 – (806) 741-1515 – View Map
Deciding on an insurance agent shouldn’t rely on just the premium amount. The following questions are important to ask.
- Are they able to influence company decisions when a claim is filed?
- Are they full-time agents?
- Do they reduce claim amounts on high mileage vehicles?
- What companies can they write with?
- Do they review policy coverages at every renewal?
- Do they have a Better Business Bureau rating in Lubbock?
- Do the agents have professional certifications like CPCU or CIC?
Your situation helps dictate your coverage
When buying your policy, there really is not a single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply.
For example, these questions may help highlight whether your personal situation might need an agent’s assistance.
- When should I remove comp and collision on my GMC Sierra 2500HD?
- Is extra glass coverage worth it?
- What policy terms are available?
- Should I pay a claim out-of-pocket?
- Why do I only qualify for high-risk insurance?
- Should I get collision insurance on every vehicle?
- Am I covered when driving someone else’s vehicle?
- Do I have newly-acquired coverage?
If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.
Best car insurance in Lubbock
Selecting the right insurance company can be challenging considering how many choices drivers have in Texas. The information shown below could help you analyze which insurers you want to consider when comparing rate quotes.
Top 10 Lubbock Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Cheaper car insurance is out there
Affordable GMC Sierra 2500HD insurance in Lubbock is attainable on the web as well as from insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies may not offer online quoting and usually these regional insurance providers prefer to sell through independent agents.
As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut physical damage coverage only to find out that the savings was not a smart move. Your goal should be to get the best coverage possible at a price you can afford, not the least amount of coverage.
Even more information is located in the articles below:
- Vehicle Safety Ratings (iihs.org)
- Who Has Affordable Lubbock Car Insurance for a Toyota Tundra? (FAQ)
- How Much are Car Insurance Rates for Drivers Under 21 in Lubbock? (FAQ)
- Who Has the Cheapest Auto Insurance for 16 Year Olds in Lubbock? (FAQ)
- Who Has Cheap Car Insurance for Drivers Over Age 60 in Lubbock? (FAQ)
- What Auto Insurance is Cheapest for Drivers with Bad Credit in Lubbock? (FAQ)
- Who Has Cheap Lubbock Auto Insurance for a GMC Sierra? (FAQ)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Teen Driving Statistics (GEICO)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Car Insurance: When not to Skimp (BankRate.com)