A recent car insurance study revealed that the vast majority of consumers kept their policy with the same company for four years or more, and about 40% of consumers have never compared rates to find affordable insurance. The average driver in the United States could save an average of almost $860 each year by just comparing quotes, but they don’t want to spend time to find affordable rates by getting comparison quotes.
If you want to save money, the best way to find cheaper quotes for auto insurance rates in Lubbock is to begin comparing prices regularly from insurers who provide auto insurance in Texas.
- Take a little time to learn about what is in your policy and the changes you can make to prevent high rates. Many rating criteria that cause rate increases like traffic violations, accidents, and poor credit history can be improved by making small lifestyle or driving habit changes.
- Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like GEICO and Allstate, while agents who are independent can provide prices for many different companies.
- Compare the new rate quotes to your existing policy and determine if there is any savings. If you can save some money and make a switch, make sure there is no lapse in coverage.
- Notify your company or agent to cancel your current coverage. Submit a down payment along with a signed application to the new insurer. Immediately store the certificate verifying coverage somewhere easily accessible.
The key thing to remember is that you’ll want to make sure you compare the same level of coverage on every price quote and and to compare every insurance company. Doing this helps ensure an apples-to-apples comparison and maximum price selection.
If you have coverage now or are looking for a new policy, you will benefit by learning to save money without sacrificing coverage. These tips will teach you a little about how auto insurance companies operate and some tricks to saving. Smart buyers just have to understand the best way to find the lowest price from multiple carriers.
Affordable car insurance in Lubbock, TX
The companies shown below offer free rate quotes in Lubbock, TX. If you want to find the best cheap car insurance in Lubbock, it’s highly recommended you visit as many as you can to get a more complete price comparison.
Detailed insurance information
The premium information shown next highlights estimates of coverage costs for Honda Civic models. Having knowledge of how auto insurance policy rates are calculated can be useful when making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $136 | $306 | $430 | $26 | $128 | $1,026 | $86 |
| Civic VP 4-Dr Sedan | $136 | $360 | $430 | $26 | $128 | $1,080 | $90 |
| Civic LX 4-Dr Sedan | $136 | $360 | $430 | $26 | $128 | $1,080 | $90 |
| Civic DX 2-Dr Coupe | $136 | $360 | $538 | $32 | $162 | $1,228 | $102 |
| Civic EX 4-Dr Sedan | $136 | $360 | $430 | $26 | $128 | $1,080 | $90 |
| Civic LX-S 4-Dr Sedan | $136 | $360 | $430 | $26 | $128 | $1,080 | $90 |
| Civic LX 2-Dr Coupe | $136 | $414 | $538 | $32 | $162 | $1,282 | $107 |
| Civic EX-L 4-Dr Sedan | $156 | $414 | $430 | $26 | $128 | $1,154 | $96 |
| Civic SI 4-Dr Sedan | $156 | $414 | $430 | $26 | $128 | $1,154 | $96 |
| Civic EX 2-Dr Coupe | $156 | $414 | $538 | $32 | $162 | $1,302 | $109 |
| Civic GX 4-Dr Sedan | $156 | $414 | $430 | $26 | $128 | $1,154 | $96 |
| Civic EX-L 2-Dr Coupe | $156 | $414 | $538 | $32 | $162 | $1,302 | $109 |
| Civic Hybrid 4-Dr Sedan | $176 | $360 | $430 | $26 | $128 | $1,120 | $93 |
| Civic SI 2-Dr Coupe | $176 | $470 | $538 | $32 | $162 | $1,378 | $115 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates considerably.
How high should deductibles be?
When comparing insurance rates, the most common question is which deductible level should you buy. The comparisons below may aid in understanding how much more you’ll pay when you buy lower versus higher policy deductibles. The first data table uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $286 | $592 | $382 | $22 | $114 | $1,421 | $118 |
| Civic VP 4-Dr Sedan | $286 | $698 | $382 | $22 | $114 | $1,527 | $127 |
| Civic LX 4-Dr Sedan | $286 | $698 | $382 | $22 | $114 | $1,527 | $127 |
| Civic DX 2-Dr Coupe | $286 | $698 | $476 | $28 | $142 | $1,655 | $138 |
| Civic EX 4-Dr Sedan | $286 | $698 | $382 | $22 | $114 | $1,527 | $127 |
| Civic LX-S 4-Dr Sedan | $286 | $698 | $382 | $22 | $114 | $1,527 | $127 |
| Civic LX 2-Dr Coupe | $286 | $804 | $476 | $28 | $142 | $1,761 | $147 |
| Civic EX-L 4-Dr Sedan | $328 | $804 | $382 | $22 | $114 | $1,675 | $140 |
| Civic SI 4-Dr Sedan | $328 | $804 | $382 | $22 | $114 | $1,675 | $140 |
| Civic EX 2-Dr Coupe | $328 | $804 | $476 | $28 | $142 | $1,803 | $150 |
| Civic GX 4-Dr Sedan | $328 | $804 | $382 | $22 | $114 | $1,675 | $140 |
| Civic EX-L 2-Dr Coupe | $328 | $804 | $476 | $28 | $142 | $1,803 | $150 |
| Civic Hybrid 4-Dr Sedan | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Civic SI 2-Dr Coupe | $370 | $908 | $476 | $28 | $142 | $1,949 | $162 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Civic DX 4-Dr Sedan | $158 | $312 | $382 | $22 | $114 | $988 | $82 |
| Civic VP 4-Dr Sedan | $158 | $368 | $382 | $22 | $114 | $1,044 | $87 |
| Civic LX 4-Dr Sedan | $158 | $368 | $382 | $22 | $114 | $1,044 | $87 |
| Civic DX 2-Dr Coupe | $158 | $368 | $476 | $28 | $142 | $1,172 | $98 |
| Civic EX 4-Dr Sedan | $158 | $368 | $382 | $22 | $114 | $1,044 | $87 |
| Civic LX-S 4-Dr Sedan | $158 | $368 | $382 | $22 | $114 | $1,044 | $87 |
| Civic LX 2-Dr Coupe | $158 | $424 | $476 | $28 | $142 | $1,228 | $102 |
| Civic EX-L 4-Dr Sedan | $182 | $424 | $382 | $22 | $114 | $1,124 | $94 |
| Civic SI 4-Dr Sedan | $182 | $424 | $382 | $22 | $114 | $1,124 | $94 |
| Civic EX 2-Dr Coupe | $182 | $424 | $476 | $28 | $142 | $1,252 | $104 |
| Civic GX 4-Dr Sedan | $182 | $424 | $382 | $22 | $114 | $1,124 | $94 |
| Civic EX-L 2-Dr Coupe | $182 | $424 | $476 | $28 | $142 | $1,252 | $104 |
| Civic Hybrid 4-Dr Sedan | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Civic SI 2-Dr Coupe | $206 | $478 | $476 | $28 | $142 | $1,330 | $111 |
| 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 homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Premium costs do not factor in specific location information which can modify auto insurance rates considerably.
Using the premium rates above, we can conclude that using a $100 deductible could cost the average driver approximately $44 more each month or $528 annually than buying the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you go at least 20 months between claim filings, you would save more money if you opt for a higher deductible.
The illustration below highlights how deductible choice and can influence Honda Civic insurance prices for each age group. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Violations and accidents raise rates
The chart below shows how violations and at-fault accidents can influence Honda Civic car insurance rates for each age group. The data assumes a married male driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
Do you need full coverage?
The example below compares Honda Civic insurance costs with liability coverage only compared to full coverage. The premiums assume no accidents, no driving violations, $100 deductibles, drivers are single, and no policy discounts are applied.
Are you wasting money paying for full coverage?
There is no exact rule of when to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your Honda Civic settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after you pay the deductible. If you are paying over $500 annually to have full coverage, then you might consider buying liability only.
There are some cases where dropping full coverage is not recommended. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Auto insurance quotes and discounts
Buying auto insurance is not cheap, but you may be missing some discounts that can help lower your rates. Some discounts apply automatically when you get a quote, but some must be manually applied before being credited.
- Multiple Cars – Insuring primary and secondary vehicles on one policy can reduce rates for all insured vehicles.
- Anti-lock Brake Discount – Cars with ABS braking systems or traction control are much safer to drive and will save you 10% or more on Civic insurance in Lubbock.
- Onboard Data Collection – Drivers that enable their auto insurance company to spy on when and where they use their vehicle by using a telematics device such as State Farm’s In-Drive might get better premium rates if their driving habits are good.
- Active Military Service – Having an actively deployed family member may qualify for rate reductions.
- Claim-Free Discount – Claim-free drivers are rewarded with significantly better rates on Lubbock auto insurance quote as opposed to bad drivers.
- Responsible Driver Discounts – Insureds without accidents could pay up to 40% less than their less cautious counterparts.
A little note about advertised discounts, some credits don’t apply to your bottom line cost. A few only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, nobody gets a free ride.
The chart below visualizes the comparison of Honda Civic auto insurance rates with and without discounts applied to the premium. The data is based on a female driver, no claims or violations, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, safe-driver, homeowner, and marriage discounts applied.
A few popular companies and some of the discounts are shown below.
- Farmers Insurance discounts include business and professional, switch companies, pay in full, multi-car, and early shopping.
- State Farm may offer discounts for accident-free, anti-theft, multiple autos, student away at school, and good student.
- Liberty Mutual may have discounts that include good student, new graduate, new move discount, safety features, newly married, teen driver discount, and multi-policy.
- MetLife may include discounts for claim-free, good student, defensive driver, multi-policy, accident-free, and good driver.
- Progressive offers discounts including multi-policy, online signing, online quote discount, homeowner, and good student.
Check with every prospective company what discounts are available to you. Some of the earlier mentioned discounts may not be offered in Lubbock. To see a list of auto insurance companies with discount rates in Texas, follow this link.
Buying from car insurance agents
Some consumers still prefer to buy from a local agent and that is just fine! Licensed agents can make sure you are properly covered and help submit paperwork. One of the benefits of comparing insurance prices online is you can get cheap car insurance rates but also keep your business local.
Upon completion of this form (opens in new window), your insurance coverage information gets sent to agents in your area that provide free Lubbock auto insurance quotes for your business. There is no reason to do any legwork as quotes are delivered to you directly. If you wish to get a rate quote from a specific company, you can always visit that company’s website and give them your coverage information.
Finding a good company requires more thought than just a cheap price. Here are some questions you might want to ask.
- Is auto insurance their primary focus in Lubbock?
- Do they offer claims assistance after hours?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Did they already check your driving record and credit reports?
- Do they get extra compensation for selling add-on coverages?
- Which insurance company do they prefer to write with?
- When do they do a full risk review?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
The type of car insurance agent you choose is important
If you are searching for a local Lubbock insurance agent, there are a couple of different types of agents from which to choose. Car insurance policy providers are either exclusive or independent agents depending on their company appointments. Either can sell car insurance policies, but we need to point out the differences because it can impact which type of agent you select.
Exclusive Agents
Agents of this type are contracted to one company and some examples include Farmers Insurance or State Farm. These agents are not able to give you multiple price quotes so always compare other rates. Exclusive agencies are very knowledgeable on what they offer which helps them sell on service rather than price. Consumers sometimes use the same agent primarily because of the prominence of the brand and solid financial strength.
Listed below is a short list of exclusive insurance agencies in Lubbock who can help you get price quote information.
- Allstate Insurance Agent: Bill Eggar
10101 Quaker Ave – Lubbock, TX 79424 – (806) 792-5200 – View Map - Jason Grisham – State Farm® Insurance Agent
1102 Slide Rd, 33 – Lubbock, TX 79416 – (806) 793-3101 – View Map - Mike Fox – State Farm Insurance Agent
5910 130th St #101 – Lubbock, TX 79424 – (806) 701-5234 – View Map
Independent Agencies or Brokers
These type of agents are not locked into one company so they can insure your vehicles with any number of different companies and find the cheapest car insurance rates. If prices rise, they simply switch companies in-house which makes it simple for you.
If you are comparing car insurance prices, you will definitely want to compare quotes from several independent insurance agents to maximize your price options. Most have the option of insuring with mutual insurance companies that may have much lower rates than larger companies.
Listed below are independent insurance agencies in Lubbock who can help you get price quote information.
- Sims-Perrin Insurance
3302 34th St – Lubbock, TX 79410 – (806) 795-4301 – View Map - David Tate Insurance Agency LLP
5233 79th St – Lubbock, TX 79424 – (806) 794-1177 – View Map - Shamburger Agency
12215 Quaker Ave – Lubbock, TX 79424 – (806) 783-8959 – View Map
Auto insurance 101
Learning about specific coverages of a auto insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for X-ray expenses, ambulance fees, doctor visits and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay
Comprehensive coverage
This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as falling objects, rock chips in glass, damage from getting keyed and damage from a tornado or hurricane. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Auto collision coverage
Collision coverage will pay to fix damage to your Civic from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as colliding with a tree, sustaining damage from a pot hole, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also choose a higher deductible on your Civic to save money on collision insurance.
Uninsured/Underinsured Motorist coverage
This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Honda Civic.
Since many Texas drivers have only the minimum liability required by law (Texas limits are 30/60/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.
Liability
Liability insurance protects you from damage or injury you incur to other people or property. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 30/60/25 that translate to a $30,000 limit per person for injuries, a per accident bodily injury limit of $60,000, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers things like loss of income, bail bonds, repair costs for stationary objects, medical services and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford. Texas state law requires minimum liability limits of 30/60/25 but drivers should carry more liability than the minimum.
The next chart demonstrates why minimum state limits may not be high enough to cover claims.
Compare car insurance prices regularly to save
Lower-priced car insurance in Lubbock can be sourced both online and from local insurance agents, so you need to quote Lubbock auto insurance with both so you have a total pricing picture. Some companies do not provide the ability to get a quote online and many times these small, regional companies sell through local independent agencies.
We’ve covered a lot of techniques to find cheap Honda Civic insurance in Lubbock. It’s most important to understand that the more you quote Lubbock auto insurance, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a small local company.
Drivers leave their current company for any number of reasons including policy cancellation, high rates after DUI convictions, delays in paying claims and even unfair underwriting practices. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.
To read more, feel free to browse the articles below:
- Teen Driver Statistics (Insurance Information Institute)
- What Auto Insurance is Cheapest for College Students in Lubbock? (FAQ)
- Who Has Affordable Car Insurance Quotes for High Mileage Drivers in Lubbock? (FAQ)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Safety Features for Your New Car (State Farm)