It goes without saying that auto insurance companies don't want policyholders to shop around. Consumers who do rate comparisons are very likely to move their business because they have good chances of finding discount prices. A study showed that people who routinely shopped for cheaper coverage saved on average $860 a year compared to other drivers who never compared other company's rates.
If finding the best rates on car insurance is your objective, then learning about the best way to compare insurance premiums can save time, money, and frustration.
It takes a little time, but the best way to find low-cost car insurance rates is to make a habit of comparing prices annually from insurers who provide car insurance in Lubbock. You can compare prices by following these steps.
Step 1: Read about the coverage provided by your policy and the things you can change to prevent expensive coverage. Many rating criteria that result in higher rates like tickets, at-fault accidents, and bad credit can be rectified by making minor changes to your lifestyle. Keep reading for more details to help prevent expensive coverage and get additional discounts that may be available.
Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO and State Farm, while independent agents can provide rate quotes for a wide range of companies.
Step 3: Compare the new rates to the price on your current policy and see if there is a cheaper rate. If you find a lower rate quote and change companies, ensure there is no coverage lapse between policies.
One tip to remember is that you use the same amount of coverage on every quote request and to quote with as many carriers as you can. This helps ensure the most accurate price comparison and the best price selection.
Finding affordable auto insurance coverage in Lubbock can be easy if you know a few tricks. Basically, every person who needs lower cost auto insurance will probably be able to save money. Although Texas drivers must understand how companies price online insurance because rates are impacted by many factors.
How to buy Ford Freestar insurance online
When looking for affordable Lubbock car insurance quotes, there are a couple ways to compare rate quotes from many available car insurance companies in Texas. One of the best ways to find affordable insurance rates is simply to get online rate quotes. Just keep in mind that comparing more prices gives you a better chance of getting a lower rate than you're paying now. Some insurance companies are not set up to provide Lubbock Freestar insurance quotes online, so you need to compare price estimates from those companies as well.
The providers in the list below are ready to provide quotes in Texas. If your goal is to find the best auto insurance in Lubbock, we suggest you click on several of them in order to find the most competitive rates.
Car insurance in Texas serves several purposes
Despite the fact that car insurance is not cheap in Lubbock, insurance serves several important purposes.
First, just about all states have mandatory insurance requirements which means you are required to carry specific limits of liability coverage if you want to drive legally. 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.
Second, if you bought your car with a loan, it's most likely the lender will stipulate that you have full coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank will be required to insure your Ford at a much higher rate and require you to reimburse them the higher premium.
Third, car insurance protects not only your Ford Freestar but also your financial assets. It will also reimburse you for hospital and medical expenses incurred in an accident. One policy coverage, liability insurance, will also pay attorney fees if someone files suit against you as the result of an accident. If you have damage to your Ford as the result of the weather or an accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance outweigh the cost, particularly for liability claims. On average, a vehicle owner in Lubbock is overpaying over $855 a year so we recommend shopping around at every renewal to make sure the price is not too high.
Score discounts on Lubbock insurance
Auto insurance companies do not advertise the complete list of policy discounts in a way that's easy to find, so the list below details some of the more common in addition to some of the lesser obvious insurance savings.
- Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.
- Sign Early and Save - Some larger companies provide a discount for buying a new policy before your current coverage expires. The savings is around 10%.
- Clubs and Organizations - Joining certain professional organizations is a simple method to lower premiums on your policy.
- Seat Belts Save - Requiring all passengers to buckle their seat belts can save 10% or more off the PIP or medical payment premium.
- Discounts for New Vehicles - Buying insurance coverage on a new vehicle can save you some money since new vehicles have better safety ratings.
- ABS Braking Discount - Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
- Accident Forgiveness - This one isn't a discount, but companies like State Farm, Progressive and GEICO will turn a blind eye to one accident before raising your premiums as long as you don't have any claims for a specific time period.
Discounts lower rates, but some of the credits will not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you can get free auto insurance, insurance companies wouldn't stay in business. But any discount will help reduce the cost of coverage.
A partial list of companies who might offer these discounts are:
When getting free Lubbock car insurance quotes, it's a good idea to each company what discounts are available to you. Some discounts may not be available in Lubbock.
Compare rates but work with a local neighborhood Lubbock car insurance agent
Many people still prefer to go talk to an agent and that is not a bad decision One of the benefits of getting online price quotes is the fact that you can find the lowest rates and still buy from a local agent.
By using this simple form, your insurance data is transmitted to participating agents in Lubbock who will give you quotes for your insurance coverage. You won't even need to search for an agent because quoted prices will be sent directly to you. You can get cheaper insurance rates and an insurance agent to talk to. If you wish to get a rate quote from a particular provider, you just need to jump over to their website and fill out their quote form.
Choosing a insurer requires more thought than just the bottom line cost. These questions are important to ask:
- Does their agency support local causes in Lubbock?
- How much training do they have in personal risk management?
- Can you use your own choice of collision repair facility?
- Is there a local claims center in Lubbock?
- Do they receive special compensation for putting your coverage with one company over another?
- Do they prorate repair cost based on vehicle mileage?
- Can glass repairs be made at your home?
- Do they carry Errors and Omissions coverage?
When researching a reputable insurance agent or broker, it's important to understand the different types of agents that you can choose from. Insurance agents are classified as either independent (non-exclusive) or exclusive.
Exclusive Insurance Agencies
These agents write business for a single company and examples are American Family, State Farm, and AAA. Exclusive agents cannot compare rates from other companies so always compare other rates. Exclusive insurance agents receive extensive training on their products and sales techniques which helps them compete with independent agents. Consumers sometimes buy insurance from these agents mainly due to the brand and the convenience of having a single billing for all their coverages.
The following is a short list of exclusive insurance agents in Lubbock who can help you get rate quotes.
- Mark Jennings - State Farm Insurance Agent
6301 19th St #4 - Lubbock, TX 79407 - (806) 792-4432 - View Map
- Keith Potts - State Farm Insurance Agent
6110 Frankford Ave A - Lubbock, TX 79424 - (806) 794-5084 - View Map
- Farmers Insurance - Jim White
4518 50th St - Lubbock, TX 79414 - (806) 792-4416 - View Map
These type of agents are not required to write business for one company so they can write business through lots of different companies and help determine which has the cheapest rates. To move your coverage to a new company, your agent can switch companies and you can keep the same agent.
When comparing insurance rates, it's a good idea to get rate quotes from at least one independent agent so that you can do a thorough price comparison. A lot of them also have access to companies you've never heard of that may provide cheaper insurance rates.
Listed below are Lubbock independent agents that can give you price quote information.
- Budget Insurance Agency
2508 Auburn St - Lubbock, TX 79415 - (806) 749-8600 - View Map
- Insurance Partners
7335 82nd St # 4 - Lubbock, TX 79424 - (800) 701-5909 - View Map
- Sims-Perrin Insurance
3302 34th St - Lubbock, TX 79410 - (806) 795-4301 - View Map
Texas auto insurance companies
Buying coverage from the highest-rated car insurance provider can be rather challenging considering how many companies sell insurance in Lubbock. The information displayed below can help you analyze which auto insurers to look at comparing prices from.
Top 10 Lubbock Car Insurance Companies Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Top 10 Lubbock Car Insurance Companies Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
Compare auto insurance prices regularly to save
When you buy Lubbock car insurance online, it's very important that you do not reduce needed coverages to save money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.
We just showed you many ways to save on Ford Freestar insurance in Lubbock. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even find the lowest priced auto insurance comes from a company that doesn't do a lot of advertising.
There are still a few companies who do not offer online rate quotes and most of the time these regional insurance providers work with independent agents. Discount Ford Freestar insurance is possible from both online companies in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from.
Additional information can be read on the following sites:
- Auto Insurance Learning Center (State Farm)
- What Insurance is Cheapest for Seniors in Lubbock? (FAQ)
- What Auto Insurance is Cheapest for a Honda Civic in Lubbock? (FAQ)
- What Auto Insurance is Cheapest for a Ford Escape in Lubbock? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Teen Driving and Texting (State Farm)
- Child Safety FAQ (iihs.org)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)