How long have you put off shopping around for cheaper Toyota Prius Prime insurance in Lubbock? Being forced to pay for overpriced auto insurance premiums can diminish your savings and put a big crunch on your finances.
It’s easy to assume that auto insurance companies want to keep you from shopping around. Drivers who shop for lower prices will, in all likelihood, move their business because there is a significant possibility of finding a more affordable policy. A study showed that consumers who make a habit of shopping around saved on average $72 a month as compared to drivers who don’t regularly compare prices.
If finding the cheapest price for insurance is why you’re reading this, understanding how to find companies and compare insurance coverage can help you be more efficient. People have so many insurers to insure vehicles with, and although it’s a good thing to have multiple companies, lots of choices makes it harder to compare rates and cut insurance costs.
It is always a good idea to get comparison quotes on a regular basis due to the fact that insurance prices fluctuate regularly. Just because you had the best quotes on Toyota Prius Prime insurance in Lubbock six months ago you can probably find a better rate now. There is a lot of bad information regarding Prius Prime insurance on the internet, but by reading this article, you’re going to learn some great ways to slash your auto insurance rates in Lubbock.
This information will help educate you on how to compare rates easily and how you can save the most money. If you’re already insured, you will most likely be able to buy cheaper auto insurance using these methods. You only need to know the most efficient way to find the lowest price from multiple carriers.
Companies offering competitive Toyota Prius Prime price quotes in Lubbock, TX
The companies shown below provide price comparisons in Lubbock, TX. To locate cheaper car insurance in Lubbock, we recommend you visit several of them to find the lowest auto insurance rates.
Discounts can help to save on Toyota Prius Prime insurance in Lubbock
Some insurance providers don’t necessarily list all available discounts in an easy-to-find place, so we break down some of the more common and the harder-to-find discounts that you can inquire about if you buy Lubbock auto insurance online.
- Low Miles Discount – Keeping the miles down on your Toyota could qualify for cheaper prices.
- Accident Waiver – Not necessarily a discount, but a few companies such as Progressive, State Farm and GEICO will allow you to have one accident without the usual rate increase so long as you haven’t had any claims for a certain period of time.
- Air Bag Discount – Vehicles with factory air bags or automatic seat belts could see savings up to 30%.
- Driver’s Education for Students – Have your child participate in a local driver’s education class as it will make them better drivers and lower rates.
- Discount for Good Grades – Being a good student can save 20 to 25%. Most companies allow this discount up until you turn 25.
- Defensive Driver – Completing a course in driver safety can save you 5% or more and easily pay for the cost of the class.
- Driving Data Discount – Insureds who allow their insurance company to monitor driving patterns by using a telematics device in their vehicle such as Progressive’s Snapshot might get better premium rates if their driving habits are good.
- Buy New and Save – Buying coverage on a new vehicle can save you some money since new vehicles are generally safer.
- Auto/Home Discount – If you combine your homeowners and auto policies and insure them with the same company you will save as much as 10 to 15 percent.
- Safety Restraint Discount – Drivers who require all vehicle occupants to fasten their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only apply to specific coverage prices like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way.
Some of the larger companies that possibly offer these money-saving discounts are:
Double check with all companies you are considering to give you their best rates. Depending on the company, some discounts may not be available in your state. If you would like to see a list of providers that have a full spectrum of discounts in Lubbock, click here to view.
Informed Consumers Know How to Buy Car Insurance for Less
A large part of saving on car insurance is knowing the factors that come into play when calculating your policy premiums. If you understand what determines base rates, this helps enable you to make changes that will entitle you to lower car insurance prices. Many things are part of the equation when you quote your car insurance policy. Most are fairly basic like an MVR report, although others are more obscure like your vehicle usage or how safe your car is.
- Having a spouse is a good thing – Getting married may cut your premiums when buying car insurance. Having a significant other usually means you are more stable financially and statistics show drivers who are married are more cautious.
- The type of vehicle makes a difference – The make and model of the car you are trying to find cheaper insurance for makes a big difference in your auto insurance rates. The cheapest insurance rates will normally be found when insuring lower performance four cylinder passenger models, but the cost you end up paying is determined by many additional factors.
- Insurance costs and driver gender – The statistics show that females take fewer risks when driving. That doesn’t necessarily mean that males are worse at driving than females. Both sexes are in fender benders in similar numbers, but the male of the species have accidents that have higher claims. Not only are claims higher, but men receive more costly citations such as DWI and reckless driving.
- Do you need those extra coverages? – Insurance policies have a lot of extra bells and whistles that you can get tricked into buying on your car insurance policy. Coverage for things like rental car coverage, accident forgiveness, and extra life insurance coverage may be costing you every month. The coverages may be enticing when talking to your agent, but your needs may have changed so eliminate them to save money.
- Deter theft and pay less – Choosing a vehicle that has a built-in theft deterrent system can help bring down rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
Comparing quotes from local Lubbock insurance agents
Certain consumers still like to have an agent’s advice and that is not a bad decision Professional agents can help you choose the best coverages and help in the event of a claim. An additional benefit of comparing rate quotes online is that you can find the lowest rates but still work with a licensed agent. Putting coverage with small agencies is definitely important in Lubbock.
For easy comparison, once you complete this form (opens in new window), the coverage information is instantly submitted to local insurance agents in Lubbock that give free quotes for your insurance coverage. It’s much easier because you don’t need to contact any agents since rate quotes are delivered straight to your inbox. If you have a need to get a comparison quote from a specific company, you would need to find their quoting web page to submit a rate quote request.
Different types of Lubbock auto insurance agents
If you would like to find a local agent, you should know the types of insurance agents that you can select. Insurance agents are classified as either exclusive agents or independent agents. Both can write policy coverage, but it is important to understand how they are different since it can affect buying decisions.
Independent Insurance Agencies or Brokers
These type of agents can sell policies from many different companies and that allows them to write policies with an assortment of companies depending on which coverage is best. If you are not satisfied with one company, they simply move your policy to a different company and you won’t have to switch agencies. If you are comparing insurance prices, you will want to get insurance quotes from several independent agencies in order to have the best price comparison.
Featured below is a list of independent insurance agencies in Lubbock who may provide free insurance rate quotes.
Maria Valeriano Insurance Agency
4210 50th St – Lubbock, TX 79413 – (806) 780-6622 – View Map
Alan Henry Insurance Agency
3405 19th St – Lubbock, TX 79410 – (806) 792-3771 – View Map
Shamburger Agency
12215 Quaker Ave – Lubbock, TX 79424 – (806) 783-8959 – View Map
Exclusive Insurance Agencies
Exclusive insurance agents can only write with one company such as Allstate, State Farm and Farmers Insurance. Exclusive agents cannot place coverage with different providers so they are skilled at selling on more than just price. Exclusive insurance agents are well schooled on their products and sales techniques which helps them sell on service rather than price.
Shown below is a short list of exclusive agencies in Lubbock willing to provide price quotes.
Farmers Insurance – Jules Minne
10210 Frankford Ave Ste 220 – Lubbock, TX 79424 – (806) 783-9519 – View Map
Farmers Insurance – Jim White
4518 50th St – Lubbock, TX 79414 – (806) 792-4416 – View Map
Farmers Insurance – Rhett Richardson
13413 County Rd 1800 Unit D – Lubbock, TX 79424 – (806) 783-9998 – View Map
Finding the right insurance agency should depend on more than just a low price. These are some questions you should get answers to.
- Do they specialize in personal lines coverage in Lubbock?
- How would your car be valued if totaled?
- Does the agency have a current Errors and Omissions policy?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- If they are an independent agency in Lubbock, which companies do they recommend?
- Will one accident increase rates?
- Does the company allow you to choose your own collision repair facility?
- How long has their agency been in business in Lubbock?
Best auto insurance company in Texas
Ending up with the highest-rated insurance provider can be rather challenging considering how many companies there are in Lubbock. The ranking information below can help you pick which providers to look at when shopping around.
Top 10 Lubbock Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Cheaper insurance is a realistic goal
Budget-friendly insurance in Lubbock is attainable online and with local Lubbock insurance agents, so you need to shop Lubbock auto insurance with both to get a complete price analysis. A few companies may not provide online rate quotes and usually these regional insurance providers sell through local independent agents.
We just covered a lot of ways to lower your Toyota Prius Prime insurance prices in Lubbock. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers could even find that the best prices are with an unexpected company. These companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.
How to buy cheaper Toyota Prius Prime insurance in Lubbock
The best way to find lower priced Toyota Prius Prime insurance is to compare quotes annually from companies that insure vehicles in Lubbock. This can be done by following these guidelines.
First, take a little time to learn about the coverage provided by your policy and the modifications you can make to keep rates in check. Many risk factors that cause high rates such as traffic citations and a substandard credit history can be controlled by making small lifestyle or driving habit changes.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only quote rates from one company like Progressive or Farmers Insurance, while independent agents can provide prices from multiple sources.
Third, compare the new rates to your existing coverage and determine if there is any savings. If you can save money and decide to switch, ensure there is no coverage lapse between policies.
Fourth, give notification to your current company of your intention to cancel your current car insurance policy. Submit a down payment along with a signed application to the new company. As soon as you have the new policy, place your new certificate of insurance along with your vehicle registration.
A key point to remember is to use similar limits and deductibles on each quote and and to get rate quotes from every insurance company. This provides an accurate price comparison and and a good selection of different prices.
More resources
- Senior Drivers (Insurance Information Institute)
- Who Has the Cheapest Lubbock Car Insurance for a Nissan Sentra? (FAQ)
- How Much is Lubbock Car Insurance for Lyft Drivers? (FAQ)
- Who Has Cheap Auto Insurance for a Honda Accord in Lubbock? (FAQ)
- How Much are Car Insurance Rates for Drivers Under 21 in Lubbock? (FAQ)
- Who Has Cheap Auto Insurance for Teachers in Lubbock? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Distracted Driving Statistics (Insurance Information Institute)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Safety Tips for Teen Drivers (Insurance Information Institute)