Lincoln Continental Insurance Quotes in Lubbock

Discount Lincoln Continental insuranceAmazingly, about 70% of customers kept buying from the same company for more than four years, and just short of a majority have never quoted auto insurance rates at all. Drivers in Texas could cut their rates by as much as $1,800 a year, but most tend to underestimate the large savings they would see if they moved their coverage to a different company.

It takes a little time, but the best way to get discount Lincoln Continental insurance is to start doing an annual price comparison from insurance carriers that sell auto insurance in Lubbock. You can shop around by following these steps.

One bit of advice is that you’ll want to compare similar limits and deductibles on each price quote and and to get price estimates from every insurance company. Doing this helps ensure an apples-to-apples comparison and maximum price selection.

Just remember that making a lot of price comparisons helps you find the best price.

The following companies can provide comparison quotes in Lubbock, TX. If you want the best auto insurance in Lubbock, we suggest you get rates from several of them to get the lowest price.

Discount Lubbock auto insurance quotes

Car insurance companies don’t necessarily list the entire discount list very well, so the following is a list of some of the more common as well as the least known credits available to bring down your rates.Cheaper auto insurance with discounts

One last thing about discounts, most discounts do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, it’s just not the way it works.

Some of the larger companies that may offer quotes with some of the above discounts possibly include:

When comparing rates, check with every insurance company what discounts are available to you. Savings may not be offered in your state. To see companies that offer multiple discounts in Texas, click this link.

Why You Might Pay Inflated Rates in Lubbock

Many things are used when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, but some are less obvious like your vehicle usage or your financial responsibility.

Gender and insurance premiums – Statistics show that women are safer drivers than men. This data doesn’t prove that men are worse drivers. Men and women are in accidents in similar numbers, but guys tend to have more serious accidents. Men also tend to receive more costly citations like DWI (DUI) or reckless driving.

High performance equals high costs – The performance of the car or truck you need insurance for makes a significant difference in determining your rates. Economy passenger cars usually have the lowest premiums, but your final cost has many other factors.

Marriage can lower premiums – Having a spouse may cut your premiums when buying auto insurance. It means you’re more mature and responsible and it’s proven that married couples file fewer claims.

Avoid traffic tickets – A bad driving record impacts your car insurance rates tremendously. Having a single moving violation may increase your cost by as much as twenty percent. Good drivers get better prices than bad drivers. Drivers who get flagrant tickets like reckless driving or DUI may face state-mandated requirements to file a SR-22 with their state’s licensing department in order to continue driving.

What are good liability protection limits? – The liability section of your policy is the coverage that protects you if you are responsible for damages caused by your negligence. Liability insurance provides you with a defense in court to attempt to prove you were not liable. It is affordable coverage when compared with rates for comp and collision, so buy as much as you can afford.

Premiums can be impacted by your employer – Do you have a high-stress occupation? Jobs like military personnel, airline pilots, and medical professionals tend to have higher premium rates in part from stressful work requirements and lengthy work days. On the other hand, jobs like scientists, students and homemakers have the lowest average rates.

Do I need a local insurance agent?

Some people still prefer to get professional advice from a licensed agent and that is a smart decision An additional benefit of comparing insurance online is you may find cheaper rates and still buy from a local agent.

Insurance agents in LubbockTo make it easy to find an agent, after completing this form (opens in new window), the coverage information is submitted to participating agents in Lubbock who will return price quotes for your business. It’s much easier because you don’t need to search for any insurance agencies because prices are sent to your email. You can find the lowest rates and work with a local agent. If you have a need to get a rate quote from a particular provider, you just need to jump over to their website and submit a quote form there.

Picking the best company requires you to look at more than just the bottom line cost. Before buying a policy in Lubbock, get answers to these questions.

Exclusive or Independent: There is a difference

If you need to find a local agent, you should know the types of insurance agents and how they function. Agencies in Lubbock can be classified as either independent or exclusive depending on the company they work for.

Exclusive Insurance Agencies

Agents that elect to be exclusive generally can only insure with one company such as Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot shop your coverage around so you need to shop around if the rates are high. Exclusive insurance agents are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums. Some people will only buy insurance from these agents mainly due to the brand and solid financial strength.

Shown below is a list of exclusive agencies in Lubbock willing to provide comparison quotes.

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Independent Insurance Agencies

These type of agents are not employed by one company so they can insure your vehicles with multiple insurance companies and find you cheaper rates. If they find a cheaper price, the business is moved internally without you having to go to a different agency.

If you are trying to find cheaper rates, you should always get rate quotes from a couple of independent agencies to maximize your price options. A lot of them also have access to smaller companies that may provide cheaper insurance rates.

Listed below is a short list of independent insurance agents in Lubbock who can help you get price quotes.

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Car insurance companies ranked

Finding the top insurance provider can be rather challenging considering how many companies are available to choose from in Lubbock. The ranking data shown next could help you analyze which car insurance companies you want to consider when comparing rate quotes.

Top 10 Lubbock Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Lubbock Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

You can lower your auto insurance rates

Low-cost Lincoln Continental insurance in Lubbock is available from both online companies as well as from independent agents in Lubbock, so you should be comparing quotes from both to get a complete price analysis. A few companies may not offer the ability to get a quote online and many times these regional carriers only sell coverage through independent insurance agencies.

We just covered some good ideas how to reduce Lincoln Continental insurance car insurance rates online in Lubbock. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising.

Insureds leave their current company for any number of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, being labeled a high risk driver and even not issuing a premium refund. It doesn’t matter what your reason, finding a new company can be easy and end up saving you some money.

More detailed auto insurance information is located in these articles: