If you want to find the absolute lowest rates, then the best way to save money on auto insurance rates is to start comparing prices regularly from different companies who can sell car insurance in Lubbock.
- It will benefit you to learn about how companies price auto insurance and the changes you can make to keep rates down. Many factors that increase rates such as traffic citations, accidents, and a bad credit rating can be eliminated by paying attention to minor details. Read the full article for instructions to get low prices and get bigger discounts that may have been overlooked.
- Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO and State Farm, while independent agencies can provide prices from many different companies.
- Compare the new rates to your existing policy and determine if there is any savings. If you find a lower rate quote, ensure coverage does not lapse between policies.
- Notify your agent or company of your intention to cancel your current coverage and submit a down payment and signed policy application to your new agent or company. Be sure to keep your new proof of insurance certificate in your glove compartment.
One tip to remember is that you’ll want to compare identical coverage information on each quote and and to get quotes from every company you can. This guarantees the most accurate price comparison and the most accurate and complete price analysis.
Astonishing but true, most insurance buyers in Texas have been with the same company for over three years, and practically 40% of insurance customers have never quoted rates to find cheaper coverage. U.S. drivers could save almost 47% a year just by comparing rates, but they just assume it takes a lot of time to compare rate quotes.
Getting a cheaper price on Nissan Quest insurance is pretty simple and can save money. All that’s required is to spend a few minutes on the computer to get quotes to find the company with affordable Lubbock auto insurance quotes.
It’s so easy to compare quotes online that it replaces the need to spend your day driving to each insurance agency near you. The ability to buy insurance online reduces the need to sit down with an agent unless you’re the type of person who wants the extra assistance of a local agency. It is possible with some companies comparison shop online and get advice from an agent in your area.
The companies in the list below are our best choices to provide price comparisons in Lubbock, TX. If you want to find the cheapest auto insurance in Lubbock, it’s a good idea that you get prices from several of them to get the best price comparison.
Do you qualify for discounts on Nissan Quest insurance in Lubbock?
The cost of insuring your cars can be expensive, but there could be available discounts that you may not even know about. A few discounts will be applied at the time you complete a quote, but a few need to be inquired about before you will receive the discount.
- ABS and Traction Control Discounts – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
- Full Payment Discount – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
- Save with a New Car – Buying auto insurance coverage on a new vehicle is cheaper compared to insuring an older model.
- Student Driver Training – Teen drivers should complete a driver education course in school.
- Government Employee Discount – Simply working for the federal government can earn a discount up to 10% depending on your auto insurance provider.
- Safety Restraint Discount – Forcing all vehicle occupants to wear their seat belts can save 10% or more off PIP or medical payments premium.
Just know that some credits don’t apply to the overall cost of the policy. Most only cut individual premiums such as medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.
To choose companies with significant discounts in Lubbock, follow this link.
Independent versus exclusive insurance agencies
Some consumers still prefer to talk to a local agent and that is not a bad decision Good agents can point out coverage gaps and help submit paperwork. One of the great benefits of getting online price quotes is that you can find cheap auto insurance rates and still buy from a local agent. Buying insurance from local insurance agents is definitely important in Lubbock.
To find an agent, once you fill out this short form, your insurance data is immediately sent to agents in your area who want to provide quotes for your coverage. There is no need to leave your house due to the fact that quote results will go directly to you. If for some reason you want to get a rate quote for a specific company, you can always jump over to their website to submit a rate quote request.
Below is a short list of insurance companies in Lubbock that may be able to provide price quote information for Nissan Quest insurance in Lubbock.
Dick Phillips – State Farm® Insurance Agent
5740 82nd St – Lubbock, TX 79424 – (806) 799-4651 – View Map
Farmers Insurance – Rhett Richardson
13413 County Rd 1800 Unit D – Lubbock, TX 79424 – (806) 783-9998 – View Map
Allstate Insurance Agent: Patrick Bailey
6701 Aberdeen Ave Ste 2 – Lubbock, TX 79424 – (806) 798-1340 – View Map
Rebecca Egert – State Farm Insurance Agent
9810 Indiana Ave Ste 120 – Lubbock, TX 79423 – (806) 795-4344 – View Map
Finding the right insurance company requires you to look at more than just the premium amount. Any agent in Lubbock should be forthright in answering these questions:
- Do they offer rental car reimbursement?
- Will the quote change when the policy is issued?
- Do they specialize in personal lines auto insurance in Lubbock?
- Is assistance available after office hours?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Are they paid to recommend certain coverages?
- What company do they have the most business with?
- When do they do a full risk review?
Why You Might Pay Increased Rates in Lubbock
Part of the insurance buying process is learning the different types of things that aid in calculating your policy premiums. When you know what positively or negatively controls the rates you pay, this helps enable you to make changes that can help you get much lower annual insurance costs. Many factors are considered when you get your auto insurance bill. Most are fairly basic such as your driving record, although others are not as apparent such as your credit history or how financially stable you are.
Compare rates if you combine your policies – Some companies apply lower prices to clients who buy several policies from them in the form of a multi-policy discount. Discounts can be ten percent or more. Even with this discount, you still need to compare other Lubbock Quest insurance rates to confirm you are receiving the best rates possible. You may still save even more than the discount by buying insurance from more than one company.
Insurance claims cost money – If you tend to file frequent claims, you can definitely plan on higher rates. Car insurance companies in Texas generally give better rates to drivers who only file infrequent claims. Insurance coverage is designed for the large, substantial claims.
Always have insurance – Not maintaining insurance is a misdemeanor and your next policy will cost more because you let your insurance lapse for non-payment. And not only will your rates increase, getting caught without coverage could earn you fines or a revoked license. You may need to prove you have insurance by filing a SR-22 with the Texas DMV.
Your car’s features help determine insurance rates – Driving a car that has an advanced theft prevention system can help bring down rates. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop auto theft and help lower rates.
Low deductibles mean high rates – Physical damage protection, also known as collision and other-than-collision, covers damage that occurs to your Nissan. Examples of covered claims are a windshield shattered by a rock, damage caused by hail, and burglary. Deductibles for physical damage are how much you are willing to pay if a covered claim is submitted. The more damage repair cost you have to pay, the bigger discount you will receive.
Pleasure use or commuting – The more you drive annually the more it will cost to insure it. The majority of insurers calculate prices determined by how the vehicle is used. Vehicles that sit idle most of the time receive lower rates than those used for commuting. Incorrect rating for your Quest can cost quite a bit. Double check that your insurance policy reflects the correct driver usage.
Drive a fast vehicle and pay more – The type of car you are buying insurance for makes a substantial difference in your car insurance bill. The lowest performance passenger models usually have the lowest premiums, but your final cost has many other factors.
Nissan Quest insurance loss statistics – Insurance companies include the past claim trends for vehicles to help set a rate to offset losses. Models that have higher loss trends will have higher rates for specific coverages.
The table below illustrates the insurance loss data used by companies for Nissan Quest vehicles. For each policy coverage, the statistical loss for all vehicles compiled together is considered to be 100. Values under 100 suggest a positive loss record, while percentages above 100 point to more frequent losses or a tendency for claims to be larger.
| Specific Nissan Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Nissan Quest | 96 | 103 | 94 | 120 | 115 | 98 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Protect more than your vehicle
Even though it can be expensive, insurance is a good idea for several reasons.
- Almost all states have compulsory liability insurance requirements which means you are required to carry a specific minimum amount of liability insurance coverage in order to be legal. 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 took out a loan on your Quest, more than likely the lender will stipulate that you have insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank will be required to insure your Nissan for a lot more money and make you pay the higher price.
- Car insurance protects both your Nissan Quest and your personal assets. Insurance will also pay for medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay to defend you in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to repair the damage minus the deductible amount.
The benefits of having car insurance definitely exceed the price paid, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is wasting up to $869 every year so compare rates every year to be sure current rates are still competitive.
Best auto insurance in Texas
Picking the best company can be difficult considering how many choices there are in Texas. The ranking information shown next could help you choose which auto insurance companies to look at buying from.
Top 10 Lubbock Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Lubbock Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Be persistent and save
Some companies do not offer rate quotes online and these smaller companies only sell through independent insurance agencies. Lower-priced Nissan Quest insurance in Lubbock is possible from both online companies in addition to local insurance agencies, and you should compare price quotes from both in order to have the best price selection to choose from.
You just learned some good ideas how you can compare Nissan Quest insurance premium rates in Lubbock. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding low cost Lubbock auto insurance quotes. You may even discover the biggest savings come from a small mutual company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.
More tips and info about auto insurance is available at these sites:
- State Car Insurance Guides (GEICO)
- Who Has Affordable Lubbock Car Insurance Quotes for a Company Car? (FAQ)
- Who Has Cheap Auto Insurance for Teachers in Lubbock? (FAQ)
- How Much is Lubbock Auto Insurance for Low Credit Scores? (FAQ)
- What Car Insurance is Cheapest for 4×4 Vehicles in Lubbock? (FAQ)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Prom Night Tips for Teen Drivers (State Farm)
- Young Drivers: The High Risk Years Video (iihs.org)
- Red Light Cameras (State Farm)