It’s astonishing, but most car insurance buyers in Texas renewed their policy with the same company for four years or more, and nearly 40% of drivers have never taken the time to shop around. Many consumers in America can save hundreds of dollars each year by just comparing rate quotes, but they don’t understand how simple it is to go online and compare rates.
To save the most money, the best way to find low-cost Saturn L300 insurance is to compare prices regularly from insurance carriers that insure vehicles in Lubbock.
Step 1: Try to learn a little about the different coverages in a policy and the factors you can control to keep rates in check. Many rating factors that increase rates like speeding tickets, careless driving and bad credit can be improved by being financially responsible and driving safely.
Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like GEICO and State Farm, while agents who are independent can give you price quotes for many different companies.
Step 3: Compare the new quotes to your current policy premium to see if a cheaper price is available. If you find a better price, make sure coverage does not lapse between policies.
Step 4: Tell your current company of your intent to cancel your current car insurance policy and submit a down payment along with a completed application for your new policy. Immediately upon receiving it, safely store the certificate verifying proof of insurance in an easily accessible location.
An essential thing to point out is to try to use similar deductibles and liability limits on each quote request and and to get rate quotes from as many carriers as you can. Doing this provides a level playing field and many rates to choose from.
The fastest way that we advise to get policy rate comparisons for Saturn L300 insurance in Lubbock is to know the trick almost all companies participate in a system to compare rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details including driver ages, if you lease or own, the type of vehicles you drive, and what your job is. That information is instantly submitted to multiple top-rated companies and they provide comparison quotes within a short period of time.
If you wish to get multiple quotes for your car now, click here and see if a lower rate is available in Lubbock.
The companies shown below have been selected to offer price comparisons in Lubbock, TX. If you want cheap car insurance in TX, we recommend you visit as many as you can to get the best price comparison.
Don’t neglect these six premium slashing discounts
Some insurance providers don’t always advertise every possible discount very well, so below is a list a few of the more common in addition to some of the lesser obvious credits that may apply to you.
- Seat Belt Discounts – Drivers who require all vehicle occupants to fasten their seat belts may be able to save a few bucks on medical payment and PIP coverage.
- Anti-lock Brake Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
- Discount for Life Insurance – Some insurance companies give a discounted rate on car insurance if you buy a life insurance policy as well.
- Drivers Ed for Students – Have your child participate in a local driver’s education class if offered at their school.
- Policy Bundle Discount – If you can combine your auto and homeowners policy with the same company you could save up to 20% and get you cheaper L300 insurance.
- Employee of Federal Government – Federal government employees may qualify for a discount when you quote Lubbock car insurance with some auto insurance companies.
As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as comp or med pay. Despite the appearance that you can get free auto insurance, it’s just not the way it works.
Companies and some of the premium reductions they offer are shown below.
- State Farm policyholders can earn discounts including student away at school, passive restraint, multiple policy, good driver, and safe vehicle.
- GEICO includes discounts for multi-vehicle, membership and employees, federal employee, five-year accident-free, and anti-lock brakes.
- Liberty Mutual offers discounts for good student, multi-car, hybrid vehicle, new vehicle discount, and newly retired.
- The Hartford may offer discounts for defensive driver, driver training, anti-theft, bundle, and vehicle fuel type.
- MetLife may include discounts for accident-free, good student, claim-free, defensive driver, multi-policy, good driver
- Progressive may have discounts that include multi-policy, multi-vehicle, online signing, homeowner, and good student.
Before you buy a policy, ask all companies you are considering which discounts can lower your rates. Savings may not apply to policyholders everywhere. To view insurance companies that can offer you the previously mentioned discounts in Texas, follow this link.
You may need help from an insurance agency
Certain consumers still like to sit down with an agent and that can be a great decision One of the best bonuses of comparing insurance prices online is you may find cheaper rates and still choose a local agent.
Upon completion of this form (opens in new window), the coverage information gets sent to companies in Lubbock who will return price quotes to get your business. You won’t even need to contact an agency because prices are sent straight to your inbox. You can get cheaper auto insurance rates without the usual hassles of price shopping. If you want to compare rates for a specific company, don’t hesitate to go to their quote page and give them your coverage information.
Picking the best company requires more thought than just a cheap price. Get answers to these questions too.
- Did they already check your driving record and credit reports?
- Can they help ensure a fair claim settlement?
- Can you get a list of referrals?
- When do they do a full risk review?
- Are they actively involved in the community?
- If your car is totaled, how to they determine the replacement cost?
- Are there any discounts that you might be missing?
- Which insurance companies are they affiliated with?
Pick the best car insurance agent in Lubbock for you
When narrowing the list to find local Lubbock agents, it’s important to understand the different agency structures and how they can write your policy. Lubbock agents are categorized either independent agents or exclusive agents depending on their employer.
These agents can only provide one company’s prices and examples are State Farm, AAA, and Liberty Mutual. Exclusive agents are unable to shop your coverage around so they are skilled at selling on more than just price. Exclusive agents are well trained on what they offer which helps them sell insurance even at higher premiums.
Shown below are Lubbock exclusive agencies willing to provide price quotes.
Independent Insurance Agents
Independent agencies are appointed with more than one company so they can insure your vehicles with lots of companies and get the cheapest rates. If you want to switch companies, an independent agent can move your coverage and you won’t have to switch agencies. When comparing auto insurance prices, we recommend you check rates from at a minimum one independent agency to maximize your price options.
Listed below are Lubbock independent agencies that can give you price quote information.
Maria Valeriano Insurance Agency
4210 50th St – Lubbock, TX 79413 – (806) 780-6622 – View Map
Will just any policy work for me?
When it comes to buying a policy for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.
These are some specific questions might point out whether or not you might need an agent’s assistance.
- Do I benefit by insuring my home with the same company?
- How much liability coverage do I need in Texas?
- How can I find cheaper teen driver insurance?
- Can I cancel at any time?
- I have good health insurance, so how much medical payments coverage do I need?
- How do I buy GAP insurance?
If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form.
What is the best auto insurance company in Lubbock?
Selecting a high-quality insurance provider can be a challenge considering how many different companies there are to choose from in Texas. The company rank data shown below may help you choose which auto insurance companies you want to consider to insure your vehicles.
Top 10 Lubbock Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Top 10 Lubbock Car Insurance Companies Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
Car insurance policy coverages for a Saturn L300
Knowing the specifics of car insurance helps when choosing which coverages you need for your vehicles. Car insurance terms can be ambiguous and reading a policy is terribly boring.
Auto collision coverage
This coverage covers damage to your L300 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as backing into a parked car, hitting a mailbox, sideswiping another vehicle, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible on your L300 in order to get cheaper collision rates.
Protection from uninsured/underinsured drivers
This gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Saturn L300.
Due to the fact that many Texas drivers only carry the minimum required liability limits (Texas limits are 30/60/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.
Liability coverage will cover damages or injuries you inflict on people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 30/60/25 that means you have a limit of $30,000 per injured person, 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 claims like attorney fees, court costs and repair costs for stationary objects. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible. Texas state law requires minimum liability limits of 30/60/25 but it’s recommended drivers buy better liability coverage.
The next chart shows why buying minimum limits may not be high enough to cover claims.
Comprehensive (Other than Collision)
This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as vandalism, falling objects and a broken windshield. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Medical expense insurance
Med pay and PIP coverage pay for bills for dental work, doctor visits, prosthetic devices and pain medications. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage
What is YOUR best insurance company?
We just covered many ideas to find cheap Saturn L300 insurance in Lubbock. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the lowest prices are with the smaller companies.
Lower-priced Saturn L300 insurance in Lubbock can be bought online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not have rates over the internet and usually these regional insurance providers work with independent agencies.
People switch companies for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, extreme rates for teen drivers and even questionable increases in premium. It doesn’t matter what your reason, finding the right car insurance provider can be easier than you think.
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- How Much are Lubbock Auto Insurance Quotes for 18 Year Olds? (FAQ)
- Who Has Cheap Lubbock Auto Insurance Quotes for Handicapped Drivers? (FAQ)
- How to Avoid Common Accidents (State Farm)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)