Save Money on Honda Insight Insurance in Lubbock

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Want to learn how to save money and find more affordable Honda Insight insurance in Lubbock? Having to pay for pricey Honda Insight insurance in Lubbock can dry up your accounts and make it impossible to make ends meet. Shopping your coverage around can save money and help to slash your bill and have more diposable income.

Insurance rates Honda Insight in LubbockUnbelievable but true according to a study a large majority of consumers have bought car insurance from the same company for more than four years, and just short of a majority have never even shopped around for lower-cost coverage. Many drivers in America could cut their rates by 47% a year by just comparing rate quotes, but they underestimate the large savings they would see if they swap their current policy for a cheaper one.

Drivers have multiple car insurance companies to pick from, and though it is a good thing to have a choice, more options can take longer to adequately compare rates for Honda Insight insurance in Lubbock.

You should make it a habit to get comparison quotes once or twice a year since prices change quite often. Even if you got the best price on Honda Insight insurance in Lubbock at your last renewal you can probably find a lower rate today. There is a lot of wrong information about Insight insurance on the internet, but we're going to give you the best ways to find affordable car insurance in Lubbock.

Cheap Lubbock auto insurance rates with discounts

Car insurance can cost a lot, but you might be missing out on some discounts to cut the cost considerably. Certain credits will be shown at the time of quoting, but some discounts are required to be specifically requested before being credited.Save money with discounts

  • Paperless Signup - A few larger companies will provide an incentive for buying your policy on the internet.
  • Driver Safety - Taking time to complete a defensive driving course could earn you a small percentage discount and easily pay for the cost of the class.
  • Multi-Vehicle Discounts - Buying a policy with more than one vehicle on one policy can get a discount for every vehicle.
  • Senior Citizen Rates - Seniors could receive a discount up to 10%.
  • Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance from them.
  • Air Bag Discount - Factory air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Seat Belts Save more than Lives - Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • Accident Forgiveness Coverage - This one is not really a discount per se, but companies like State Farm and GEICO will let one accident slide before your rates go up as long as you don't have any claims for a certain period of time.
  • Anti-theft Discount - Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.

It's important to understand that some of the credits will not apply to the entire cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, companies wouldn't make money that way.

The information below illustrates the comparison of Honda Insight car insurance rates with and without discounts applied. The prices are based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, claim-free, multi-car, and multi-policy discounts applied.

If you would like to choose from a list of insurers who offer auto insurance discounts in Lubbock, follow this link.

To find cheaper rates, there are a couple of ways to get quotes from lots of Texas auto insurance companies. The easiest way by far to compare rates involves getting comparison quotes online.

Doing online rate quotes comparisons is so easy that it takes the place of having to physically go to local Lubbock insurance agencies. The fact that you can get quotes online has made agencies unnecessary unless you prefer the trained advice that you can only get from talking to an agent. Although, it is possible get the lowest quotes online and get advice from an agent in your area. Just remember that comparing all the rates in your area will increase your chances of finding better pricing. Some companies don't provide Lubbock Insight insurance quotes online, so you should also compare quotes from them, too.

The following companies offer comparison quotes in Texas. To locate cheap car insurance in Lubbock, it's a good idea that you compare several of them in order to get a fair rate comparison.

Coverage information

The information displayed next outlines estimates of prices for Honda Insight models. Having a better idea how rate quotes are formulated can be of help when making smart buying decisions.

Honda Insight Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $246 $580 $430 $26 $128 $1,410 $118
Insight EX $282 $684 $430 $26 $128 $1,550 $129
Get Your Own Custom Quote Go

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate information does not factor in specific location information which can alter coverage prices noticeably.

Where to set your deductibles

One of the more difficult decisions when buying auto insurance is how high should the physical damage deductibles be. The following tables highlight the rate difference between high and low coverage deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Honda Insight insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $256 $496 $382 $22 $114 $1,295 $108
Insight EX $294 $584 $382 $22 $114 $1,421 $118
Get Your Own Custom Quote Go
Honda Insight insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $208 $400 $382 $22 $114 $1,126 $94
Insight EX $240 $472 $382 $22 $114 $1,230 $103
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Information does not factor in zip code location which can increase or decrease price quotes noticeably.

We can derive from the above data that using a $250 deductible will cost you approximately $14 more each month or $168 for a full year across all Honda Insight models than opting for the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 18 months between claims, you would most likely save money if you decide on a higher deductible.

Accidents and violations increase rates

The information below demonstrates how speeding tickets and at-fault claims raise Honda Insight insurance prices for different age groups. The data assumes a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

Your situation helps dictate your coverage

When it comes to insurance from an agent or online for your vehicles, there really is not a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs so your insurance should reflect thatHigher deductibles save money These are some specific questions might point out if you could use an agent's help.

  • How do I insure my teen driver?
  • Is my trailer covered?
  • Is pleasure use cheaper than using my Honda Insight to commute?
  • Where can I find high-risk insurance?
  • Is a fancy paint job covered?
  • Am I covered when driving someone else's vehicle?
  • Does my insurance cover my expensive audio equipment?
  • Should I buy more coverage than the required Texas minimum liability coverage?
  • Are rock-chip repairs free?

If it's difficult to answer those questions, you might consider talking to a licensed agent. If you don't have a local agent, simply complete this short form or you can also visit this page to select a carrier

Are insurance agents a thing of the past?

Many drivers just want to buy from a local agent and we recommend doing that The biggest benefit of getting free rate quotes online is you can get cheaper car insurance rates and still choose a local agent.

Insurance agents in LubbockUpon completion of this short form, the coverage information is instantly submitted to companies in Lubbock who will gladly provide quotes and help you find cheaper coverage. It simplifies rate comparisons since you won't have to contact an agency since price quotes are sent directly to you. You'll get the best rates AND an agent nearby. If for some reason you want to get a comparison quote from one company in particular, don't hesitate to visit that company's website to submit a rate quote request.

Finding the right insurance company should include more criteria than just a low price. Here are some questions you might want to ask.

  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Is the coverage adequate for your vehicle?
  • Do they have cheaper tiers of coverage?
  • In the event of vehicle damage, can you pick the collision repair facility?
  • Does the agency provide any after hours assistance?
  • Are they able to influence company decisions when a claim is filed?
  • How long have they worked with personal auto insurance coverage?

When researching a reputable insurance agent or broker, you need to know there are two different agency structures and how they can service your needs differently. Insurance policy providers can be classified as either exclusive agents or independent agents.

Exclusive Agents

Exclusive agencies can only write with one company such as State Farm, Allstate, and Farm Bureau. These agents are unable to compare other company's rates so you might not find the best rates. Exclusive agents receive extensive training on sales techniques and that enables them to sell even at higher rates.

Listed below is a list of exclusive insurance agencies in Lubbock who can help you get comparison quotes.


2418 19th St - Lubbock, TX 79401 - (806) 799-1628 - View Map


6110 Frankford Ave A - Lubbock, TX 79424 - (806) 794-5084 - View Map


13033 Quaker Ave SUITE B - Lubbock, TX 79423 - (806) 797-3329 - View Map

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Independent Agents (or Brokers)

Agents that choose to be independent are not employed by one company so they can write business amongst many companies and find the cheapest insurance rates. If premiums increase, the agent simply finds a different carrier and you don't have to find a new agent. If you are trying to find cheaper rates, you should always check rates from several independent insurance agents so that you can do a thorough price comparison.

Below is a list of independent insurance agencies in Lubbock that are able to give price quotes.


2312 19th St - Lubbock, TX 79401 - (806) 412-1471 - View Map


5241 98th St - Lubbock, TX 79424 - (806) 792-5564 - View Map


Bldg. 2, 7021 Kewanee Avenue #102 - Lubbock, TX 79424 - (806) 771-9692 - View Map

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Best car insurance company in Texas

Buying coverage from a high-quality insurer can be difficult considering how many different companies there are to choose from in Lubbock. The ranking information shown next may help you analyze which auto insurers to look at comparing prices from.

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

Cover all your bases

Budget-conscious Honda Insight insurance is possible from both online companies and with local Lubbock insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not provide the ability to get quotes online and many times these small insurance companies sell through independent insurance agencies.

We just covered a lot of tips how to shop for Honda Insight insurance online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. Consumers could even find that the lowest prices come from the smaller companies. Some small companies may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.

How to save on Honda Insight insurance in Lubbock

Truthfully, the best way to find low-cost car insurance rates is to start doing a yearly price comparison from insurance carriers in Lubbock.

  1. It will benefit you to learn about how car insurance works and the things you can change to prevent rate increases. Many rating factors that cause rate increases like at-fault accidents, speeding tickets, and an unfavorable credit rating can be remedied by making minor changes in your lifestyle.
  2. Compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or Farmers Insurance, while independent agents can provide prices for a wide range of companies. View prices
  3. Compare the quotes to the premium of your current policy to see if cheaper Insight coverage is available in Lubbock. If you can save some money and buy the policy, make sure coverage does not lapse between policies.
  4. Tell your current company to cancel your existing policy and submit any necessary down payment along with the completed application for your new coverage. Once the paperwork is finalized, place your new certificate verifying proof of insurance in an accessible location in your vehicle.

The most important part of shopping around is that you use the same liability limits and deductibles on each quote request and and to compare as many car insurance companies as possible. This helps ensure a fair rate comparison and the most accurate and complete price analysis.

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