Affordable Insurance for a Volvo C30 in Lubbock

It goes without saying that auto insurance companies want to keep you from comparing prices. Drivers who get price comparisons are inclined to switch insurance companies because there are good odds of finding lower prices. Surprisingly, a recent survey revealed that drivers who compared rates regularly saved an average of $850 each year compared to those who never compared prices.

If saving money on auto insurance is the reason you’re reading this, then learning a little about how to get price quotes and compare cheaper coverage can save time and make the process easier.

Insurance quote for Volvo C30 in LubbockIf saving money is your primary concern, then the best way to find low-cost prices for Volvo C30 insurance is to begin comparing prices regularly from insurers that insure vehicles in Lubbock.

  1. Learn about what coverages are included in your policy and the things you can change to keep rates low. Many rating criteria that increase rates like at-fault accidents, speeding tickets, and a negative credit history can be amended by improving your driving habits or financial responsibility.
  2. Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from one company like GEICO and State Farm, while independent agencies can provide prices from many different companies.
  3. Compare the new quotes to your existing coverage and see if there is a cheaper rate. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.

A tip to remember is to compare the same level of coverage on every quote request and and to get prices from as many companies as you can. Doing this helps ensure a level playing field and a complete rate analysis.

How to Lower Your Insurance Costs

Many different elements are part of the equation when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, although some other factors are less obvious like your continuous coverage or your vehicle rating. Part of the car insurance buying process is learning the factors that are used to determine car insurance rates. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that could help you find better car insurance rates.

Insurance rate breakdown

The table shown next showcases detailed analysis of prices for Volvo C30 models. Knowing how car insurance premiums are established can be of help when making informed decisions when shopping around for a new policy.

Volvo C30 Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C30 T5 $288 $570 $462 $28 $138 $1,486 $124
C30 T5 R-Design $326 $672 $462 $28 $138 $1,626 $136
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in specific zip code location which can change coverage prices noticeably.

Do you qualify for discounts?

Some providers don’t always publicize every available discount in a way that’s easy to find, so the below list has a few of the more well known and also the more inconspicuous ways to save on insurance. If you do not double check each discount you qualify for, you are throwing money away.Save money with discounts

Keep in mind that most credits do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you could get a free insurance policy, insurance companies wouldn’t stay in business.

The illustration below compares Volvo C30 auto insurance rates with and without discounts applied to the policy rates. The rates are based on a male driver, no claims, a clean driving record, 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, homeowner, claim-free, multi-car, multi-policy, and marriage discounts applied.

To see providers who offer discounts in Lubbock, follow this link.

Lubbock auto insurance company ratings

Finding a good quality car insurance provider can be rather challenging considering how many companies provide coverage in Lubbock. The company ratings in the lists below could help you choose which auto insurance companies to look at when shopping around.

Top Auto Insurance Companies in Texas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Best Car Insurance Companies

Compare but don’t skimp

As you restructure your insurance plan, it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.

You just read some good ideas how you can find lower-cost Volvo C30 insurance in Lubbock. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even be surprised to find that the best price on car insurance is with a smaller regional carrier. Some small companies may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as State Farm and Allstate.

More detailed car insurance information is located by following these links: