Free Guide to Saving Money on Lubbock Car Insurance Online

Free Guide to Saving Money on Lubbock Car Insurance Online

I can’t think of a single person who likes paying for car insurance, in particular when the cost is too high.

With consumers having so many choices of insurance companies, it can be diffult for consumers to find the best car insurance company.

Finding affordable coverage in Lubbock can be fairly easy. Just about everyone who shops for car insurance will be able to lower their premiums. But Texas drivers must know how the larger insurance companies sell online because it can help you find the best coverage.

Companies offer discounts so take them!

The cost of insuring your cars can be expensive, but there are discounts available to help bring down the price. Most are applied at the time of quoting, but some must be inquired about before they will apply.

  • Distant Student – Any of your kids who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Senior Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums.
  • Memberships – Affiliation with a civic or occupational organization could qualify you for a break when buying car insurance.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Government Employees – Active or retired federal employment can save as much as 8% with certain companies.
  • Sign Early and Save – A few companies offer discounts for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. A few only apply to specific coverage prices like liability and collision coverage. Just because it seems like all those discounts means the company will pay you, car insurance companies aren’t that generous. Any amount of discount will help reduce your premiums.

Aren’t my neighborhood agents an option?

Certain consumers just want to talk to a local agent and there is nothing wrong with that. One of the best bonuses of comparing rates online is you may find the best rates and still have an agent to talk to. Supporting small agencies is important especially in Lubbock.

By using this quick form, your coverage information is sent to agents in your area who will compete to get your business. You never need to leave your computer as quotes are delivered directly to your email. How cool is that?! Get lower rates AND an agent nearby.

Compare rates from both independent and captive insurance agencies

If you’re trying to find a good insurance agency, there are a couple of types of insurance agents from which to choose. Lubbock agents are either captive or independent (non-captive).insurance quote Texas

Independent Agents (or Brokers)

These agents are not required to write business for one company but rather can write business with lots of companies enabling the ability to shop coverage around. If your agent finds better pricing, an independent agent can move your coverage without you having to go to a different agency. When searching for an agent, you should always include price quotes from several independent insurance agents to ensure the widest selection of prices.

Listed below are Lubbock independent agents that may be able to provide rate quotes.

Texas General Agency Inc – 5722 37th St – Lubbock, TX 79407 – (806) 785-2337
Cia Insurance Agency and Assoc – 1220 Broadway St – Lubbock, TX 79401 – (806) 762-1205
Area Insurance Assoc – 4202 Avenue Q – Lubbock, TX 79412 – (806) 747-2400
Kim Emerson Insurance – 6002 Slide Rd – Lubbock, TX 79414 – (806) 783-9517
Joe Blacklock Insurance Agency – 6603 Utica Ave – Lubbock, TX 79414 – (806) 793-8698

Agency Captives

These agents work for only one company like AAA, Allstate and State Farm. Captives cannot shop your coverage around so always compare other rates. Captive agencies are trained well in insurance sales and that can be a competitive advantage.

Shown below are captive agents in Lubbock who can help you get comparison quotes.

Farmers Insurance Group – 5124 82nd St – Lubbock, TX 79424 – (806) 794-6336
State Farm Insurance – 4411 19th St # B – Lubbock, TX 79407 – (806) 799-1628
Allstate Insurance – 3901 84th St – Lubbock, TX 79423 – (806) 698-1611
Southern Farm Bureau – 5601 Avenue Q South Dr – Lubbock, TX 79412 – (806) 747-1639

To view a complete directory of captive agents in Lubbock, visit this link.

Texas insurance prices

Deciding on an insurance agency shouldn’t rely on just the price. Here are some questions to ask:

  • Do they receive special compensation for putting your coverage with one company over another?
  • Does the agency support the community they serve?
  • Are there any discounts that you might be missing?
  • How much will you save each year by using a higher deductible?
  • Are they able to influence company decisions when a claim is filed?

After getting positive responses and a low price estimate, chances are good that you have found a car insurance agent that can properly insure your vehicles.

Much more information about car insurance in Texas can be read on the website for the Texas Department of Insurance located here. Visitors are able to download brochures, view agent and company licensing information, find out industry alerts, and file complaints about a company.

Additional helpful sites include this online resource for free quotes in Texas and this list of insurance agents in Lubbock, TX.

In conclusion

Cost effective car insurance is attainable from both online companies and with local Lubbock insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

In this article, we covered many ways to get a better price on car insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the lowest priced car insurance comes from a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.