No car owner looks forward to paying premiums for car insurance, especially knowing they could find better rates elsewhere.

Unthinkable but true, a large majority of consumers have been with the same company for a minimum of four years, and almost 40% of drivers have never compared car insurance rates at all. Consumers in Texas can save hundreds of dollars each year just by comparing rates, but they don't know how much savings they would realize if they moved their coverage to a different company.

There is such a variety of car insurance companies to insure vehicles with, and although it's a good thing to be able to choose, it can be more difficult to find the best rates for your vehicles.

Our objective is to instruct you on how to compare rates easily and how you can save the most money. If you have a current insurance policy, you stand a good chance to be able to shop for the lowest rates using the ideas you're about to read. Nevertheless, Texas vehicle owners do need to learn the methods companies use to price insurance differently and use it to find better rates.

The quickest method to compare car insurance company rates is to understand auto insurance companies actually pay money for the chance to compare their rates. All consumers are required to do is give them some information such as your occupation, deductibles desired, whether you are married, and if you lease or own. That rating information is instantly submitted to many of the top insurers and you receive quotes within a short period of time.

To start a rate quote now, click here and enter your coverage details.

The companies shown below are our best choices to provide free quotes in Lubbock, TX. If your goal is to find the best auto insurance in Texas, we suggest you visit several of them to find the most affordable auto insurance rates.

Insurance Rates for Popular Vehicles in Lubbock
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Colorado LT Extended Cab 4WD $1,104 $552 $92
Chevrolet Impala LT $1,356 $678 $113
Chevrolet Malibu LTZ $1,442 $721 $120
Chevrolet Silverado Crew Cab Hybrid 4WD $1,154 $577 $96
Dodge Ram Quad Cab Laramie 4WD $1,792 $896 $149
Ford Edge SEL 2WD $1,122 $561 $94
Ford Escape Limited 2WD $1,178 $589 $98
Ford Explorer XLT 2WD $1,086 $543 $91
Ford F-150 XL Crew Cab 4WD $858 $429 $72
Ford Focus SEL 4-Dr Sedan $1,206 $603 $101
Honda Accord LX-P 4-Dr Sedan $1,104 $552 $92
Honda CR-V LX 2WD $1,116 $558 $93
Honda Civic DX 4-Dr Sedan $1,258 $629 $105
Jeep Grand Cherokee Limited 4WD $1,252 $626 $104
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $1,028 $514 $86
Mazda 3 I Touring 4-Dr Sedan $1,410 $705 $118
Nissan Altima 2.5 S 4-Dr Sedan $1,386 $693 $116
Toyota Camry LE $1,200 $600 $100
Toyota Corolla XLE $1,616 $808 $135
Get Your Own Custom Quote Go

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Information does not factor in vehicle garaging location which can alter rates significantly.

Physical damage deductible comparison

The chart below highlights how deductible choice and can impact Chevrolet Silverado insurance costs for each age group. The prices are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.

Auto insurance just makes sense

Even though it can be expensive, insurance is most likely required but also gives you several important benefits.

The benefits of carrying adequate insurance greatly outweigh the cost, especially when you need to use it. The average driver in America overpays as much as $869 every year so shop around each time the policy renews to make sure the price is not too high.

Buyer beware of insurance advertising tricks

Insurance providers like Allstate and Progressive regularly use television, radio, and online ads. They all seem to make the point about saving some big amount just by switching your insurance policy to them. How does each company save you money on insurance? You have to listen carefully.

Most companies can use profiling for the type of driver that earns them a profit. For example, this type of insured could possibly be a married male, has never had a claim, and drives a safe vehicle. Any customer that fits those parameters will get low prices and as a result will probably save if they switch.

People who don't meet this ideal profile will have to pay a higher premium which leads to the prospect going elsewhere. If you listen closely, the ads state "drivers who switch" but not "everyone who gets a quote" save that much when switching. That is how companies can claim big savings.

Because of the profiling, drivers must get price quotes at each policy renewal. It is just not possible to predict which company will fit your personal profile best.

These discounts can lower your car insurance quotes

Car insurance is easily one of your largest bills, but you might be missing out on some discounts that can dramatically reduce your bill. A few discounts will automatically apply when you purchase, but a few need to be requested specifically prior to receiving the credit.Cheaper car insurance with discounts

As a footnote on discounts, most discount credits are not given to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like it's possible to get free car insurance, insurance companies wouldn't stay in business. Any amount of discount will cut the premium cost.

A few popular companies and some of the premium reductions they offer are detailed below.

If you are trying to find affordable Lubbock auto insurance quotes, ask each company or agent how many discounts you can get. Savings may not be offered in Lubbock.

When should I talk to an insurance agency?

Some consumers would rather talk to a local agent. One of the benefits of price shopping on the web is that you can obtain better rates but also keep your business local. And supporting local agents is definitely important in Lubbock.

Find insurance agent in LubbockBy using this quick form, your coverage information is sent to agents in your area who will gladly provide quotes for your insurance coverage. You don't have to even leave your home since rate quotes are delivered to you instantly. You can find lower rates without a big time investment. If you have a need to get a price quote from a specific company, you would need to find their quoting web page and fill out their quote form.

Types of car insurance agents in Lubbock

If you prefer to buy insurance from an insurance agent, it's helpful to know the different types of agents and how they operate. Agencies in Lubbock can be categorized as either independent or exclusive depending on the company they work for.

Independent Insurance Agencies or Brokers

Independent insurance agents do not write with just one company so they have the ability to put coverage with any number of different companies and find you the best rates. If you want to switch companies, your policy is moved internally and you don't have to find a new agent.

When comparing rates, we recommend you include rate quotes from multiple independent agents in order to have the best price comparison.

Exclusive Agents

These agents are contracted to one company and examples are Allstate, State Farm and Farmers Insurance. They generally cannot provide prices from multiple companies so they are skilled at selling on more than just price. They are very knowledgeable on their company's products which helps them sell insurance even at higher premiums.

Picking an insurance agent requires more thought than just the quoted price. Here are some questions to ask:

Special considerations

Keep in mind that when it comes to choosing proper insurance coverage for your vehicles, there really is not a "perfect" insurance plan. Each situation is unique and your auto insurance should be unique as well.Auto insurance savings For example, these questions could help you determine whether you might need an agent's assistance.

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don't have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Lower rates by being persistent

Throughout this article, we presented many ways to lower your car insurance premium rates in Lubbock. It's most important to understand that the more providers you compare, the better your comparison will be. Consumers could even find that the biggest savings come from a lesser-known regional company. These companies may often insure only within specific states and give getter rates compared to the large companies like Allstate, GEICO and Progressive.

When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced liability limits or collision coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage for the lowest cost while still protecting your assets.

Additional detailed information can be found at these sites: