Cheapest Auto Insurance | Lubbock, Texas
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What to expect for auto insurance in 2022
How to find the Cheapest Auto Insurance in Lubbock, Texas
Auto insurance rates in Lubbock are above average compared to the rest of the state of Texas. Lubbock is part of Lubbock County and the largest city in the county. Lubbock has higher auto insurance prices because it is part of a metroplex that has large amounts of traffic and uninsured motorists. This comes with being one of the larger cities in Texas. These are two major factors in high auto insurance costs. We say average because rates in Lubbock are cheaper than Houston and Dallas but more expensive than a city like Sherman.
Auto insurance companies pay a lot of money out in claims from accidents in heavy traffic areas. There is a strong correlation also between high population and more uninsured motorist claims. Uninsured motorist claims hurt auto insurance carriers because they are stuck paying for a claim they shouldn’t be if the other driver would be carrying the proper amount of insurance required by law.
Check out this video to learn more about finding the best insurance companies
Find out how to cut car insurance cost by clicking here
Lubbock is the 11th most populated town in Texas. It has a population of 258,862 and is home to Texas Tech University. It is also part of the southern end of the High Plains. Lubbock is not near the coast either so when hurricanes hit there is no effect on the city. It is not part of tornado alley though which makes auto insurance rates here more affordable. These two factors really help keep auto insurance rates down. One way to find cheap car insurance is to have a safe driving record for three straight years and continuous insurance for 6 months. This is a major factor that auto insurance companies look at when they set their monthly rates.
Click here to learn about usage based auto insurance
Click here to learn more about how to find the cheapest auto insurance
One way to find the cheapest auto insurance quote is to ask your insurance agent or carrier for all the discounts your policy will allow. Not all insurance companies offer the discounts when you initially call in for a quote so here are a few discounts you can request:
- Safe Driver
- Paperless Billing
- Multi car
- Prior Insurance
- Renewal discounts
If you are a safe driver looking for cheap car insurance in Lubbock here are a few insurance companies that can help you achieve this:
- Assurance America
- Save Money Car Insurance
Click here to learn more about the best auto insurance companies
Finding cheap auto insurance is important but finding an insurance company that has good customer service and claims department is just as important. Customers who have no tickets or claims in the last three years are the most rewarded with discounts on their policies. It is good to remember to only turn in a claim when you feel it is absolutely necessary. Every claim that is turned in can be counted against you and therefore raise your insurance premiums. But, if you have a claim that needs paid then by all means turn it in, that is why you are paying for the insurance to cover you when a claim arises. To receive cheap auto insurance quotes in Lubbock click this link and be on your say to saving money today!
Learn how to find cheap auto insurance rates!
New Driver Insurance
Auto insurance for new drivers can be very expensive. But many auto insurance carriers take into consideration the reason why you are a new driver. Insurance companies charge more on monthly premiums for new drivers because of the lack of experience on the road. They feel this lack of experience can make it more likely for a new driver to have a claim compared to a more experienced driver. We have found ways for new drivers to still find quality affordable insurance. Please read our article below to find out how to find cheap auto insurance for new drivers.
Click here to read more about new driver insurance
Low Income Car Insurance
Low income car insurance is not an actual policy that can be purchased. There are a few states that offer assistance for car insurance for households that qualify. There are ways for households with low income to find affordable car insurance. The two keys for anyone to get cheap insurance is to keep a good driving record for three years and keep continuous auto insurance for at least 6 months. In addition to these two key factors be sure and shop around and get as many quotes as possible, this will increase your chances. You can also consider just purchasing auto insurance with the bare minimum coverage and when you get back on your feet financially you can add on all the coverages you need.
To learn more about low income car insurance click here
For more information about low income car insurance click here
Foreign License Auto Insurance
Finding cheap auto insurance if you are a foreign driver can be challenging in some circumstances. We do recommend all foreign or International visitors who are here on a longer term or permanent basis that plan to drive an automobile to get a U.S. license. It can be an annoying process though but we feel is worth it in the long run. If you are here on a short term basis we do not recommend getting a U.S. license but instead purchasing insurance from a rental car company or just do ride sharing. In most cases ride sharing makes a lot of sense and can be a great way to get around legally.
Click here to read more about Foreign License Auto Insurance
Read more about foreign license auto insurance here
How to find auto insurance for a car in impound
Your car can be impounded for many different reasons, and it can also be costly to get the car out of impound. Some impound lots will require auto insurance before they give the car back but most do not. After you get your car back it should not affect your car insurance rates from it being impounded. If it is actually repossessed it should not affect car insurance rates either unless your credit was affected and the insurance company, you are with uses credit as a rating factor.
Click here to learn more about finding insurance for a car in impound
To learn more about finding car insurance for a car in impound click here
Independent Insurance Agents
There are an estimated 36,500 independent insurance agencies. This segment of insurance agents takes up a large amount of the insurance sector. These agents work with numerous independent insurance companies and sell their product as a “middleman” and are paid on a commission basis from the carrier partners. Many people like working with independent insurance agencies because of the numerous price and coverage options they can obtain with one phone call. We have provided more in depth information regarding independent insurance agencies in the below article.
Click here to read more about independent insurance agents
Auto insurance for used cars
Finding auto insurance for your used car is one of the most expensive parts of car ownership but also one of the most important since you are required by law to carry at least state minimum limits of liability. Just because you have a used car does not necessarily mean your insurance will be cheaper every time. But we have found in most cases full coverage insurance will be cheaper compared to new cars. This is usually not the case on liability only policies. We have gone more in depth to help you find all the information you need to about used car insurance in the below attachment.
Click here to learn more about auto insurance for used cars
Auto insurance for young adults
Finding affordable auto insurance for young adults can be difficult but not impossible. You will just need to do a little more research and shopping around to find the best price. Young drivers are among the most expensive to insure so we always recommend staying on your parent or legal guardian policy as long as you can, this is the best way to save money. But not all of us have this luxury so if you are going out on your own insurance you will need to be equipped with the knowledge to help you save money because odds are you will need every discount you can get and you will realize that once you start getting quotes. So, we hope to equip you will all you need to know about young adult car insurance in the below link:
Click for tips for insurance for young adults
Click to learn how to find cheap auto insurance for young adults
Auto Insurance for College Students
Auto insurance for college students can be expensive because most college students are 25 and under which is the age segment that pays the highest amount of auto insurance premiums. We recommend staying on your parent's auto insurance policy as long as you possibly can. This will save you the most money and, in most cases, provide you with the best coverage. But just because you are a college student doesn't mean you have to over pay for car insurance. There are still quality insurance companies out there who can help you find the auto insurance rate you need with the coverage you require. We have found a few top insurance companies for college students and here are a few:
. State Farm
. Save Money Car Insurance
Click here to learn more about auto insurance for college students
For more information on college student insurance click here
Auto Insurance for Seniors
Finding the best auto insurance for seniors can be difficult and time consuming, but in most cases your auto insurance rates should drop as you get older and more driving experience. But this is not always the case, once you get over 75 It can be more difficult to get cheap auto insurance. Many companies will require a signed doctor statement before they will bind coverage if you are over 75. If you have been with your current company for a while and had a good experience with them, we recommend staying with that carrier if you are over 75. Here are some of the top companies we have found for senior drivers:
Finding a local auto insurance broker can be a great tool for seniors to find the best auto insurance.
These brokers can shop around numerous companies for you and help find the best price and coverage for seniors.
Click here to read more about auto insurance for seniors
Click for tips for insurance for seniors
SUVs are becoming one of the most popular vehicles on the road and who you choose to insure your SUV is very important. With auto insurance rates starting to trend up again it is important to call your insurance company before purchasing a new SUV so you can see how much you will be paying. There are several auto insurance carriers that provide affordable insurance prices for SUVs. We have researched all about SUV insurance and want to provide you with as much information about it as possible. Please see the article below to find out more about SUV insurance.
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To learn more about SUV insurance click here
How to find cheap auto insurance online?
When getting online car insurance quotes, you need the same mindset as if you were speaking to an agent. First off have all your information ready so the quote can be accurate. Secondly, tell the truth so your quote will be accurate. Try to get as many discounts as possible, here are a few you can check when getting online quotes:
- Sign up for auto pay
- Sign up for paperless billing
- Take a defensive driving course
- Pay your policy In full for six months
Watch this video to learn more about auto insurance quote comparison sites
Some auto insurance companies offer a discount for doing the insurance online compared to speaking with an agent. So, if you understand auto insurance coverage this can be a very good option for you to save some money on your insurance. Just make sure you research the company you are looking at before you pay for the policy. The more research you do the better and the more quotes you get the chances of finding cheap rates will increase.
Click here to learn more about finding online auto insurance
ID Only Car Insurance
Finding ID only car insurance can be difficult and expensive. But here at Cheapest Auto Insurance we have companies who specialize in insuring customers with and ID only. Just because your license is not active does not mean you can't find affordable insurance. You just need to find the right company who specialized in ID only car insurance. We have found that nonstandard auto insurance companies are your best bet for cheap ID only car insurance. You will find these companies at your local independent insurance agency. These agents work with numerous companies to find you the cheapest rate possible. We have gone more in depth to provide you with all the information you will need to find the best ID only car insurance possible in the link below.
Click to learn more about ID only car insurance
Click to learn how to find cheap car insurance with an ID
Online car insurance quote comparison sites
Online car insurance quote comparison sites can be great ways to get a lot of quotes at one time. And as we have discussed many times that is one of the key ways to finding the cheapest auto insurance policy. The more quotes you get the cheaper your insurance is in most cases. If you do choose an online comparison site for your insurance needs it is important to remember that site in most cases is not your actual insurance carrier. They are the middleman and mostly just help you get the policy started initially and do not service the policy going forward. The insurance carrier they set you up with would be responsible for servicing the policy going forward.
Click here to learn more about finding cheap insurance from an online car insurance quote comparison site
Temporary Car Insurance
Temporary car insurance can be a great way to get cheap insurance for a short period of time. We recommend going with an auto insurance carrier that offers a monthly policy or if they only offer a 6-month policy then make sure they pro rate their cancellation refund. If they short rate the refund you could get stuck owing them money if you cancel very quickly after starting the policy. Even though there is no auto policy that is called a “Temporary Car Insurance” you can just tell the insurance company who you are getting quotes through that you intend to cancel the policy very soon and they can find the best for you. Many nonstandard auto insurance companies specialize in this type of insurance coverage.
Click here to read more about temporary car insurance
Click here to find out more about temporary car insurance
Auto Insurance for Older Cars
Auto insurance prices for older cars are generally cheaper than newer cars especially when it comes to full coverage. As far as liability only it's not a big difference in price. However, there are a few companies that offer discounted rates on older cars even on liability only like Progressive. They are recognized as industry leader when it comes to the best prices on older cars. There is a lot to know about insurance on your older car and things you can do to save money. Please see more info below to learn more ways to save on older car insurance
Click here to learn more about auto insurance for older cars
Click to learn how to find cheap insurance for older cars
Auto Insurance with a Suspended License
Finding cheap auto insurance with a suspended license can be very difficult. Auto insurance is expensive enough with a normal license let alone with a suspended one. A lot of insurance companies surcharge up to 4 points on an auto insurance policy for having a suspended license. This can raise your rates up to 30% on your monthly premiums. Insurance companies also look at the reason why your license is suspended and rate accordingly. Some auto insurance companies will even deny you coverage if your license is currently suspended. We have found nonstandard auto insurance companies are the best fit for drivers with a suspended driver's license. Drivers with a suspended license are considered high risk drivers as far as insurance companies are concerned. Here are a few auto insurance companies we found who offer affordable rates for drivers with a suspended driver's license:
- Save Money Car Insurance
- The General
- Safe Auto
Click here to learn more about finding cheap auto insurance rates with a suspended license
Nonstandard Auto Insurance Companies
Nonstandard auto insurance companies are becoming more and more common especially with some of the big players really starting to enter this market. It is the fastest growing insurance sector currently and we see it continuing to grow. Nonstandard auto insurance companies specialize in providing high risk drivers with affordable basic auto insurance coverage. Many of these carriers will only offer state minimum liability limits due to the risk that bad drivers can bring. But just because you are a high risk driver does not mean that you can find affordable car insurance.
Click here to learn more about nonstandard auto insurance companies
To learn more about nonstandard auto insurance click here
Do I need an auto insurance broker?
Auto insurance brokers can be a great option to shop car insurance quotes through multiple companies with one call. This saves consumers a lot of time and hassle because we all know that no one enjoys calling around for auto insurance quotes. We have found some of the larger auto insurance brokers in Oklahoma and Texas that can help do all the auto insurance shopping for you:
- Cheapest Auto Insurance
- Best Insurance
- La Familia
- Advantage 1
Some of these companies are contracted with over 100 different companies so you will see how this could be an advantage to the consumer to get that many quotes with one call. With anything though there are pros and cons about purchasing auto insurance from a broker.
Click here to see all the pros and cons of using an auto insurance broker
DUI Auto Insurance
Auto insurance rates after a DUI can get very expensive. It is the violation that carries the heaviest points allowed up to 6 pts for just one incident. To weigh that impact on rates an accident I usually 3-4 pts on high end. Auto Insurance companies feel drivers who have had a DUI history are more prone to large accidents. Usually, an accident involving a drunk driver does serious damage to property and people which costs the insurance companies large amounts of money. Drivers with a DUI pay the highest auto insurance premiums in the market. Some auto insurance carriers will decline coverage to anyone who has had a dui in the last 5 years. Here at Cheapest Auto Insurance, we make sure to find you the cheapest auto insurance quote possible even if you have a DUI on your record. Here are a few auto insurance companies that we found who offer auto insurance after a DUI:
- The General
- Safe Auto
- Save Money Car Insurance
Click here to learn more about finding cheap auto insurance with a DUI
How to find cheap auto insurance with no license
Drivers who do not have a driver's license will pay more for their auto insurance compared to what the cost would be if they have an active license. But one major misconception about auto insurance is that people think you cannot get auto insurance without an active license, but you absolutely can. It’s going
to be more expensive but it is very doable. Here are a few tips for you to help keep your auto insurance affordable if you do not have a license:
- Sign up for auto pay on your monthly payments
- Sign up for paperless billing
- Keep a clear driving record for 3 consecutive years
- Shop around at your renewal to make sure your current company is still the cheapest
- Keep active insurance for 6 straight months for prior insurance discount
- Get a State ID as a form of identification
These are just a few tips to help you get cheap auto insurance quotes without a license. The best thing you can do though is keep a safe driving for 3 years and get as many quotes as possible. The more quotes you get the better your chances of saving money on your car insurance premiums.
Click here to learn more about finding cheap auto insurance with no license
To learn more about finding auto insurance without a license click here
Why Drivers in Lubbock Need Auto Insurance
It is state law in Texas to carry at least the state minimum 30/60/25 limits of liability. You can’t fix mistakes made by other drivers, but you can look out for you and your family. It’s easy to see how much of a favor you will do for yourself by having the proper amount of coverage on your auto insurance policy. If your vehicle is involved in an accident or is damaged from a natural disaster, insurance is used to help you pay for the costs of your recovery. All accidents cost money, and the right policy can help you lighten the financial impact that can occur. Especially if you have a loan on your car, it is crucial to keep your full coverage insurance policy active.
Being involved in an accident is almost inevitable at some point in our lives. If you have ever had an accident, you will be glad that you had insurance because it can save you a lot of money. Here are some bad things that can occur if you are caught driving without auto insurance:
- Your license can be suspended
- You can get hit with an expensive ticket
- Your car can be impounded
These penalties can be very costly so we strongly recommend to make sure any car you driver is insured and insured properly. If it is not your car and you know it doesn’t have insurance and you need to drive it, we recommend you purchase a non-owners insurance policy to be safe.
Truck insurance can cost more than regular car insurance in many cases just because trucks are bigger and can cause more damage than smaller cars. This is more on the bodily injury liability and property damage liability section of the policy that you will see the increase. As far as the other coverage sections like uninsured motorist coverage, medical payments, or pip coverage sections of the policy, truck insurance rates on those parts of the policy are very comparable to any other vehicle you would get a quote from. Here at Cheapest Auto Insurance we have companies that specialize in cheap truck insurance, call or text us today for a quick quote!
Click here to learn more about truck insurance
How much does auto insurance cost in Lubbock?
Auto insurance rates in Lubbock vary based on many factors and is based on the coverage you need. The average auto insurance quote for an adult with no previous insurance in Lubbock is about $71 monthly. Here are a few factors that auto insurance companies look at when setting their monthly rates:
- Driving record
- Insurance history
- Credit score
- Claims history
- Type of vehicle
We have found age is the biggest rating factor auto insurance companies use when setting their prices. Young drivers pay the most for car insurance especially drivers 24 and under.
Not all auto insurance companies use credit as a rating factor. This is a heavily debated issue on whether or not insurance companies should be allowed to use credit as a rating factor. Personally, I have never liked the idea of using credit as a rating factor. Most of the companies we work with do not use credit as a rating factor.
Most nonstandard auto insurance companies do not use credit as a rating factor. A nonstandard insurance company specializes in providing insurance for drivers with a bad driving record and no insurance. The Preferred Insurance companies are the main ones who use credit as a factor when they set their prices. Here are a few nonstandard auto insurance agencies near Lubbock you can use for reference:
- Amax Insurance
- Freeway Insurance
- Acceptance Insurance
Most of these nonstandard auto insurance companies offer the state minimum limits of liability which is 30/60/25. If you are needing higher limits of liability for instance 50/100/50 than it may be best to request a quote from a Preferred Insurance broker. A Preferred Insurance broker is an insurance agency that writes polices through multiple carriers who specialize in home, auto, and commercial insurance. Many of these companies specialize in bundling home and auto insurance policies together for a greater discount for the consumer. Here are examples of a few Preferred Insurance companies near Lubbock:
How to how to lower your auto insurance rates in Lubbock
It is wise to always try to take advantage of all the discounts possible when you are trying to save on your car insurance rates. Here are a few discounts you can ask for when getting auto insurance quotes:
- Set your billing up on EFT
- Sign up for Paperless billing
- Some auto insurance companies offer a 7-10% discount for taking a defensive driving course.
- Be sure to shop around on your renewal to make sure your current insurance policy still works for you.
- Try to keep an even number of cars and drivers on your policy.
To go a little further on the last discount we mentioned and explain why this is so important. Auto insurance companies like this because it appears as that you have disclosed everyone who has access to drive your vehicles. Undisclosed drivers cost insurance companies a large amount
of money each year by having accidents. Auto insurance companies want to be able to underwrite all drivers that are driving a vehicle to provide the appropriate monthly prices.
Check out this video to understand why auto insurance rates go up after an accident
Ways to find cheap non owner's insurance in Lubbock
Non owner's insurance is a type of insurance policy you purchase instead of insurance on a specific vehicle. Non owner's insurance is cheaper than liability only insurance by about 30%. Not all insurance companies in Lubbock offer this policy. Here at Cheapest Auto Insurance, we can help you find cheap non owners insurance no matter what your driving record is, here are a few insurance companies near Lubbock we found that offer a non-owners policy:
- Amax Insurance
- Freeway Loya Insurance
- Acceptance Insurance
Watch this video to learn more about Non Owners Car Insurance
If you have a suspended driver’s license and don’t own a car yet but need an SR22 you can purchase a non-owners SR22 insurance policy from several insurance providers in. This is more of a challenge to find insurance companies in Texas that will offer this coverage. There is a lot of leg work for insurance companies to file SR22 insurance policies in other states. Here are a few that we found who offer this type policy:
Click to learn more about finding cheap non owner car insurance
Click here for additional information on non-owners car insurance
How to find cheap auto insurance with bad credit
Car insurance quotes in can be closely related to your credit score. Studies have shown that drivers who have better credit scores have a lower likelihood of having claims. That is one of the benefits of getting a quote from Cheapest Auto Insurance. We do not penalize customers for their credit level. We also do not use that as one of our rating factors. When you call us for an auto insurance quote, we will never ask you for your social security number — like many insurance companies will. If your credit score is good, we do have a few great auto insurance companies we partner with that offer's big discounts for customers with good credit. Get a quick anonymous quote. The process takes less than 45 seconds. This is truly the world's fastest anonymous quoting system. We can help get you on your way to cheap auto insurance despite bad credit today! Please see below link to read more about how bad credit effects your auto insurance.
Watch this video to learn more about finding cheap auto insurance with bad credit
Learn more about finding cheap auto insurance rates if you have bad credit.
How to find cheap full coverage insurance in Lubbock
Full coverage insurance rates in Lubbock are on the lower end compared to the rest of the state. There are a few reasons why this is, but the main one being that Lubbock is not a part of one of a large metro area. Being close to a metro area can cause you to be more prone to being involved in heavy traffic and uninsured motorist claims. It really helps to keep full coverage insurance costs down by keeping a good driving record and continuous insurance. Full coverage can cost up to twice as much as liability insurance. One way to get the lowest price possible on full coverage insurance is take out the highest deductible option possible, this is how to lower your monthly payments. But you will see below the higher the deductible is the more money that is out of your pocket in the event of an accident.
Click here to learn more about collision insurance.
Full coverage insurance is mandatory to carry if your car is being financed in most situations. Some car lots will allow you to leave the lot with Liability only insurance and purchase collateral protection from them to cover your vehicle in case it is damaged. Most though will require you to purchase full coverage insurance before you leave the car lot unless you do not finance the vehicle. Many lienholders will require a minimum of a $500 deductible before you can purchase your new car. The higher the deductible the lower your monthly payments are and vice versa with a lower deductible. Here are some auto insurance companies that sell full coverage in Lubbock at an affordable rate:
- Save Money Car Insurance
- Fred Loya
It is important to know what deductible amount you need before getting a full coverage auto insurance quote. What deductible you choose has a big impact how much your monthly premiums will be. Here are the choices of deductibles to choose from when searching for insurance quotes:
The deductible is the part of the policy that the customer is responsible for paying in case of an at fault accident for the damage done to their vehicle. The lower your deductible is the lower your insurance premiums will be. Some auto insurance companies in Lubbock offer a “vanishing deductible” which is beneficial for the customer because the longer you are with that company, the lower the deductible becomes in case of an accident with no effect on your monthly rates. This results in you saving money during an accident. This is a very nice feature that has become very popular over the past few years. We expect to see more and more companies starting to offer this coverage because of how popular it is with consumers. To shop auto insurance quotes for cheap full coverage insurance in Lubbock you can click here and you can be on your way to cheap full coverage insurance today!
Click here to learn more about full coverage auto insurance
How to get cheap auto insurance quotes in Lubbock
Cheapest Auto Insurance wants to help you find the best auto insurance quote possible. When searching for auto insurance you will see lots of advertisements from insurance companies. So here are a few ways you can help find cheap car insurance in a fast efficient way.
1. Find an auto insurance broker that works with many different insurance companies so you can find the best rate.
2. Find an online quote comparison site that can shop online for you searching through a large amount of insurance companies.
3. Find an insurance company that fits your coverage needs and current situation.
4. Ask for every possible discount you can.
5. Set your policy up on auto pay for your monthly premiums
6. Set your billing up on Paperless Billing.
7. Try to bundle your homeowners' policy or renter's policy with your auto insurance policy for the multi policy discount.
Here are a few local auto insurance brokers close to Lubbock that we found for you:
- Amax Insurance
- Freeway Insurance
- Acceptance Insurance
Check out this video to learn more about how auto insurance companies set their rates
Tips on buying insurance for your new car
There can be a lot to buying a new vehicle and one of the most important parts of this process is purchasing auto insurance. Car insurance prices for new vehicles can be very expensive. So, it is important to make sure you take all the steps to get the cost as affordable as possible. We have found a few of the top companies for full coverage insurance on new cars and here they are:
- State Farm
Click here to read more about new car insurance.
It is important to keep your auto insurance policy active and credit score high to receive the best full coverage new car insurance prices.
Most car dealerships will require you to have full coverage insurance proof before they will let you purchase the car lot and leave with the car. Some dealerships will let you carry liability auto insurance through an insurance company and they will sell you the comprehensive and collision coverage part of the policy. It's important to remember though that in most cases the dealership insurance is not legal insurance you will have to purchase state minimum liability limits to be legal on the road.
Click here to watch a video explaining how to find cheap new car insurance
All about new car insurance
Ways to find the cheap auto insurance in Lubbock with a bad driving record
Finding cheap auto insurance with a bad driving record can be difficult. Here are some ways we have found to achieve this. Try to find an insurance company that is best for your situation and phase of life you are in. For example, if you have tickets and accidents on your driving record you may want to contact a nonstandard auto insurance company. This is an auto insurance broker that works with different insurance companies to find the best price possible. They have access to insurance companies that are more forgiving of tickets and accidents.
Here are a few auto insurance companies that provide cheap insurance for drivers in Lubbock with a bad driving record:
- Save Money Car Insurance
- Fred Loya
Click to read more about auto insurance for bad drivers
Learn more about high risk auto insurance
Check out this additional resource for auto insurance for bad drivers
While receiving auto insurance quotes be sure to disclose all tickets and accidents you have in the past 5 years. Many insurance companies do not run your driving record on the initial quote, but instead usually wait till you buy the policy then run your driving record after the policy issued. This is why it is important to disclose your true driving record upfront so the insurance quote will be accurate and not increase on your future bills.
One month auto insurance can be a great policy for someone with a bad driving record because it offers a flexible pay plan and not a long-term commitment, this also can be called a “month to month insurance” policy. Not all insurance companies offer a monthly policy. Here are a few auto insurance companies in Lubbock that we found offers a monthly auto insurance policy:
How to find cheap liability car insurance in Lubbock?
To find the cheap liability insurance in Lubbock you can ask for liability only auto insurance with 30-60-25 limits of liability which is the state minimum in Texas. This policy will only cover the damages done to a third party; it will not cover your vehicle. If you want your car covered you would need to purchase full coverage insurance which costs about twice as much as liability only.
Click here to read more about how to find cheap liability insurance for your car.
Here are a few options of liability limits that you can choose from:
Check out this video to understand more about Liability Auto Insurance
Not all auto insurance companies in Lubbock offer higher limits of liability. If you need higher limits, it is best to contact a more preferred company or national carrier mentioned above. It is important to carry the proper amount of limits of liability in case you are involved in an accident. Nobody wants to get stuck with a large bill in a claim where you damage a vehicle that costs more than the $25,000 of property damage, which is the lowest offered in Texas.
Click to learn more about getting cheap liability car insurance
Understanding More About Cheap Liability Car Insurance
1. Watch and learn more about cheap liability car insurance
2. Click and learn more about liability only car insurance in Lubbock
Learn more about Lubbock Auto Insurance
1. Click here to read about auto insurance coverage in Lubbock
2. Click here to watch about the importance of keeping auto insurance active
3. Click here to learn more about your auto insurance policy
4. Click and read about the importance of carrying proper auto insurance in Lubbock
5. Click and read more about finding cheap auto insurance in Lubbock
Different types of Auto Insurance coverages for Lubbock Drivers
Here at Cheapest Auto Insurance we have several auto insurance companies that specialize in providing affordable auto insurance for all drivers. We offer flexible monthly payments and a low first month payment We offer cheap insurance for the below insurance policies:
- SR22 Insurance
- Non owner's insurance
- Full coverage insurance
- Liability auto insurance
As you can see there are different types of auto insurance policies to choose from. When you speak with one of our agents, we go over with you all types of coverages and policies to choose from. We work around you budget and how much you can afford to pay for your insurance policy.
Additional resources to find the best auto insurance companies:
Understanding your auto insurance coverage
Auto insurance policies are not the easiest to understand and many times coverages can be misunderstood. It is important to contact your auto insurance agent or company to go over your policy to make sure you are covered correctly and not over paying for coverages you do not need. Be sure to look over your policy every renewal to make sure the proper coverages are still there. And if your situation in life has changed and you need more coverage be sure to let your insurance agent know. Here is a list of coverages on your auto insurance policy you can choose from:
- Bodily Injury Liability and Property Damage
- Medical Payments
- Uninsured Motorist Coverage
- Personal Injury Protection
- Rental Car Reimbursement Coverage
- Roadside Assistant/Towing
- Comprehensive Coverage
- Collision Coverage
Watch this video to learn about the importance of carrying auto insurance
Click here to learn more about what your auto insurance covers.
It is important to remember that business use is usually not covered under your personal auto policy. There are less exclusions on the personal auto policy but still some things to be aware of to disclose to your agent when getting quotes. Here are a few things to disclose to your auto insurance company to make sure you are covered correctly:
- If you deliver goods or transport people to different places
- If you working in ride sharing industry
- If you have employees who drive your vehicles
- If you drive out of state for work on frequent basis
- If you add on custom equipment to your vehicle
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How to find cheap SR22 Insurance
SR22 insurance is an auto insurance policy that is required by the state for drivers who are convicted of one of the following situations:
- DUI or DWI
- Having an accident without insurance coverage
- Serious or repeat traffic offenses
- License suspension or revocation
It is important to remember that SR22 is not an insurance policy but an endorsement to the auto insurance policy. It is actually a form that your auto insurance will give you and file it with the state for you. It is important to keep your SR22 auto insurance policy active and paid to date. Allowing it to lapse and you continuing to drive can get you in more legal problems. Thankfully though adding an SR22 to your auto insurance policy will not raise your monthly auto insurance rates just usually a one-time fee of up to $25.
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The Future of Auto Insurance in Lubbock
Starting an insurance policy online is a very different way of doing business than most people are accustomed to. For many years, working directly with an agent was the only way to purchase insurance in their physical offices. Homeowners and commercial insurance are some of the few sectors in insurance that is more difficult to purchase online due to the complexities of the policy. We feel the future of insurance is a direct-to-consumer model, especially for the younger generations.
Check out this video to learn more about the future of auto insurance
Doing business face to face may not go away at once but with the large number of new tech companies entering the market we can all expect insurance to continue to head in that direction at a fast pace, especially in the auto insurance industry. Vehicle insurance is easier to purchase online compared to other types of insurance. Many tech companies have low auto insurance rates but it is still to be seen how claims are handled and if they be profitable on the underwriting side of the business, which can take years to truly know.
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Understanding the Importance of doing an annual auto insurance check up
Our lives are always changing as is our coverage needs for our auto insurance policies. It is important to speak with your insurance company or auto insurance broker on a yearly basis
to go over the policy with them. Here are some things to mention to your insurance company or broker to make sure you are covered correctly:
- Make sure you have all the discounts you qualify for and ask your agent if they suggest any more discounts that you should look at.
- If you just bought a home, you should consider bundling it with your auto insurance policy for a multi policy discount.
If you have recently gone from liability to full coverage, be sure to go over with them what is on your full coverage policy.
Check out this video to learn more about the importance of reviewing your auto insurance policy
Here are a few coverages that don’t come on a normal full coverage quote. Medical payments, Uninsured Motorist Coverage, Rental and towing, just to name a few.
- Be sure your monthly payments are set up on auto pay.
- Ask your insurance carrier if they offer a paperless discount
Cheapest Auto Insurance strives to make sure all customers have the time and attention they need to be sure they have the coverage that is needed. Call or text one of our experienced agents to review your coverage today!