Cheap Lubbock Auto Insurance

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Isn't it time you stopped paying more for your auto insurance in Lubbock than you need to?

Chances are good that you could save money by comparing your present coverage with the coverage provided by other insurance companies.

We will gladly get quotes from several companies for you. Look them over, then decide which works best.

Just insert your zip code in the box above.

TEXAS Minimum Required Auto Insurance

In the great state of Texas, the minimum amounts of liability auto insurance coverage allowed by law are as follows:

- $30,000 for bodily injury or death to one person

- $60,000 for bodily injury or death to 2 or more people in one accident

- $25,000 for damage to another person's property

Shopping For Auto Insurance

When you begin the journey to find the best deal on automobile insurance, there are some important tips you should remember.

* Get quotes from several companies, and be sure you are comparing the same coverages.

* Check up on the company's complaint index and financial rating.

* Choose the highest deductible you can manage in order to reduce your premium.

* Always give truthful answers for quotes.

* Verify a company's legitimacy by calling or visiting the website for the Texas Dept of Insurance -

Consumer Help Line

Car Insurance Discounts

Most insurance companies offer discounts to drivers who meet certain criteria. Be sure to find out if you are elegible for any discounts such as these ...

GOOD STUDENT DISCOUNT - usually a full time student with a B average or better is eligible.

NON-SMOKER DISCOUNT - some companies will reward a healthy lifestyle decision with a discount.

MULTI-LINE DISCOUNT - having more than one type of policy with the same company usually qualifies.

SAFE DRIVER COURSE - older drivers may be able to qualify for a discount by taking a safety course.

MULTI-CAR DISCOUNT - insuring more than one vehicle generally includes a discount.

SAFETY DEVICES - devices such as side air bags and automatic seat belts earn lower premiums.

Various Types Of Coverage

Bodily Injury Liability Coverage -
will pay expenses such as medical bills and auto repair for someone you injure (or kill) in an accident that is your fault.

Comprehensive Coverage -
will pay for damage to your own vehicle from causes not wreck related, such as hail, wind, theft, fire, etc.

Collision Coverage -
will pay for damage to your own auto, even if you were at fault in the wreck.

Uninsured/Underinsured Motorist -
will pay for your injuries and vehicle damage if caused by an uninsured motorist or one without sufficient insurance to cover your expenses.

If Your Vehicle Is Older:

It would be a good idea to do a little math to see if you might be better off to lower certain coverage amounts or even drop some coverages all together.

First, add up the yearly amount you are paying in premiums for your auto insurance. Next, look up the value of your vehicle in the Blue Book, then subtract your deductible from that figure.

If you are paying more in premiums than the cost of replacing your vehicle, you should definitely consider removing comprehensive and collision coverages from your policy.

Report Changes ASAP:

Be sure to report changes to your insurance company as soon as you possibly can. It is extremely important to maintain accurate information in your records, as that information could affect a claim if you find it necessary to file one.

Some of the changes you should definitely report are:

Name change
Address change
Added vehicle
Sold a vehicle
Added a driver
A driver moved out

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Please remember to get the quotes you need by putting your zip code in the box above. Let us get your quotes so you can begin saving on your auto insurance right away!
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