Searching for more affordable Acura NSX insurance in Lubbock? Saving money on Acura NSX insurance in Lubbock is always challenging for beginners to comparison shopping online. With such a big selection of agents and insurers to choose from, it can quickly become a difficult situation to find the lowest price on Acura NSX insurance.
It’s astonishing, but most insurance buyers in Texas have stayed with the same insurance company for more than four years, and just under half have never compared rates to find cheap insurance. Consumers in the United States could save approximately $850 a year just by comparing rates, but they just don’t want to do a rate comparison.
Auto insurance providers offering cheap rate quotes in Texas
The companies shown below have been selected to offer price quotes in Texas. To find the cheapest auto insurance in Texas, we suggest you visit several of them in order to find the most competitive rates.
Do you qualify for these nine discounts?
Companies that sell car insurance don’t always publicize every discount available in an easy-to-find place, so we break down a few of the more well known and the more hidden discounts that you can inquire about if you buy Lubbock car insurance online.
- Driver Education Discount – Require your teen driver to enroll in driver’s education if it’s offered in school.
- Claim Free – Drivers who don’t have accidents can earn big discounts in comparison with insureds who have frequent claims or accidents.
- Save with a New Car – Adding a new car to your policy can save up to 30% due to better safety requirements for newer models.
- Safety Course Discount – Successfully completing a course that instructs on driving safety could earn you a small percentage discount if your company offers it.
- Discount for Multiple Policies – If you combine your auto and home policies and insure them with the same company you will save 10% to 20% off each policy.
- Save with More Vehicles Insured – Having multiple cars on a single policy can get a discount on all vehicles.
- Distant Student Discount – College-age children who are enrolled in higher education away from home and don’t have a car may be insured at a cheaper rate.
- Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and will save you 10% or more on NSX insurance in Lubbock.
- Own a Home – Owning a home in Lubbock can save you money because it requires personal responsibility.
As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way. But any discount will definitely reduce your policy cost.
Car insurance companies that may include some of the discounts shown above include:
When getting free Lubbock car insurance quotes, it’s a good idea to all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts may not apply in your state. To locate insurers who offer free Acura NSX insurance quotes in Lubbock, click this link.
Independent versus exclusive car insurance agents
A lot of people just want to sit down with an agent and that can be a smart move A nice benefit of getting free rate quotes online is you can get lower premium rates and still choose a local agent. Buying from and supporting neighborhood agents is important especially in Lubbock.
After completing this quick form, your coverage information is immediately sent to agents in your area that can provide free Lubbock car insurance quotes for your car insurance coverage. It’s much easier because you don’t need to visit any agencies since price quotes are sent to you directly. You can find better rates and work with a local agent. If you need to quote rates from a particular provider, just jump over to their website and fill out the quote form the provide.
Lubbock auto insurance agents come in two flavors
If you prefer to buy car insurance from a reliable insurance agency, you must know there are a couple types of agencies and how they work. Lubbock agents are classified as either exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agencies
Independent insurance agents do not have single company limitations and that enables them to quote your coverage with multiple insurance companies and find the cheapest car insurance rates. If prices rise, your agent can just switch to a different company and you don’t have to switch agencies.
If you are trying to find cheaper rates, we recommend you get quotes from a few independent agents to have the best price comparison. Most have the option of insuring with smaller regional carriers which can save you money.
The following is a short list of independent agents in Lubbock that may be able to provide free car insurance rate quotes.
- Bledsoe Insurance Agency
5143 69th St – Lubbock, TX 79424 – (806) 794-8686 – View Map - Ashmore and Associates Insurance Agency, LLC
6102 82nd St #6 – Lubbock, TX 79424 – (806) 745-8358 – View Map - Alan Henry Insurance Agency
3405 19th St – Lubbock, TX 79410 – (806) 792-3771 – View Map
Exclusive Insurance Agents
These type of agents can only place business with one company such as American Family, State Farm, and AAA. Exclusive agencies are unable to give you multiple price quotes so keep that in mind. These agents receive a lot of sales training on what they offer which aids in selling service over price. Many people purchase coverage from exclusives mainly due to the prominence of the brand instead of buying on price only.
Below are exclusive agencies in Lubbock willing to provide comparison quotes.
- Allstate Insurance Agent: Doug Townsend
3901 84th St – Lubbock, TX 79423 – (806) 698-1611 – View Map - Ana Borrego – State Farm Insurance Agent
8001 Quaker Ave STE G – Lubbock, TX 79424 – (806) 745-2555 – View Map - Kevin Watson – State Farm Insurance Agent
13033 Quaker Ave SUITE B – Lubbock, TX 79423 – (806) 797-3329 – View Map
Finding a good auto insurance agent shouldn’t rely on just the price. Any agent in Lubbock should be willing to answer these questions.
- Do they have cheaper tiers of coverage?
- How does the company pay claims for a total loss?
- Is their price quote a firm figure or are their hidden costs?
- Are all drivers listed on the coverage quote?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
What is the best auto insurance company in Lubbock?
Finding the highest-rated insurer is difficult considering how many choices you have in Texas. The ranking information below can help you analyze which companies you want to consider when comparing rates.
Top 10 Lubbock Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Lubbock Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Insurance coverages and their meanings
Knowing the specifics of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.
Collision protection
Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for things like rolling your car, damaging your car on a curb, sideswiping another vehicle, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible on your NSX to save money on collision insurance.
UM/UIM Coverage
This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.
Since many Texas drivers only purchase the least amount of liability that is required (30/60/25 in Texas), their limits can quickly be used up. So UM/UIM coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.
Coverage for liability
This protects you from damage that occurs to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 30/60/25 which stand for $30,000 bodily injury coverage, a total of $60,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage protects against things like structural damage, bail bonds and emergency aid. The amount of liability coverage you purchase is up to you, but buy as much as you can afford. Texas state law requires minimum liability limits of 30/60/25 but it’s recommended drivers buy more coverage.
The next chart shows why low liability limits may not be enough.
Comprehensive or Other Than Collision
This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as hitting a deer, damage from a tornado or hurricane, theft and damage from getting keyed. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Medical costs insurance
Medical payments and Personal Injury Protection insurance provide coverage for expenses such as dental work, nursing services and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Be persistent to save money
In this article, we covered quite a bit of information on how to find affordable Acura NSX insurance in Lubbock. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Drivers may even discover the most savings is with a small mutual company.
When shopping online for car insurance, you should never sacrifice coverage to reduce premiums. In many instances, drivers have reduced uninsured motorist or liability limits only to regret that it was a big error on their part. The goal is to find the BEST coverage at a price you can afford and still be able to protect your assets.
Budget-friendly car insurance in Lubbock is definitely available both online 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 may not provide rates over the internet and usually these small, regional companies sell through local independent agencies.
How to save on Acura NSX insurance in Lubbock
The preferred way to get the cheapest auto insurance rates is to compare quotes annually from companies who sell auto insurance in Lubbock. Drivers can shop around by following these steps.
Step 1: Try to learn a little about car insurance and the measures you can control to lower rates. Many rating factors that result in higher prices such as distracted driving and a less-than-favorable credit rating can be eliminated by paying attention to minor details.
Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive or Farmers Insurance, while independent agents can quote prices for a wide range of companies.
Step 3: Compare the quotes to your current policy to see if a cheaper price is available in Lubbock. If you can save some money and change companies, make sure there is no coverage gap between policies.
One bit of advice is to try to use identical coverages on each quote request and and to look at as many auto insurance providers as possible. This guarantees a fair price comparison and the best price selection.
For more information, feel free to browse these articles:
- Rollover Crash FAQ (iihs.org)
- What Insurance is Cheapest for a Honda CR-V in Lubbock? (FAQ)
- Who Has Cheap Car Insurance for Drivers Over Age 60 in Lubbock? (FAQ)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Teen Driver Statistics (Insurance Information Institute)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Reducing Your Risks in a Car Crash Video (iihs.org)