It’s shocking but a large majority of consumers kept their policy with the same company for at least four years, and 38% of customers have never even compared rates from other companies. The average driver in Texas can save up to $1,800 each year, but they don’t want to take the time to do a rate comparison.
The easiest way to get affordable Suzuki XL-7 insurance in Lubbock is to begin comparing prices regularly from different companies that insure vehicles in Texas.
First, take a little time to learn about how car insurance works and the changes you can make to keep rates low. Many risk factors that result in higher prices such as accidents, traffic violations, and a low credit rating can be rectified by making lifestyle changes or driving safer. Read the full article for more details to help reduce prices and find discounts that may have been missed.
Second, compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from a single company like GEICO or Allstate, while agents who are independent can give you price quotes for many different companies. View prices
Third, compare the new quotes to your current policy to determine if switching companies saves money. If you find better rates, make sure there is no coverage gap between policies.
Fourth, tell your current agent or company to cancel your current car insurance policy. Submit the signed application along with the required initial payment to the new company. When you receive it, put the certificate of insurance along with your vehicle registration.
A crucial key to this process is to try to use similar deductibles and liability limits on every price quote and and to get rate quotes from as many different insurance providers as possible. This ensures an apples-to-apples comparison and a complete price analysis.
If you already have coverage or need a new policy, you can use these tips to reduce premiums without having to cut coverage. Locating the most cost-effective car insurance policy in Lubbock is quite easy. Drivers just need to use how to get comparison quotes online from multiple companies.
Do you qualify for discounts on Suzuki XL-7 insurance in Lubbock?
Auto insurance is expensive, but there could be significant discounts to reduce the price significantly. Some discounts will apply when you purchase, but lesser-known reductions have to be asked about prior to getting the savings.
- Save with More Vehicles Insured – Insuring multiple cars or trucks on the same auto insurance policy qualifies for this discount.
- Early Signing – A few auto insurance companies offer discounts for renewing your policy prior to your current XL-7 insurance policy expiring. It’s a savings of about 10%.
- No Accidents – Insureds who avoid accidents and claims have much lower rates compared to drivers who are more careless.
- Telematics Data Discounts – Lubbock drivers who agree to allow driving data collection to track driving patterns by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they have good driving habits.
- Discounts for Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts can save a little off PIP or medical payments premium.
While discounts sound great, it’s important to understand that most discounts do not apply to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. Even though the math looks like you can get free auto insurance, insurance companies wouldn’t stay in business.
To choose auto insurance companies who offer online Suzuki XL-7 insurance quotes in Lubbock, click here.
The method we recommend to compare car insurance rates for Suzuki XL-7 insurance in Lubbock is to understand most insurance companies pay for the opportunity to give rate comparisons. The only thing you need to do is give them rating details such as if you are currently licensed, if it has an alarm system, driver ages, and an estimate of your credit level. That rating information gets sent immediately to insurance carriers in your area and you receive quotes almost instantly.
To find lower cheap Suzuki XL-7 insurance rates now, click here then complete the form.
The companies shown below provide price quotes in Texas. To buy cheap car insurance in Lubbock, it’s highly recommended you visit as many as you can in order to get a fair rate comparison.
Why Informed Consumers Pay Less for Suzuki XL-7 Insurance
Many different elements are used in the calculation when pricing auto insurance. Some are obvious like your driving record, although others are more obscure such as your marital status or how safe your car is.
Listed below are some of the major factors that factor into prices.
- Teenagers are high risk – Older drivers have been proven to be more responsible, cost insurance companies less in claims, and usually have better credit. Teenage drivers are proven to be less responsible behind the wheel therefore insurance rates are much higher.
- Small claims can cost you – Car insurance companies in Texas generally give better rates to people that do not abuse their auto insurance. If you file a lot of claims you can definitely plan on higher rates. Auto insurance is intended for claims that you cannot pay yourself.
- Rates can drop if you have more than one policy – Most major companies give better rates to people who carry more than one policy. It’s known as a multi-policy discount. Even with this discount applied, it’s always a smart idea to get quotes from other companies to make sure you are getting the best deal.
- Higher rates for specific employers – Do you have a high-stress occupation? Careers like judges, architects, and medical professionals generally pay higher premiums than the average policyholder because of job stress and lots of time spent away from family. On the flip side, careers like scientists, students and the unemployed get better rates.
- Big cities have higher prices – Being located in areas with lower population can be a good thing when trying to find low car insurance rates. Fewer drivers on the road means less chance of accidents. City drivers have to deal with congested traffic and more time behind the wheel. Longer commute distances translates into higher accident risk.
- Better insurance rates with anti-theft devices – Choosing to buy a car with advanced anti-theft systems can save you some money. Theft prevention devices like OnStar, LoJack tracking, and tamper alarms all aid in stopping car theft.
- Put fewer miles on your vehicle – The more miles you rack up on your Suzuki in a year the higher your rate. A lot of companies calculate prices based upon how much you drive. Autos not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your declarations sheet is showing how each vehicle is driven, because improper ratings can cost you money. Having an incorrect usage rating on your XL-7 is throwing money out the window.
You may need specialized insurance coverage
When selecting coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.
For example, these questions can aid in determining whether your personal situation may require specific advice.
- Does coverage extend to a rental car in a foreign country?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- How much will a speeding ticket raise my rates?
- When should I not file a claim?
- Am I insured when driving a different vehicle?
- Does liability extend to a camper or trailer?
- Will damage be repaired with OEM parts?
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. To find an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.
Get rate quotes but still have a local Lubbock insurance agency
Many people still like to buy from a local agent and that is OK! Agents are very good at helping people manage risk and will help you if you have claims. One of the best bonuses of getting free rate quotes online is you may find cheap auto insurance quotes and still buy from a local agent.
After filling out this form (opens in new window), your information is sent to participating agents in Lubbock who can give free rate quotes for your business. You never need to search for any insurance agencies because quoted prices will be sent to your email. If for some reason you want to quote rates from a specific insurance company, you just need to jump over to their website and fill out their quote form.
Deciding on a insurance company requires you to look at more than just a cheap quote. Get answers to these questions too.
- Can you use your own choice of collision repair facility?
- Does the agent have a valid license to sell insurance in Texas?
- Are you getting all the discounts the company offers?
- Does the company use OEM repair parts?
- How experienced are they in personal risk management?
- Which insurance companies are they affiliated with?
- Does their agency support local causes in Lubbock?
- Are claim adjusters local or do you have to take your car somewhere else?
When searching for a reputable insurance agent or broker, it helps to know the two types of insurance agents to choose from. Agents in Lubbock can be classified as either independent or exclusive depending on the company they work for. Either type can write auto insurance policies, but it’s important to know the difference in the companies they write for since it can impact your selection of an agent.
Exclusive Auto Insurance Agents
Agents that choose to be exclusive normally can only provide a single company’s rates like State Farm, Allstate, or Farmers Insurance. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. These agents are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents.
Below is a list of exclusive agents in Lubbock that can give you rate quotes.
Ana Borrego – State Farm Insurance Agent
8001 Quaker Ave STE G – Lubbock, TX 79424 – (806) 745-2555 – View Map
Farmers Insurance
3206 34th St – Lubbock, TX 79410 – (806) 791-2892 – View Map
Mark Jennings – State Farm Insurance Agent
6301 19th St #4 – Lubbock, TX 79407 – (806) 792-4432 – View Map
Independent Agents
Independent insurance agents are normally appointed by many insurers and that enables them to quote your coverage through many companies and get the cheapest rates. If they find a cheaper price, the agent simply finds a different carrier which is easy for the insured.
When comparing auto insurance rates, you absolutely need to get several quotes from several independent agencies in order to compare the most rates.
Listed below are Lubbock independent agencies willing to provide price quote information.
David Tate Insurance Agency LLP
5233 79th St – Lubbock, TX 79424 – (806) 794-1177 – View Map
Shamburger Agency
12215 Quaker Ave – Lubbock, TX 79424 – (806) 783-8959 – View Map
Circle Insurance
6520 University Ave – Lubbock, TX 79412 – (806) 797-4131 – View Map
After receiving good answers to all your questions and a good coverage price, you may have found a car insurance agent that is reliable enough to properly insure your vehicles.
Insuring your Suzuki XL-7 just makes sense
Even though it’s not necessarily cheap to insure a Suzuki in Lubbock, paying for insurance is required in Texas but also provides important benefits.
- The majority of states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability coverage in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Suzuki, almost every bank will require that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the lender will be forced to insure your Suzuki at an extremely high rate and make you pay a much higher amount than you were paying before.
- Insurance preserves not only your Suzuki but also your financial assets. Insurance will also pay for medical expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your Suzuki gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of buying insurance greatly outweigh the cost, especially for larger claims. Today the average American driver is overpaying over $869 every year so it’s very important to do a rate comparison at least once a year to save money.
Auto insurance company ratings
Choosing a high-quality auto insurance company can be rather challenging considering how many different companies there are to choose from in Lubbock. The company rank data in the next section can help you pick which providers to look at purchasing coverage from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
In the end, you can save money
You just read some good ideas how to find cheaper Suzuki XL-7 insurance in Lubbock. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even discover the lowest premium rates come from the least-expected company.
Budget-conscious Suzuki XL-7 insurance can be sourced on the web and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies do not offer rate quotes online and most of the time these smaller providers prefer to sell through independent agents.
As you prepare to switch companies, it’s a bad idea to buy less coverage just to save a little money. In many instances, an insured dropped collision coverage to discover at claim time they didn’t purchase enough coverage. Your objective should be to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.
For more information, link through to these articles:
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- Who Has Cheap Car Insurance Rates for a Toyota Tacoma in Lubbock? (FAQ)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Credit Impacts Car Insurance Rates (State Farm)