Remarkably, a study showed that over 70% of drivers have purchased from the same company for at least four years, and just under half have never even compared rates from other companies. Lubbock drivers could save themselves up to 70% a year by just shopping around, but they don’t invest the time required to compare rate quotes.
If you want to save money, the best way to get low-cost auto insurance rates in Lubbock is to start comparing prices yearly from insurers that insure vehicles in Texas.
Step 1: Try to learn about individual coverages and the modifications you can make to prevent expensive coverage. Many rating factors that cause rate increases like accidents, traffic tickets, and an unacceptable credit history can be rectified by being financially responsible and driving safely.
Step 2: Request rate estimates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or Allstate, while agents who are independent can quote rates for a wide range of insurance providers.
Step 3: Compare the new rate quotes to your existing coverage and see if there is a cheaper rate. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Notify your company or agent of your decision to cancel your current auto insurance policy and submit any necessary down payment along with the completed application to the new company. As soon as you have the new policy, keep your new proof of insurance paperwork in your vehicle.
One thing to remember is that you’ll want to make sure you compare identical coverage information on every quote request and and to get rates from as many companies as you can. Doing this guarantees an accurate price comparison and a thorough selection of prices.
If you are insured now, you will surely be able to get lower rates using the following tips. Finding the cheapest coverage in Lubbock can be easy if you know a few tricks. Nevertheless, Texas drivers can benefit by having an understanding of the way companies determine prices because it can help you find the best coverage.
Don’t overlook these Dodge Ram 3500 insurance discounts
The price of auto insurance can be rather high, but you can get discounts that many consumers don’t even know exist. Some discounts will apply at quote time, but less common discounts must be asked about in order for you to get them.
- Paperless Signup – Some of the larger companies provide a small discount shop Lubbock auto insurance on their website.
- Telematics Data – Insureds that choose to allow companies to monitor driving patterns by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks as long as the data is positive.
- Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices help deter theft so companies will give you a small discount.
- Memberships – Being a member of a professional or civic organization may earn a discount on your next car insurance statement.
- ABS Braking Discount – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.
- Government Employees – Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
As a footnote on discounts, many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, it just doesn’t work that way.
The chart below shows the comparison of Dodge Ram 3500 insurance rates with and without policy discounts. The rates are based on a male driver, no violations or accidents, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, claim-free, marriage, and multi-policy discounts applied.
A few companies that may have some of the above discounts are:
Check with each company or agent which discounts they offer. Some of the discounts discussed earlier might not be offered in your state. To see companies with discount car insurance rates in Texas, click this link.
When shopping for cheaper Lubbock auto insurance quotes, there are a couple of ways to compare quotes from lots of Texas insurance companies. By far the easiest way to find affordable Dodge Ram 3500 insurance rates is to use the internet to compare rates.
Getting price quotes online is very simple and it makes it obsolete to actually drive to and from local Lubbock insurance agencies. Shopping for insurance online eliminates the need for an insurance agent unless you prefer the peace of mind that only a licensed agent can provide. It is possible to compare the best prices online and still use a local agent.
It’s important to know that comparing all the rates in your area provides better odds of finding more affordable rates. Not every company allows you to get Lubbock Ram 3500 insurance quotes online, so it’s recommended that you also compare rates from those companies as well.
The companies in the list below can provide comparison quotes in Texas. If you want cheaper auto insurance in Texas, we suggest you click on several of them in order to find the most affordable rates.
Rates and detailed analysis
The information shown next outlines estimates of rate quotes for Dodge Ram 3500 models. Having a good understanding how insurance prices are determined is important for drivers to make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Ram 3500 Crew Cab Laramie 2WD | $262 | $392 | $388 | $24 | $116 | $1,182 | $99 |
| Ram 3500 Crew Cab ST 2WD | $322 | $462 | $388 | $24 | $116 | $1,312 | $109 |
| Ram 3500 Crew Cab ST 4WD | $322 | $532 | $582 | $34 | $174 | $1,644 | $137 |
| Ram 3500 Crew Cab SLT 2WD | $322 | $532 | $388 | $24 | $116 | $1,382 | $115 |
| Ram 3500 Mega Cab SLT 2WD | $322 | $532 | $388 | $24 | $116 | $1,382 | $115 |
| Ram 3500 Mega Cab SLT 4WD | $322 | $602 | $582 | $34 | $174 | $1,714 | $143 |
| Ram 3500 Crew Cab SLT 4WD | $322 | $602 | $582 | $34 | $174 | $1,714 | $143 |
| Ram 3500 Crew Cab Laramie 4WD | $322 | $602 | $582 | $34 | $174 | $1,714 | $143 |
| Ram 3500 Mega Cab Laramie 2WD | $322 | $532 | $388 | $24 | $116 | $1,382 | $115 |
| Ram 3500 Crew Cab Laramie 2WD | $322 | $532 | $388 | $24 | $116 | $1,382 | $115 |
| Ram 3500 Mega Cab Laramie 4WD | $322 | $602 | $582 | $34 | $174 | $1,714 | $143 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can revise rates substantially.
Liability only or full coverage
The information below shows the comparison of Dodge Ram 3500 insurance costs with and without full coverage. The costs are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
When to stop buying comprehensive and collision coverage
There isn’t a written rule of when to phase out comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s assume your Dodge Ram 3500 replacement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after the deductible is paid. If it’s costing in excess of $400 a year for comprehensive and collision coverage, then you might consider buying liability only.
There are some conditions where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
When should I have guidance from a local insurance agent?
Certain consumers just prefer to get advice from a local agent and that can be a smart move One of the great benefits of getting online price quotes is that you can find better rates but also keep your business local. Buying from and supporting neighborhood agents is still important in Lubbock.
After completing this quick form, your coverage information is submitted to companies in Lubbock that can give you free Lubbock auto insurance quotes and help you find cheaper coverage. You won’t even need to contact any agents due to the fact that quote results will go directly to you. It’s the lowest rates and a licensed agent to talk to. If you have a need to get a rate quote from a specific insurance provider, just find their quoting web page to submit a rate quote request.
When finding a reputable agency, there are a couple of types of agencies and how they work. Agencies in Lubbock are classified as either exclusive or independent (non-exclusive).
Independent Insurance Agencies
Agents of this type are not employed by any specific company so as a result can place your coverage with any number of different companies and possibly get better coverage at lower prices. If they find a lower price, they can switch companies in-house and you don’t have to do anything. When comparing rates, we recommend you compare prices from at a minimum one independent agency to ensure the widest selection of prices.
Shown below is a list of independent insurance agents in Lubbock that may be able to give you rate quotes.
Ashmore and Associates Insurance Agency, LLC
6102 82nd St #6 – Lubbock, TX 79424 – (806) 745-8358 – View Map
David Tate Insurance Agency LLP
5233 79th St – Lubbock, TX 79424 – (806) 794-1177 – View Map
Alliance Insurance Agency
3307 82nd St – Lubbock, TX 79423 – (806) 792-0135 – View Map
Exclusive Insurance Agents
These agents can only write with one company such as Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot give you multiple price quotes so they have to upsell other benefits. These agents are usually quite knowledgeable on sales techniques which helps offset the inability to provide other markets.
Shown below is a short list of exclusive insurance agents in Lubbock that can give you price quote information.
Chris Prather – State Farm Insurance Agent
4412 74th St f101 – Lubbock, TX 79424 – (806) 792-3331 – View Map
Jason Grisham – State Farm® Insurance Agent
1102 Slide Rd, 33 – Lubbock, TX 79416 – (806) 793-3101 – View Map
Scott Powell – State Farm Insurance Agent
3410 98th St Ste 3 – Lubbock, TX 79423 – (806) 793-2855 – View Map
Finding the right insurance agent needs to be determined by more than just a cheap price quote. A good agent in Lubbock will have answers to these questions.
- How many years of experience in personal auto insurance do they have?
- Who are their largest clients?
- How will an accident affect your rates?
- Can glass claims be handled at your home?
- Do they get extra compensation for selling add-on coverages?
- Will their companies depreciate repairs to your car based on the mileage?
Once you have reasonable responses to all your questions as well as an affordable premium quote, chances are good that you have found an insurance agent that will provide insurance coverage.
Cheaper coverage is out there
Lower-priced car insurance in Lubbock can be purchased online and from local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not provide online quoting and these small insurance companies prefer to sell through independent insurance agents.
As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. The goal is to find the BEST coverage at the best price.
Additional car insurance information is available at these links:
- Senior Drivers (Insurance Information Institute)
- Who Has Affordable Auto Insurance Quotes for Unemployed Drivers in Lubbock? (FAQ)
- What Insurance is Cheapest for Teenagers in Lubbock? (FAQ)
- Who Has Cheap Auto Insurance Rates for Good Students in Lubbock? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Active Military in Lubbock? (FAQ)
- Information for Teen Drivers (GEICO)
- Vehicle Size and Weight FAQ (iihs.org)
- What does Personal Injury Protection (PIP) Cover? (Allstate)