How many years has it been since you compared more affordable car insurance rates in Lubbock, TX? Lubbock consumers have a choice when looking for the lowest priced Hyundai Tucson insurance. They can either spend hours struggling with agents to get rate comparisons or use the internet to get rate quotes.
There is a better way to buy car insurance so you’re going to learn the best way to get price quotes for a Hyundai and find the lowest price from Lubbock insurance agents and online providers.
Unfortunately, nearly 70% of customers kept their policy with the same company for more than four years, and practically 40% of car insurance customers have never shopped around. Lubbock drivers could save almost $1,800 a year by just comparing quotes, but they think it’s difficult to compare rate quotes.
The method we recommend to compare car insurance company rates for Hyundai Tucson insurance in Lubbock is to understand car insurance companies allow for online access to compare their rates. The only thing you need to do is spend a couple of minutes providing details including level of coverage desired, daily mileage, whether you have decent credit, and how old drivers are. Your rating data gets sent immediately to all major companies and you will get price comparisons instantly to find the best rate.
To compare lower-cost Hyundai Tucson insurance rates now, click here and enter your zip code.
The providers in the list below offer quotes in Lubbock, TX. To locate the best cheap car insurance in Lubbock, TX, we suggest you visit several of them in order to find the most affordable rates.
Why do I need car insurance?
Despite the high cost, paying for auto insurance is most likely required but also gives you several important benefits.
- The majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability coverage if you don’t want to risk a ticket. 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 Hyundai Tucson, most lenders will make it mandatory that you carry insurance to ensure they get paid if you total the vehicle. If you default on your policy, the lender will be forced to insure your Hyundai at a more expensive rate and force you to pay for it.
- Insurance protects both your vehicle and your assets. It will also reimburse you for medical bills incurred in an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your policy will cover the damage repairs after a deductible is paid.
The benefits of insuring your car are without a doubt worth the cost, particularly when you have a large claim. As of last year, the average driver in Texas overpays as much as $810 a year so compare rate quotes each time the policy renews to be sure current rates are still competitive.
Hyundai Tucson detailed coverage information
The rate table shown below showcases different rate quotes for Hyundai Tucson models. Learning a little about how rate quotes are determined can aid in making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tucson GLS 2WD | $208 | $328 | $382 | $22 | $114 | $1,054 | $88 |
| Tucson GLS 4WD | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Tucson Limited 2WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Tucson Limited 4WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can change premium rates greatly.
Should you raise deductibles?
The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The following tables may help to conceptualize the differences in premium rates between high and low physical damage coverage deductibles. The first data set uses a $100 deductible and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tucson GLS 2WD | $286 | $486 | $382 | $22 | $114 | $1,315 | $110 |
| Tucson GLS 4WD | $328 | $486 | $382 | $22 | $114 | $1,357 | $113 |
| Tucson Limited 2WD | $328 | $592 | $382 | $22 | $114 | $1,463 | $122 |
| Tucson Limited 4WD | $328 | $592 | $382 | $22 | $114 | $1,463 | $122 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tucson GLS 2WD | $208 | $328 | $382 | $22 | $114 | $1,054 | $88 |
| Tucson GLS 4WD | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Tucson Limited 2WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Tucson Limited 4WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium amounts do not factor in garaging location in Lubbock which can modify premium rates significantly.
Based on the above data, using a $100 deductible costs an average of $24 more each month or $288 every year than selecting the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 17 months between claim filings, you would save more money going with the higher deductible.
Should you buy full coverage?
The diagram below illustrates the difference between Hyundai Tucson insurance costs with full physical damage coverage and with liability coverage only. The premiums assume no claims or violations, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
When to drop comp and collision
There isn’t a steadfast formula of when to stop paying for comp and collision coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Hyundai Tucson claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $7,000 after paying your deductible. If you are currently paying more than $700 annually for full coverage, then you may need to consider dropping full coverage.
There are some cases where removing full coverage is not advised. If you haven’t paid off your loan, you have to maintain full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage.
Companies offer many types of discounts on Hyundai Tucson insurance in Lubbock
Insurance can cost an arm and a leg, but you may be missing some discounts that you may not know about. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be specially asked for before you will receive the discount.
- Organization Discounts – Joining a qualifying organization is a good way to get lower rates when getting a Lubbock car insurance quote.
- Student in College – College-age children who are attending college without a vehicle on campus may qualify for this discount.
- Air Bag Discount – Vehicles with factory air bags or automatic seat belts may qualify for discounts of up to 25% or more.
- Low Miles Discount – Driving fewer miles may enable drivers to earn lower auto insurance rates due to less chance of an accident.
- Discount for Life Insurance – Select companies reward you with better premium rates if you take out life insurance from them.
It’s important to note that some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will positively reduce your auto insurance premiums.
The information below shows the difference between Hyundai Tucson auto insurance costs with and without discounts applied. The data is based on a male driver, a clean driving record, no claims, 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 safe-driver, multi-policy, claim-free, homeowner, marriage, and multi-car discounts applied.
For a list of insurers that offer multiple discounts in Lubbock, click here.
When should I get advice from an insurance agent?
Some consumers would prefer to sit down with an agent and that is recommended in a lot of cases Licensed agents are trained risk managers and help in the event of a claim. The best thing about comparing rate quotes online is that you can obtain the lowest rates but also keep your business local. Buying from local agencies is especially important in Lubbock.
To make it easy to find an agent, after completing this form (opens in new window), your information is submitted to companies in Lubbock who will give you quotes and help you find cheaper coverage. It makes it easy because there is no need to find an agent on your own because prices are sent instantly to you. In the event you want to compare rates from a specific insurance company, you would need to find their quoting web page and give them your coverage information.
If you want to use a local Lubbock insurance agency, you must know there are a couple types of insurance agents from which to choose. Insurance agents can be categorized as either independent or exclusive. Either type can do a good job, but we need to point out the subtle differences since it could factor into which type of agent you select.
Independent Insurance Agents
These agents are not restricted to one company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. If your premiums go up, they simply switch companies in-house and you don’t have to switch agencies. When comparison shopping, you definitely need to get rate quotes from a few independent agents in order to compare the most rates. Many write coverage with smaller companies which may have better rates.
Featured below is a small list of independent agencies in Lubbock who may provide competitive price quotes.
- Holmes/Bednarz Insurance Agency
5717 66th St #110 – Lubbock, TX 79424 – (806) 748-5453 – View Map - Ince Insurance Inc
7005 Salem Park Dr – Lubbock, TX 79424 – (806) 797-4131 – View Map - The Shropshire Agency, Inc.
5812 66th St – Lubbock, TX 79424 – (806) 763-7311 – View Map
Exclusive Insurance Agents
Agents of this type can only write with one company like State Farm, AAA, Farmers Insurance or Allstate. They are unable to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. These agents are usually quite knowledgeable on sales techniques and that enables them to sell even at higher rates. Some people will only use the same agent primarily because of the prominent brand name rather than low rates.
Shown below is a list of exclusive insurance agents in Lubbock willing to provide comparison quotes.
- Mike Fox – State Farm Insurance Agent
5910 130th St #101 – Lubbock, TX 79424 – (806) 701-5234 – View Map - Ana Borrego – State Farm Insurance Agent
8001 Quaker Ave STE G – Lubbock, TX 79424 – (806) 745-2555 – View Map - Farmers Insurance – Rc Calderon
1314 50th St – Lubbock, TX 79412 – (806) 741-1515 – View Map
Picking the best car insurance agent is decision based upon more than just the bottom line cost. Below are some questions you should ask.
- Is their price quote a firm figure or are their hidden costs?
- Does the agency have a positive business rating?
- Do they make recommendations based only on price?
- Do you work with a CSR or direct with the agent?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- If you raise deductibles, how much can you save?
- Do they have any clout with companies to ensure a fair claim settlement?
How much insurance do I need?
When choosing your policy, there isn’t really a “best” method to buy coverage. You are unique so your insurance needs to address that.
For example, these questions might point out if your situation might need an agent’s assistance.
- Am I covered if my car is in a flood?
- Can my babysitter drive my car?
- How much coverage applies to personal belongings?
- Will my Hyundai Tucson be repaired with OEM or aftermarket parts?
- Am I covered when driving on a suspended license?
- What if I don’t agree with a claim settlement offer?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.
Lubbock auto insurance company ratings
Insuring your vehicle with the top auto insurance company can be rather challenging considering how many choices there are in Texas. The ranking information shown next could help you choose which car insurance providers you want to consider purchasing coverage from.
Top 10 Lubbock Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
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
Auto insurance policy specifics
Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types available from auto insurance companies.
Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like hitting a deer, fire damage, theft, hitting a bird and rock chips in glass. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as funeral costs, EMT expenses, pain medications, doctor visits and hospital visits. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Coverage for liability – Liability coverage can cover damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 30/60/25 that means you have $30,000 in coverage for each person’s injuries, $60,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.
Liability coverage protects against claims such as medical services, attorney fees, legal defense fees and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford. Texas requires drivers to carry at least 30/60/25 but you should consider buying higher limits.
The chart below demonstrates why minimum state limits may not be high enough to adequately cover claims.
Uninsured and underinsured coverage – This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Hyundai Tucson.
Since many Texas drivers carry very low liability coverage limits (30/60/25 in Texas), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages do not exceed the liability coverage limits.
Collision coverage – This covers damage to your Tucson from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for things such as scraping a guard rail, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible on your Tucson in order to get cheaper collision rates.
Cover all your bases
As you prepare to switch companies, it’s not a good idea to buy less coverage just to save a little money. Too many times, an insured cut uninsured motorist or liability limits only to regret at claim time they didn’t have enough coverage. Your goal should be to get the best coverage possible at a price you can afford while still protecting your assets.
We’ve covered many ideas to get a better price on Hyundai Tucson insurance in Lubbock. The key thing to remember is the more price quotes you have, the higher your chance of finding low cost Lubbock car insurance quotes. Consumers could even find that the most savings is with a small mutual company. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm and Allstate.
How to find low-cost rates for Hyundai Tucson insurance in Lubbock
Really, the only way to get discount Hyundai Tucson insurance in Lubbock is to do an annual price comparison from different companies in Texas. Rate comparisons can be done by completing these steps.
First, spend a few minutes and learn about how insurance works and the factors you can control to drop your rates. Many things that result in higher rates such as getting speeding tickets and a substandard credit history can be eliminated by making minor changes to your lifestyle.
Second, compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like GEICO or State Farm, while independent agencies can quote prices for many different companies.
Third, compare the quotes to your current policy to see if a cheaper rate is available in Lubbock. If you can save money, make sure coverage does not lapse between policies.
Fourth, give notification to your current company of your intent to cancel your current auto insurance policy and submit the completed application along with a down payment for the new policy. As soon as you can, safely store the proof of insurance paperwork with the vehicle registration.
One tip to remember is to make sure you’re comparing identical limits and deductibles on each quote request and and to compare as many car insurance companies as possible. Doing this ensures a fair rate comparison and a thorough price selection.
More tips and info about car insurance is available in the articles below:
- Auto Insurance FAQ (Farmers Insurance)
- Who Has the Cheapest Car Insurance for Ride Shares in Lubbock? (FAQ)
- Who Has Affordable Car Insurance for a Dodge Grand Caravan in Lubbock? (FAQ)
- Who Has Cheap Car Insurance for Drivers Over Age 60 in Lubbock? (FAQ)
- Who Has Affordable Car Insurance Quotes for High Mileage Drivers in Lubbock? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Anti-Lock Brake FAQ (iihs.org)
- Speed and Speed Limit FAQ (iihs.org)