Trying to find the cheapest insurance for a new or used GMC Envoy in Texas can turn out to be a lot of work, but you can learn these tips and make it easy. There are more efficient ways to buy car insurance and you need to know the quickest way to price shop coverage for a GMC and locate the best price possible from both online companies and Lubbock agents.
Buying the cheapest insurance in Lubbock can be easy if you know a few tricks. If you are insured now or need new coverage, use these money-saving tips to get lower rates while maintaining coverages. Drivers just have to know the fastest way to compare price quotes over the internet.
Where can I get affordable Lubbock GMC Envoy insurance?
Getting cheaper insurance pricing is surprisingly easy. You just have to take the time to get quotes to find the company with inexpensive Lubbock auto insurance quotes.
The companies shown below provide free rate quotes in Texas. If multiple companies are listed, we recommend you visit as many as you can to get a more complete price comparison.
Discount Lubbock auto insurance rates
Auto insurance is expensive, but there may be some discounts that many people don’t even know exist. Some discounts will apply when you get a quote, but some must be asked about prior to receiving the credit.
- Multi-policy Discount – If you have multiple policies and insure them with the same company you could save 10% to 20% off each policy.
- Active Service Discounts – Being on active deployment in the military could trigger a small discount.
- No Accidents – Insureds with no claims or accidents have much lower rates when compared with accident-prone drivers.
- Drive Safe and Save – Insureds who avoid accidents can pay as much as 50% less than drivers with accident claims.
- Anti-lock Brake System – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
- Discounts for Multiple Vehicles – Insuring multiple vehicles on the same auto insurance policy qualifies for this discount.
Discounts save money, but please remember that most credits do not apply to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, you aren’t that lucky. But all discounts will help lower your auto insurance premiums.
A few companies that may include these discounts include:
Before purchasing a policy, check with every insurance company to apply every possible discount. Some discounts might not be offered on policies in Lubbock. To find insurance companies with significant discounts in Lubbock, click this link.
Texas car insurance companies ranked
Finding the highest-rated company can be rather challenging considering how many companies there are in Texas. The ranking information shown next can help you decide which auto insurers you want to consider comparing prices 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
GMC Envoy Insurance Cost Factors
Smart consumers have a good feel for some of the elements that go into determining the level of your policy premiums. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that will entitle you to big savings. Lots of factors are part of the calculation when pricing auto insurance. Most are fairly basic such as your driving history, although others are more transparent like where you live or how financially stable you are.
The itemized list below are most of the major factors companies use to determine your rate level.
Liability protection risk factors – The liability coverage on your policy kicks in in the event that you are responsible for physical damage or personal injury to other. It provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to other policy coverages, so buy as much as you can afford.
How your age affects prices – Older insureds are proven to be safer behind the wheel, cost insurance companies less in claims, and get fewer tickets. Youthful drivers have a tendency to be more careless when at the wheel of a vehicle and because of this, their auto insurance rates are much higher.
Gender is a factor – Over the last 30 years, statistics show women tend to be less risk to insure than men. It does not mean females are better drivers. Women and men cause fender benders in similar percentages, but the male of the species have costlier accidents. Not only that, but men also receive more major tickets like reckless driving and DUI.
Never go without auto insurance – Having an insurance coverage lapse is a guaranteed way to bump up your auto insurance costs. In addition to paying higher rates, the inability to provide proof of insurance could result in a fine, jail time, or a revoked license. You may then be required to prove you have insurance by filing a SR-22 with the Texas motor vehicle department to get your license reinstated.