It’s a known fact that insurance companies don’t want customers comparing rates. Consumers who compare other prices will presumably move their business because there is a high probability of finding a more affordable policy premium. A recent auto insurance study discovered that drivers who compared rates regularly saved about $3,400 over four years compared to other drivers who don’t regularly compare prices.
If finding the lowest price on insurance in Lubbock is the reason for your visit, then having a grasp of the best ways to shop for coverage rates can save time, money, and frustration.
Truthfully, the best way to find discount Jeep Grand Cherokee insurance is to begin comparing prices regularly from different companies that sell auto insurance in Lubbock. Drivers can shop around by following these guidelines.
- It will benefit you to learn about how companies price auto insurance and the things you can control to keep rates in check. Many factors that cause rate increases such as at-fault accidents and an imperfect credit rating can be improved by making lifestyle changes or driving safer.
- Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive or Farmers Insurance, while independent agents can give you price quotes for a wide range of insurance providers.
- Compare the new quotes to your current policy premium to see if switching to a new carrier will save money. If you find a lower rate quote and make a switch, make sure coverage does not lapse between policies.
- Tell your current company of your intention to cancel your current auto insurance policy and submit payment along with a signed and completed policy application for your new coverage. Once the application is submitted, place your new certificate verifying coverage along with your vehicle registration.
One key aspect of rate comparisons is to make sure you’re comparing identical coverages on each price quote and and to analyze as many companies as you can. This helps ensure a fair rate comparison and a thorough price selection.
Just remember that getting more free quotes increases the chance that you will find more affordable rates.
The auto insurance companies shown below provide price quotes in Lubbock, TX. If you want cheap car insurance in Lubbock, we recommend you visit two to three different companies to get the most competitive price.
Jeep Grand Cherokee insurance rate analysis
The data table below showcases estimates of policy rates for Jeep Grand Cherokee models. Having a good understanding how premiums are formulated can assist in making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Grand Cherokee Laredo 2WD | $234 | $460 | $462 | $28 | $138 | $1,322 | $110 |
| Grand Cherokee Laredo 4WD | $234 | $460 | $462 | $28 | $138 | $1,322 | $110 |
| Grand Cherokee Limited 2WD | $264 | $542 | $462 | $28 | $138 | $1,434 | $120 |
| Grand Cherokee Limited 4WD | $264 | $542 | $462 | $28 | $138 | $1,434 | $120 |
| Grand Cherokee SRT-8 4WD | $264 | $542 | $462 | $28 | $138 | $1,434 | $120 |
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate quotes do not factor in specific garaging location which can change premiums greatly.
Local Lubbock car insurance agents and car insurance
A small number of people prefer to talk to a local agent and that is OK! One of the great benefits of comparing car insurance online is that you can find the best rates but still work with a licensed agent. Putting coverage with local agencies is important especially in Lubbock.
Upon completion of this simple form, your coverage information is emailed to local insurance agents in Lubbock who will give you bids for your insurance coverage. You won’t need to search for any insurance agencies due to the fact that quote results will go to the email address you provide. You can find lower rates without a big time investment. If you have a need to get a price quote from a specific company, don’t hesitate to find their quoting web page and complete a quote there.
If you want to use a local Lubbock insurance agency, it’s helpful to know the types of insurance agents to choose from. Car insurance agencies can be classified as either exclusive or independent.
Independent Car Insurance Agents
Independent agencies are not required to write business for one company so they can write business with any number of different companies and get you the best rates possible. To transfer your coverage to a different company, your policy is moved internally and you don’t have to do anything.
When comparing car insurance rates, it’s a good idea to include rate quotes from a few independent agents to ensure the widest selection of prices.
Below is a partial list of independent agents in Lubbock that can possibly get you free car insurance quotes.
Alliance Insurance Agency
3307 82nd St – Lubbock, TX 79423 – (806) 792-0135 – View Map
Alan Henry Insurance Agency
3405 19th St – Lubbock, TX 79410 – (806) 792-3771 – View Map
Circle Insurance
6520 University Ave – Lubbock, TX 79412 – (806) 797-4131 – View Map
Exclusive Car Insurance Agents
These type of agents generally can only insure with one company and some examples include Farmers Insurance or State Farm. These agents are unable to compare other company’s rates so always compare other rates. Exclusive agencies are well schooled in insurance sales which helps them sell insurance even at higher premiums.
Below are Lubbock exclusive insurance agents willing to provide rate quotes.
Lisa Caldwell – State Farm Insurance Agent
2418 19th St – Lubbock, TX 79401 – (806) 799-1628 – View Map
Chris Prather – State Farm Insurance Agent
4412 74th St f101 – Lubbock, TX 79424 – (806) 792-3331 – View Map
Allstate Insurance Agent: Patrick Bailey
6701 Aberdeen Ave Ste 2 – Lubbock, TX 79424 – (806) 798-1340 – View Map
Finding the right insurance agent should depend on more than just a cheap quote. The following questions are important to ask.
- If you are a high risk driver, do they have special markets for your coverage?
- Are they actively involved in the community?
- Do they review policy coverages at every renewal?
- If your car is totaled, how to they determine the replacement cost?
- How much training do they have in personal risk management?
- Can you use your own choice of collision repair facility?
- Which members of your family are coverage by the policy?
If you receive positive feedback to all your questions as well as an affordable premium quote, it’s possible that you found an insurance agent that is reputable and can properly service your car insurance policy.