The best way we recommend to get the cheapest car insurance rates is to do a yearly price comparison from different companies who provide car insurance in Lubbock.
- Get a basic knowledge of how insurance companies determine prices and the modifications you can make to keep rates in check. Many things that are responsible for high rates like careless driving and an unacceptable credit history can be controlled by making small lifestyle or driving habit changes. Keep reading for instructions to help find cheaper rates and get additional discounts.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like Progressive or Farmers Insurance, while independent agents can quote rates from many different companies.
- Compare the quotes to your existing policy and determine if there is any savings. If you can save money, make sure coverage is continuous and does not lapse.
One thing to point out is to make sure you enter identical limits and deductibles on every quote and to quote with as many companies as you can. Doing this provides an accurate price comparison and a better comparison of the market.
Regrettably, almost 70% of insureds in Texas renewed their policy with the same company for at least four years, and nearly 40% of drivers have never compared rates to find cheap insurance. The average driver in America could save an average of almost $859 each year just by comparing rates, but they don’t want to spend time to compare rates online.
The best way to compare rate quotes for Jeep Commander insurance in Lubbock is to know most insurance companies will pay a fee to quote your coverage. To begin a comparison, all you need to do is provide details including any included safety features, if your license is active, whether the vehicles are used for commuting, and the ages of drivers. The data is instantly sent to all major companies and you will receive price estimates within a short period of time.
To compare cheap Jeep Commander insurance rates now, click here and find out if you can get cheaper insurance in Lubbock.
The car insurance companies shown below offer free quotes in Texas. In order to find the cheapest auto insurance in Lubbock, it’s highly recommended you compare several of them to get the best price comparison.
Data for Jeep Commander insurance
The coverage table displayed below showcases a range of insurance rates for Jeep Commander models. Learning how insurance rates are established is important for making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $246 | $368 | $392 | $24 | $118 | $1,148 | $96 |
| Commander Sport 4WD | $246 | $434 | $392 | $24 | $118 | $1,214 | $101 |
| Commander Limited 2WD | $274 | $434 | $392 | $24 | $118 | $1,242 | $104 |
| Commander Limited 4WD | $274 | $434 | $392 | $24 | $118 | $1,242 | $104 |
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Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Prices do not factor in Lubbock location which can raise or lower insurance rates considerably.
Should you raise deductibles?
The hardest decision when buying coverage is what deductibles to buy. The following insurance rates may help to conceptualize the rate difference between high and low insurance deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $332 | $496 | $382 | $22 | $114 | $1,371 | $114 |
| Commander Sport 4WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Commander Limited 2WD | $370 | $584 | $382 | $22 | $114 | $1,497 | $125 |
| Commander Limited 4WD | $370 | $584 | $382 | $22 | $114 | $1,497 | $125 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Commander Sport 2WD | $206 | $312 | $382 | $22 | $114 | $1,036 | $86 |
| Commander Sport 4WD | $206 | $368 | $382 | $22 | $114 | $1,092 | $91 |
| Commander Limited 2WD | $228 | $368 | $382 | $22 | $114 | $1,114 | $93 |
| Commander Limited 4WD | $228 | $368 | $382 | $22 | $114 | $1,114 | $93 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Estimates do not factor in zip code location which can decrease or increase insurance rates greatly.
Based on this data, using a $250 deductible will cost you approximately $31 more each month or $372 each year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 24 months between claims, you would probably come out ahead if you choose a higher deductible.
Violations and accidents raise rates
The diagram below highlights how traffic violations and accidents can increase Jeep Commander premium costs for each age group. The premium estimates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
Rate difference between full and liability-only coverage
The example below compares Jeep Commander insurance prices with and without physical damage coverage. The rate quotes are based on no claims or driving citations, $500 deductibles, drivers are single, and no additional discounts are factored in.
When to drop comprehensive and collision
There is no clear-cut formula that is best for determining when to drop full coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let’s say your Jeep Commander replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after you pay the deductible. If you are currently paying more than $500 annually to have full coverage, then you might want to consider buying only liability coverage.
There are some scenarios where only buying liability is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should keep full coverage on your policy.
It’s not one size fits all
Always keep in mind that when comparing the right insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that.
For instance, these questions can help discover whether or not you might need professional guidance.
- How can I find cheaper teen driver insurance?
- Who does medical payments coverage extend to?
- What is glass protection for?
- Am I better off with higher deductibles on my Jeep Commander?
- Are split liability limits better than a combined single limit?
- How much coverage applies to personal belongings?
- Is my business laptop covered if it gets stolen from my vehicle?
- Do I need motorclub coverage?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Comparing quotes from local Lubbock auto insurance agents
A small number of people would rather get professional advice from a licensed agent and that is not a bad decision The biggest benefit of comparing insurance prices online is that drivers can save money and get cheap car insurance quotes and still have an agent to talk to.
After filling out this short form, your insurance data is sent to agents in your area who will return price quotes for your insurance coverage. You don’t have to contact any agents because quoted prices will be sent to you instantly. You can most likely find cheaper rates AND a local agent. If you need to compare rates from a specific company, you can always go to their quote page to submit a rate quote request.
Finding a good provider requires more thought than just the price. Here are some questions you might want to ask.
- Does the agency support the community they serve?
- Are they able to provide referrals?
- When do they do a full risk review?
- Do you need full coverage on every vehicle?
- Which insurance company do they prefer to write with?
- Are they giving you every discount you deserve?
When looking for a local Lubbock insurance agent, you should know the types of insurance agents and how they are slightly different. Car insurance agents are either exclusive agents or independent agents.
Exclusive Car Insurance Agents
Agents that elect to be exclusive can only place business with one company and some examples include American Family, State Farm, and Allstate. Exclusive agents cannot give you multiple price quotes so they have to upsell other benefits. Exclusive agencies are usually well trained on their company’s products which helps them sell insurance even at higher premiums. Some consumers prefer to buy insurance from these agents mostly because of the prominence of the brand rather than having low rates.
The following are exclusive agents in Lubbock who can help you get price quote information.
- Lisa Caldwell – State Farm Insurance Agent
2418 19th St – Lubbock, TX 79401 – (806) 799-1628 – View Map - Mark Jennings – State Farm Insurance Agent
6301 19th St #4 – Lubbock, TX 79407 – (806) 792-4432 – View Map - Farmers Insurance – Rhett Richardson
13413 County Rd 1800 Unit D – Lubbock, TX 79424 – (806) 783-9998 – View Map
Independent Agents
Independent agencies often have many company appointments and that allows them to write policies with an assortment of companies and find the cheapest rate. If they quote lower rates, an independent agent can move your coverage and you stay with the same agent.
When shopping rates, it’s recommended you compare prices from independent agents to ensure the widest selection of prices. Most can insure with less well-known companies that many times have cheaper rates.
The following is a list of independent agents in Lubbock that can give you comparison quotes.
- Sanford and Tatum Insurance Agency
5241 98th St – Lubbock, TX 79424 – (806) 792-5564 – View Map - Alan Henry Insurance Agency
3405 19th St – Lubbock, TX 79410 – (806) 792-3771 – View Map - Cam Fannin Insurance
1810 50th St – Lubbock, TX 79412 – (806) 747-4422 – View Map
After you get positive responses for all questions you ask and a good coverage price, you’ve probably found a car insurance agent that is reputable and can insure your vehicles. Just understand that policyholders can cancel your coverage when you choose so never feel that you are permanently stuck with a policy for the full policy term.