Fortunately for local residents, Lubbock does not stand out at as one of those Texas cities with particularly heavy traffic. Still, there is considerable traffic generated by the active petroleum, agriculture, and cattle ranching industries, and plenty of people driving to schools, commuting to work, or heading out for weekend getaways. Do you have the right Lubbock, TX car insurance to protect your finances from damage to your car or liability claims after an accident you cause?
Trusted Choice® member agents can help you find the Lubbock auto insurance you need. An independent agent can provide personal service, multiple Lubbock auto insurance quotes, and professional advice. Find a local Trusted Choice member agent today.
Car insurance in Texas is somewhat more expensive than nationwide, but you may pay more or less. No two Lubbock auto owners should expect to receive exactly the same quotes for car insurance coverage. The way you use your car, your driving history, and many other factors will affect the price you pay for coverage.
If you use your vehicle to commute on I-27 every day, you may pay more than another resident driver who only uses their car for infrequent trips to a Lubbock Western Little League game once a week. A local Trusted Choice member agent can help you find the best policy and price for your specific needs.
The state requires minimum liability insurance in order to operate a car legally. There are stiff penalties for failure to carry the required insurance coverage. First offenders face fines of $175 to $350; subsequent offenders are subject to fines of $350 to $1,000, impoundment of their vehicle, and license suspension.
The state uses a number of measures to actively pursue those without liability insurance. If you have a registered vehicle without required liability insurance, expect a warning letter or a fine if the state determines that you do not have proper coverage. Law enforcement and government officials can access a computerized database of registered vehicles and insurance policies. Keep in mind that renewing registrations and updating safety inspection stickers requires current proof of insurance.
In addition, you may want to consider purchasing uninsured/underinsured motorist coverage in addition to the state-required liability insurance. Uninsured/underinsured motorist insurance can compensate you if you're in an accident caused by someone who doesn't have enough coverage to pay for your losses. An independent agent can help you learn more.
The National Insurance Crime Bureau reported that Lubbock was the 47th worst city in the nation for auto thefts. This means local vehicle owners run higher than average risks of losing a car to auto thieves. Comprehensive insurance can protect you from loss due to theft, so it would be a good idea to research this coverage with an independent agent in the Trusted Choice network.
A solid and well-planned auto policy can protect your vehicle, passengers, and property from common hazards. The right policy can minimize your chance of loss after an accident, theft, or other loss.
You can easily find an independent agent in the Trusted Choice network to help you compare Lubbock car insurance companies and recommend policy options. If you contact a local agent today, you have an opportunity to begin saving money with improved coverage immediately.