Car Insurance In Lubbock, TX
When You Drive You Need Automobile Insurance
Finding cheap auto insurance in Lubbock can be the first step to making sure you and your family are protected. Safe driving can go a long way toward preventing accidents. But, in the event that the unthinkable happens, having the confidence that you are covered and can quickly recover can go a long way. That is why you want the experts at Grimes Insurance Agency to walk you through the process of getting the coverages that you need.
The State of Texas requires that all drivers be able to show sufficient resources to take care of any accident they cause. For most people, this means purchasing liability insurance.
Lubbock, Texas is a city for drivers. Over, 300,000 people make up the greater metropolitan area with the average household owning 2 or more vehicles.
University students, working professionals, agricultural workers, and everyone in-between hit the roads daily, mostly by car due to the limited options for public transportation. Owning a vehicle is a reality of living in the Hub City and finding cheap insurance in Lubbock is on the minds of many of the drivers who call the city home.
Let’s take a look at some of the factors that go into auto insurance rates in Lubbock and how you can stay safe on the road.
Types of Auto Insurance Coverage Available from Grimes
Liability Coverage: This type of coverage is normally expressed in a series of three numbers like 100/300/50. These three numbers represent your liability coverages if you are at-fault in an accident. The first number is the amount of coverage the insurance company would pay for medical related expenses for any one person you are responsible for injuring. The second is the total amount the insurance company would pay in medical bills for everyone you are responsible for injuring (if multiple people are in the other vehicle). The third number is how much in property damage the insurance company would pay for any property you are responsible for damaging which could be another vehicle or other property.
It is important that you carry high enough liability limits to cover the amount of assets you have. For example, if you have $300,000 worth of assets then you need at least $300,000 in liability coverage. If you are involved in an at-fault accident and your limits are low enough where they don’t cover the damages you caused, you could be sued for the remaining damage. For example, if you only carry $50,000 in property damage and the damage you caused to the other vehicle is $70,000 you could be sued for the remaining $20,000. Be sure to carry enough coverage to protect your assets.
Uninsured Motorist (UM): This is likely the most important coverage on your auto insurance. Where the liability coverage pays the medical expenses of the other party, the uninsured motorist coverages pays the medical expenses for you and your family should you be involved in an accident where the at-fault part has no coverage or too little coverage. While this is not a necessary or mandated coverage it ensures you and your family receive proper medical care and repairs and or replaces your vehicle.
Comprehensive (Comp): This coverage pays to have your vehicle fixed should you have a claim that is your fault. It pays for claims arising out of something other than a collision with another car. For example, backing into a light pole, hail damage, hitting a deer, etc. This is the coverage that comes into play should you be the victim of a hit and run.
Comprehensive deductibles: Here you have an option to select your deductible amount when you need to utilize your comprehensive coverage. Standard deductibles are $250.00, $500.00, or $1,000. Here is a free piece of advice, The higher your deductible, the cheaper your insurance. If you are looking to maximize your insurance dollar try bumping your liability coverage and increasing your deductibles and enjoy higher liability limits for the same price.
Collision Coverage: This coverage is fairly self-explanatory. IT pays for a claim where there is a collision with another vehicle. If you get into an at-fault accident your insurance company would pay to have your car repaired or replaced with this type of coverage.
Personal Injury Protection (PIP): This coverage pays for any lost wages you may experience as a result of an auto accident that prevents you from going to work.
Towing: Towing coverage pays the towing bill when your vehicle is involved in an accident. Some towing coverages also pay should you have to have your car towed not resulting from a claim or accident.
Roadside Assistance: This coverage pays to have a flat tire changed, your car jumpstarted or perhaps you are stranded in the middle of nowhere and need someone to bring you a can of gas. Roadside assistance will pay that bill up to the limit of coverage listed in your policy.
Click on the pulsing buttons below to learn about different types of automobile coverage!
Driving Laws and Safety Requirements In Lubbock
Cities and states around the country all have different traffic laws. Lubbock is no different and it is important to understand the rules of the road. Not only will this help you stay safe, but it can also help you keep the cost of car insurance down. The fewer tickets and negative remarks on your driving record the more favorably insurers will look upon you.
The State of Texas passed House Bill 62 in 2017, also known as the Texting and Driving Law. This law replaced any local laws that cities in the state had previously enacted, including Lubbock.
The law makes it a class C misdemeanor for drivers to use their cell phones while driving. For drivers in Lubbock caught using their cell phone, a fine of up to $99 can be issued for the first offense and up to $200 for repeat offenses.
Laws are also in place prohibiting drivers from using mobile phones in school zones. Violating these laws can adversely affect your car insurance rates if you are ticketed so make sure to go hands-free if you are using your phone while driving.
Driving Conditions In Lubbock
A large part of keeping auto insurance affordable for yourself and your family is minimizing accidents and avoiding unnecessary insurance claims. To do that, it helps to understand the different conditions you could face when driving on Lubbock roads.
Lubbock averages 264 sunny days each year which is 59 more days than the national average. This makes it one of the best places in Texas for driving in regards to weather. That being said, there are still some adverse weather conditions that can make driving on Lubbock roads dangerous.
While the majority of the year is sunny, rain, snow, and other severe weather can still pose a problem for Lubbock drivers. On average, there are 66 days of rain each year and 6 days of snow.
It is important to note that driving in severe weather greatly increases the chance of auto accidents. In fact, one study found that even just a little precipitation increased the chance of fatal car accidents by 34%.
Driving cautiously during bad weather is a great way to stay safe and keep your car insurance rates low.
One factor that makes Lubbock stand out when compared to other major cities in Texas is the traffic, or lack thereof. The average commute time in the Hub City is just 17.2 minutes, according to the U.S. Census Bureau.
The less time you spend on the road and the less traffic you have to contend with, the lower your chances of an accident.
Alcohol Laws and Driving
You should avoid driving under the influence of alcohol in Lubbock. The State of Texas defines the maximum legal limit for driving as a blood-alcohol level of 0.08. Anything over this and you are considered to be driving under the influence which is illegal. This is not a hard rule and you can still be arrested with a blood-alcohol level of less than 0.08 if your driving is unsafe.
The penalties for driving under the influence are severe in the state of Texas. For first time offenders, you can receive a jail sentence of up to 180 days and a fine not to exceed $2,000. For repeat offenses, the penalties become more severe.
If you are charged with driving under the influence your insurance rates will also become more expensive. It is still possible to find cheap insurance with a strike on your record. But, you can expect your rates to be more expensive than someone with a clean record. In addition to the increased policy prices, you may also be required to carry an SR-22 certificate denoting that you are a high-risk policyholder.
Seatbelt and Car Seat Laws
The state of Texas as a whole strictly enforces seatbelt laws. These laws cover all passengers age 8 years and older or passengers under the age of 8 who are at least 57 inches tall.
Seatbelts are estimated to improve survival rates by up to 50% for passengers in the front seat. But, wearing them can also help keep your auto insurance rates low by helping you avoid a ticket.
In the state of Texas, all children under 8 years old are required to be securely seated in a child safety seat. Children up to 2 years old must be in a rear-facing safety seat. For children, over 2 years old a forward-facing seat can be used as long as it follows manufacturers’ safety guidelines. Children between 4 and 8 years old should be seated in a booster seat appropriate for their height and weight.
All motorcycle riders under the age of 21 are required to wear a helmet in Lubbock and throughout the state of Texas. Riders over the age of 21 can choose whether or not they wear a motorcycle helmet. It is highly recommended you wear a helmet when riding a motorcycle regardless of your age.
While wearing a helmet won’t directly impact your insurance rates, it can help to reduce them indirectly. Riders who wear helmets may have less severe injuries in an accident which can help to reduce future insurance premiums.
Vehicle Crime Statistics In Lubbock
Traffic accidents are a major concern. They aren’t the only reason you should be thinking about car insurance though. Auto theft and vandalism are also a significant reason for car insurance claims.
Living in Lubbock brings an increased risk of car theft, with an average of 100 thefts each month. This number puts the city in the number one spot for car thefts in the state of Texas.
One thing that can be done to help prevent thefts is having your VIN number etched into the glass. Many insurance companies even offer discounts for this so it is worth talking with a provider about the process.
Nobody wants to be the victim of a crime. If you do happen to become one, it can be comforting knowing you have a good car insurance plan to help you recover.
Driving Statistics In Lubbock
To give you a better idea of how safe it is to drive in Lubbock, let’s look at a few key stats in relation to the rest of the state of Texas.
Lubbock averages between 20 and 30 fatal car crashes each year. This represents slightly less than 1% of the total number of fatal crashes across the entire state of Texas.
The primary cause of most accidents was drunk driving or speeding. In accidents where a pedestrian was involved most incidents occurred at night and in poorly lit areas away from crosswalks.
The economic loss from fatal traffic accidents across the state of Texas was estimated to be over $4 billion. This takes into account medical costs as well as the loss of income.
Traffic accidents are costly both financially and in terms of the toll they can take on individuals and families. It’s not always possible to prevent traffic accidents. But, it is entirely possible to help mitigate the costs by having auto insurance.
AUTO INSURANCE FAQ’s
How does where I live affect my premium?
Where you keep your car directly affects your chances of having an accident or becoming a victim of theft or vandalism. The likelihood of encountering these problems increases in larger, more densely populated cities, while such incidents remain relatively low in rural areas.
Additionally, the time and efficiency of police response and law enforcement, local road and traffic conditions, and the quality of local medical services can affect regional insurance rates. Some insurers even factor in the litigation rates in a given area (how many lawsuits are filed, go to trial, out of court settlements, and their amounts).
Do all states require some kind of Liability insurance?
No. Although not every state requires Auto insurance, some have “financial responsibility” laws mandating all drivers to be able to pay for any damage or injury they might cause. However, Liability insurance is still the best way for you to meet your state’s financial responsibility requirements.
By law, all states offer UM and UIM policies, including no-fault states. In fact, some states require all motorists to carry this coverage in order to gain protection from inadequate insurance coverage of other drivers.
What happens when I loan my car to someone? Is that person covered by my policy? Am I still covered?
Yes. Liability and coverage for Physical Damage (i.e. Comprehensive and Collision) always follow your car. Plus, if the driver of your car is insured, his/her policy will also be available to cover the cost of damages and injuries. Unless you have signed an Exclusion for theat driver.
The same rules apply when you borrow someone else’s vehicle; your own insurance follows you no matter whose car you’re driving. But the vehicle owner’s policy is the primary coverage in the event of an accident.
Am I covered for natural disasters or “Acts of God”?
Comprehensive insurance, which covers you for fire and theft, generally covers you against damage by flood, earthquake, hail, and other natural perils, except when your car is overturned (which is technically considered a collision).
How can I challenge my insurers if they refuse to cover a claim?
Usually, insurers that refuse to cover a claim have a strong legal reason for doing so — even if you disagree. First, contact us if you feel you’re being treated unfairly. Your agent is your strongest advocate in insurance matters.