Lubbock, Texas is also known as "Hub City," for being a center of culture and learning. Lubbock was founded in 1876 and prospered as a cotton-growing region. Lubbock is always seeking to invite new businesses into town and that means more drivers on the road. By Texas law, you're required to take out liability coverage per vehicle of 20/40/15. What this means is that you must purchase bodily injury liability (BIL) insurance for at least $20,000 per person or $40,000 per accident if you're involved in a collision that is deemed to be your fault. In addition, you must also purchase property damage liability (PDL) insurance in the amount of $15,000 to cover damages sustained by the other vehicle as well as any surrounding property, such as telephone poles, guardrails or mail boxes. The laws may sound complicated but to get Lubbock auto insurance quotes, you'll need nothing more than your zip code, which is good news for Lubbock's over 254,860 residents.
If you possess a newer model vehicle, you may want to extend your insurance coverage by obtaining collision and comprehensive insurance. Choosing to add these coverages as well will ensure that you're fully covered to pay for any repair or medical costs incurred to you and all parties concerned in an accident. Most lenders or leasing companies will mandate that you have full coverage although comprehensive nor collision insurance is required by law. While comprehensive insurance protects you by paying the amount of damages sustained to your car less any deductible amount, comprehensive insurance covers you in case of fire, theft, vandalism or damage resulting from natural causes, such as hail or wind storms.
Depending on your budget, you may also want to add uninsured motorist or underinsured motorist insurance to your portfolio. Uninsured motorist insurance provides protection for you in case you're hit by a driver who is driving without insurance. Underinsured motorist insurance provides protection in the same way and safeguards you if you're involved in an accident with a driver who doesn't have adequate coverage. Both types of insurance can be obtained from any Lubbock car insurance company to cover both bodily injury as well as property damage claims. As insurance companies are required to carry these kinds of insurance, it's a good idea to take advantage of the opportunity to cover yourself accordingly if you can afford it.
Therefore, when obtaining any Lubbock car insurance quotes for your car, make sure you have the right amount of coverage at a price you can afford. Simply enter your zip code now and we will help you to find a plan specifically tailored for you and any drivers in your family.