Lubbock is the 11th most populous city in the state of Texas and the economic center of the Lubbock metropolitan area, which had an estimated 2015 population of 311,154. The area is the largest contiguous cotton-growing region in the world is heavily dependent on irrigation water drawn from the Ogallala Aquifer. There aren’t too many downsides to living in Lubbock, and it is considered to be one of the best cities in the nation to start a business. It still has the same issues as other popular cities, however, including traffic. Lubbock is circled by Loop 289, which suffers from traffic congestion despite being a potential bypass around the city. Residents should take the time to explore all the options for cheap car insurance Lubbock has available.

The Giant Side Of Texas

Lubbock, Texas is a wonderful town and home to rock legend Buddy Holly.

Hosting the Rock and Roll Museum, this town has a heritage of music and industry.

With a population of around 250 thousand people, this northern Texas town is self-sustaining.

This high-plain area sits a beautiful city at around 3,000 feet high.

Now most of Texas is flat and at seas level, so Lubbock stands alone.

This great town is projected to grow almost 70 thousand people by the year 220.

That is extreme growth for this area.

Lubbock is nicknamed “hub city” because it is the center hub of the region where strong economic growth happens.

This area of Texas is the worlds largest cotton-growing region.

People love it here because it makes living easy.

There is an affordability to the town which is very appealing.

It is home to Texas Tech University and makes for a diverse atmosphere to the area.

When people live here they bring their families because there is just so much to do.

Come by and visit the many museums here including the Buddy Holiday Rock and Roll Hall of Fame.

Kids and adults alike love the planetarium here, which gives education to the citizens of Lubbock.

If you commute into work here or drive you kids around, you will need cheap car insurance.

Maybe you are looking to settle down and purchase a home.

You will need to get the cheap homeowners insurance that will keep your house safe.

How Can I Get Quality Insurance In Lubbock?

When you are looking for great insurance in Lubbock, the best place to start is by talking with a broker.

A broker is a trained professional that knows the laws about insurance in your town.

They are there to represent you, the consumer and do not work for the insurance company itself.

Talking to them could help lower your already existing bill or get you set up with a great policy.

You will also want to understand the minimum requirements in your state.

Look into how you can create discounts in your policy.

Your policy depends on many factors.

An insurance company will look at how large of a risk you are as a driver and homeowner before they decide your policy amount.

The best way to start looking for insurance is to get as much information as you can.

Get the cheap insurance Lubbock residents need to feel secure.

Let’s see what insurance policies you might be looking for.

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Insurance Requirements Lubbock

Car Insurance

Car insurance is mandatory in Texas.

To drive or own a car you need to have insurance.

You also need to have a valid drivers license and current registration.

When you commute or drive in Lubbock you will wan to feel secure to not only cover your own car but others in an accident.

Get the cheap car insurance Lubbock drivers want and deserve.

Lubbock Car Insurance Requirements

It’s important to have the right car insurance in Lubbock to protect not only yourself, but your vehicle too. Remember that carrying the minimum coverage required by law may not be enough to cover you personally. Make sure your policy will cover all of your assets, even if you are in an accident with an uninsured driver.
  • Bodily Injury coverage requirements are a minimum of $30,000 per person and $60,000 per accident.
  • Property damage liability minimum requirements are $25,000.
  • Uninsured Motorist coverage is not required, but insurance company’s are required to offer it, and explain the coverage to consumers. According to Texas’ DMV, an estimated 20% of drivers in the state are uninsured, resulting in costs of up to $900 million for consumers.
  • The law in Texas requires drivers to pay for accidents that they cause. Fault is ultimately determined by the state, using evidence and testimony gathered at the scene of the accident. The at-fault party is then required to pay all damages resulting from the accident.
You may want full coverage.

This is what you will need:

  • Collision coverage which covers you and your own vehicle if damaged in an accident
  • Comprehensive coverage which will cover theft and small damages not incurred from an accident
  • Towing and Roadside Assistance will be greatly welcomed if you get stranded on the side of the road.

When you want to save even more money, you need to ask your broker about discounts.

There are so many you can choose from depending on your lifestyle.

Here are some discounts you may qualify for:

  • Discounts for safety courses taken- taking a safety course can help your premiums go down because it proves that you are a safe driver.
  • Marital discounts
  • Good driver discounts- having a driving record which shows safe driving and responsible skills will only help you when shopping for insurance.
  • Multi-car discounts- Not only having multiple cars can help, but the types of cars your family drives could save you.

Public Transportation In Lubbock

Public transportation is provided by Citibus, a bus transit system running Monday through Saturday every week with a transit center hub in downtown.

Citibus’ six diesel-electric hybrid buses have begun service on city routes. Managers hope the buses will use 60% of the fuel that their older, larger versions consume in moving customers across the city. Here’s a high-five to Lubbock for incorporating green technology in their transportation!