Auto insurance

Auto Insurance

Driving in Lubbock means dealing with everything from sudden hailstorms to high winds that can blow debris across Loop 289. Your auto insurance needs to cover more than just fender benders at the Walmart parking lot. Comprehensive coverage protects your vehicle from weather damage, theft, and vandalism, while collision coverage handles accidents whether you're on University Avenue or driving out to Shallowater.

Lubbock County ranks in the top 10 for commercial auto comprehensive claims due to weather, and personal vehicles face the same risks. Hailstorms can total a car in minutes, leaving you with a damaged vehicle and no way to get to work. Your policy should include comprehensive coverage with a deductible you can actually afford when a storm hits, because it's not a question of if, but when.

Liability coverage is required by Texas law, but the state minimums often aren't enough if you cause a serious accident. Medical bills add up fast, and if you're found at fault, you could be personally liable for damages beyond your policy limits. We help you find the right balance of coverage that protects your assets without overpaying for protection you don't need.

Bundling your auto insurance with your homeowners policy often saves money and simplifies your coverage. We work with dozens of carriers to compare rates and find discounts you qualify for, whether that's for good driving history, multiple vehicles, or safety features in your car. Your goal is simple: get back on the road fast after an accident or weather event, and the right policy makes that happen without financial stress.