Auto Insurance in Lubbock, Texas

Personal auto placed for a Lubbock driver

Aulona Insurance Group places personal auto for Lubbock drivers, clean records and records carrying a ticket, an at-fault accident, a lapse or an SR-22 filing, on a recorded call with Luka Cenaj in English or Albanian.

Texas Transportation Code §601.072 requires 30/60/25 of a Lubbock driver, the floor the statute sets statewide, and the Texas Auto Insurance page covers it along with personal injury protection (PIP) under Texas Insurance Code §1952.152 and the uninsured motorist offer under Texas Insurance Code §1952.101.

Lubbock changes the physical damage half instead, because hail and straight-line wind both land on comprehensive coverage and a liability-only policy pays for neither.

FEMA lists the City of Lubbock in the National Flood Insurance Program’s regular phase since September 2, 1982 as community 480452, with the Lubbock flood insurance rate map in force dated February 3, 2017. That program insures buildings and contents and never a vehicle.

How Lubbock County rates an auto policy

Lubbock is the county seat of Lubbock County, on the South Plains, and the city takes up most of the county’s populated ground.

Rating territory follows county lines in Texas. Texas Insurance Code §2253.001 stops an insurer that subdivides a county into rating territories from charging any subdivision more than 15 percent above another for identical coverage, and 28 TAC §5.9960 lets it exceed that only on a rate that is actuarially sound and supported by data filed with the Texas Department of Insurance.

Two Lubbock situations are worth planning for:

• A Texas Tech University student who keeps a vehicle in Lubbock is garaged in Lubbock County, even when the title and the parents sit in Houston or Dallas
• A vehicle that spends the week on a farm outside the city limits is garaged there, not at the Lubbock mailing address

Tell the agent the garaging address for each vehicle separately. One household can have two.

What hail and wind do to a Lubbock auto policy

Hail and straight-line wind are the two Lubbock weather events that wreck a parked vehicle, and liability coverage pays for neither.

The National Weather Service Lubbock forecast office issues the severe thunderstorm, hail and high wind warnings that cover Lubbock County and the rest of the South Plains, and it publishes the storm reports afterward.

Comprehensive coverage pays for all of it. Dents across the roof and hood, a windshield cracked by a stone, a carport panel blown onto the hood, and paint stripped by blowing grit are comprehensive claims.

Collision answers none of them, and liability never did.

A Lubbock driver on 30/60/25 and nothing else pays for the hail out of pocket. A financed or leased vehicle usually carries comprehensive already, because the lender requires it.

What Aulona Insurance Group places for Lubbock drivers

Aulona Insurance Group writes personal auto across Texas under Texas Agency License #3481412, standard and non-standard, with the placement list set out on the Texas Auto Insurance page.

South Plains files turn on the garaging address more than most: a Texas Tech University student’s vehicle kept in Lubbock, and a second vehicle that spends the week at a farm address outside the city limits.

Luka Cenaj, the agency’s licensed principal, confirms each garaging address on a recorded call, and a Lubbock risk reaches only insurers Aulona Insurance Group represents.

Where Aulona Insurance Group is not the right fit

Aulona Insurance Group cannot place a vehicle at $150,000 or more in manufacturer’s suggested retail price, one built before 1981, one without a seventeen-digit VIN, a recreational vehicle, all-terrain vehicle, trailer, golf cart, bus, hearse or heavy truck, a storage-only or gap-only policy, or a vehicle garaged at a post office box address.

A farm truck is the usual place a Lubbock household meets that list, and a non-owner policy is declined unless it is a non-owner SR-22 for a listed driver.

A vehicle used for business, or titled to an LLC, corporation, partnership or trust, is not written on a personal auto policy. Aulona Insurance Group places it as commercial auto instead. See Commercial Auto Insurance in Texas.

What moves the price of a Lubbock auto policy

Premium on a Lubbock auto policy is set by the insurer, never by Aulona Insurance Group, and no figure for it appears anywhere on this site.

A Lubbock rate is built from the record, the comprehensive deductible, the vehicle and the Lubbock County address it is garaged at:

• The driving record, which holds a ticket, an at-fault accident or a coverage gap for years
• The liability limits kept above the 30/60/25 floor
• The comprehensive deductible, which is the number the hail conversation turns on
• The age and value of the vehicle, and what a Lubbock body shop charges to repair it
• The Lubbock County garaging address and the miles driven from it

South Plains hail and wind reach a Lubbock rate through the territory, not through the driver.

Working with Aulona Insurance Group from Lubbock

Aulona Insurance Group works from one office, in Plano, and serves Lubbock by phone. No visit to Lubbock or to Plano is part of placing coverage.

No Lubbock driver drives to the office, and the agency does not ask for it, because eight questions here take about two minutes and finish with a one-time code texted to your mobile number.

Luka Cenaj calls after that, goes through the vehicles and the drivers in the household, and carries the risk to the appointed markets. A Lubbock driver who would rather skip the form can use the callback option on any screen, in English or in Albanian.