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Mike Fox - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Nichole Forman - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Ken Marshall - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Ana Borrego - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Nelda Jett - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Peter Griffith - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Christie Brown-Hernandez - State Farm Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Jane Phillips - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Jason Grisham - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Chris Prather - State Farm Insurance Agent
No One Takes Care of You Like A State Farm Agent. Get A Quote Today!
Important Terms Insurance Agents and Agencies Use
The following are some important – but lesser known – insurance terms that may be used by your insurance agent or agency.

Binder: A binder is an initial or limited agreement between an insurance agent or agency and a client. Binders are a way of offering temporary coverage to an individual before a permanent policy is drafted or signed.

Comprehensive Coverage: Comprehensive coverage reimburses a policyholder for uncontrollable occurrences. Comprehensive coverage can be included in auto and homeowners insurance policies and includes events like vandalism, theft, fire, and damages caused by natural disasters like storms and floods.

Endorsement: An endorsement, or rider, is a change made to an insurance agreement that adds or eliminates certain coverage.

Incontestable Clause: An incontestable clause is a part of certain kinds of insurance policies that removes an insurance company’s ability to argue a claim. For example, if someone with life insurance commits suicide, the insurance company cannot deny coverage if the policy has been in effect for a certain amount of time. Incontestable clauses usually take effect after about two years.

Lapse: A lapse is an end to insurance coverage due to nonpayment. Most policies offer a grace period before a lapse occurs.

Mandated Benefits: These are policy benefits that must be offered to health insurance subscribers. Mandated benefits are determined by state and federal laws.

Surcharge: A surcharge is a monthly fee in addition to the usual monthly premium. Surcharges are often added to car insurance policies if a moving violation or accident has been reported.

Underwriting: Underwriting is the process of charging particular rates based on a potential or current client’s general information. This generalization is the degree of insurability of a particular group. For example, a teenage female and an elderly male are classified differently and will pay different premium rates.

Connecture
Our local Lubbock area insurance agents specialize in family and individual coverage to suit your budget and needs. Let us make sure you have the coverage you need from our insurance agents.
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National Association of Professional Insurance Age
The members of our prestigious association are the most professional insurance agents available in the nation. Find the right type of provider and coverage you need with our association.
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American Association of Health Plans
If you're looking for a dependable and affordable health insurance agent or agency near you, check our association's directory. Listing only the best insurance agents and agencies in the country.
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National Center for Assisted Living
Businesses specializing in health care coverage should be a part of our nationwide association for health care. Whether you're an insurance agent or agency, you should be a part of our association.
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STANDARD LISTINGS:   INSURANCE-AGENTS-AND-AGENCIES IN/NEAR LUBBOCK
Garcia C G Insurance Services Write review for this local business
812 Texas Ave, Lubbock, TX 79401
(806) 744-7507  
Grimes Insurance Write review for this local business
1651 Broadway, Lubbock, TX 79401
(806) 762-0544  
A and D Insurance Agency Write review for this local business
2138 19th St, Lubbock, TX 79401
(806) 763-3300  
Caprock Court Reporting Write review for this local business
1112 Texas Ave Ste B, Lubbock, TX 79401
(806) 795-4202  
J. E. Murfee and Son Write review for this local business
1310 Texas Ave, Lubbock, TX 79401
(806) 763-5311  
State Farm Write review for this local business
1803 7th St Ste 301, Lubbock, TX 79401
(806) 776-3276  
ING Financial Advisers LLC Write review for this local business
611 University Ave Ste 240, Lubbock, TX 79401
(806) 796-3473  
Gibraltar Agency Group LP Write review for this local business
1001 Texas Ave Ste 200, Lubbock, TX 79401
(806) 687-3329  
Flatland Risk Management Inc Dan Write review for this local business
601 Main St, Lubbock, TX 79401
(806) 319-9160  
Moore Sara F Write review for this local business
1001 Main St Ste 707, Lubbock, TX 79401
(806) 762-8554  
Nationsplan Insurance Agency Write review for this local business
1726 19th St, Lubbock, TX 79401
(806) 741-0441  
Knights of Columbus Write review for this local business
2305 Broadway, Lubbock, TX 79401
(806) 797-7146  
Blue Monkey Write review for this local business
2407 9th St, Lubbock, TX 79401
(806) 747-6444  
All Risk Insurance Write review for this local business
1403 19th St, Lubbock, TX 79401
(806) 744-0586  
Spade Farms Inc Write review for this local business
1107 Avenue K, Lubbock, TX 79401
(806) 765-8536  
Rix Funeral Directors Write review for this local business
1901 Broadway, Lubbock, TX 79401
(806) 763-4333  
Texas State Low Cost Insurance Write review for this local business
2406 34th St, Lubbock, TX 79411
(806) 792-5555  
Autopartners Insurance Write review for this local business
1711 34th St, Lubbock, TX 79411
(806) 749-7200  
All Write Insurance Write review for this local business
2413 20th St, Lubbock, TX 79411
(806) 763-2886  
Simmons Roddy Insurance Write review for this local business
2124 34th St, Lubbock, TX 79411
(806) 747-5759  
Charles Short Insurance Agency, Inc. Write review for this local business
2415 20th St, Lubbock, TX 79411
(806) 763-4409  

Insurance agencies and the agents themselves may consider very different coverage plans for homeowners or commercial property brokers. Whether farmers need coverage or you need a plan for your auto, as well as medical or traveling insurance, much can be considered a liability so it’s important to hire a licensed agent who can provide general services. Whether you have specialties, such as traveler insurance or have specific health issues, finding the right group that covers federal needs as well as workers compensation and everything between can make the difference between surviving and losing everything.

  • What rate will my premiums run?
    A quote will be established and then, after everything is set into place, an insurance agency will send you rates with different coverage options. Rates vary depending state to state and whether these are high risk or require long term coverage for a business, network of offices, even national needs can be covered.

  • What property is covered?
    Be clear about the property that is being covered and what it entails. Different elements, such as water or fire, produce a higher risk for certain properties. Liabilities may spike your ratings, so any specialty needs to be addressed.

  • Do you have certification?
    Asking if all the titles are in place for homeowners, as well as automobile owners can affect both liability and management of the insurance plan.

  • Can I get a cheaper premium?
    Most of the time cheaper insurance is available, but this effects how much the insurance company will make available incase your health declines and your medical bills sore, or you have an auto accident. This effects any kind of insurance for travelers, and commercial properties as well as unemployment.


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