Auto Insurance
From daily commutes across Lubbock to long stretches of West Texas highway, your vehicle takes you everywhere — and the right auto insurance keeps you protected the whole way. The Jonathan Shaw Agency helps local drivers find strong coverage at a competitive rate. Because we're an independent agency, we shop multiple top-rated carriers on your behalf instead of locking you into one company's pricing, and we make the whole thing simple to understand.
Types of Auto Insurance Coverage
A car insurance policy is really several coverages bundled together. The main ones:
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Bodily injury liability — covers injuries you cause to others in an at-fault accident. Required in Texas.
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Property damage liability — covers damage you cause to someone else's vehicle or property. Also required in Texas.
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Collision — pays to repair or replace your car after a crash, whether with another vehicle or an object. Often required if you have a loan or lease.
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Comprehensive — covers non-crash events like hail, theft, fire, and hitting an animal — all common on West Texas roads.
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Uninsured/underinsured motorist — protects you when an at-fault driver has little or no insurance.
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Medical payments / PIP — helps cover medical costs after an accident, regardless of fault.
You can adjust each coverage and its deductible to balance protection and price — and we'll walk you through exactly what you need, and what you don't, so you're never paying for coverage that doesn't fit your life.
What's the minimum car insurance required in Texas?
Texas requires drivers to carry at least 30/60/25 in liability coverage — $30,000 for bodily injury per person, $60,000 per accident, and $25,000 for property damage. That's the legal minimum; many drivers choose higher limits to better protect their savings and assets if they're ever at fault. We'll help you decide what's right for you.
Do I need full coverage?
"Full coverage" usually means liability plus collision and comprehensive. If you have a car loan or lease, your lender will almost always require it. Even if you own your car outright, full coverage can be worth it to protect a newer or higher-value vehicle. We'll compare the options so the choice is clear.
Does comprehensive cover hail and hitting a deer?
Yes — comprehensive covers non-collision events like hail, theft, fire, and animal strikes, which matters a lot out here given our hailstorms and the wildlife along West Texas roads. Collision, by contrast, covers hitting another vehicle or an object. Many drivers carry both.
How can I lower my auto insurance premium?
Bundling your auto with home is one of the most effective ways to save, along with choosing the right deductible and qualifying for discounts. Because we shop multiple carriers, we can compare your options and find the best combination of price and protection.
Get an Auto Insurance Quote
Ready to see what you'd pay? Request a free quote and our Lubbock team will compare your options across multiple carriers, or call us at 806.705.7141. And if you own a home, ask about bundling to save even more.