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NEWS:
We Moved: New Address at 4720 S Loop 289, Lubbock, Texas
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Why Texas Home Insurance Rises Every Year? – Video KCBD TV News Lubbock
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Danger: FPE Panel Stab-Lok Circuit Breakers
4720 S Loop 289, Lubbock, TX 79414
Mon – Fri: 8:30am to 5pm
Auto, Home, Biz, Life, Health
Insurance in Lubbock, Texas | Car, Auto, Home, Business, Life, Health | 30 Years Experience | Hettler Insurance Agency
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  • Texas vintage car collector in navy shirt reviewing classic car insurance paperwork in a leather chair beside a blue vintage sports car model.
    What Is Classic Car Insurance? Your 2026 Guide
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    What Is Classic Car Insurance? Your 2026 Guide
    Tags: agreed value, classic car insurance, Endorsements, Lubbock Texas, Texas independent insurance agent|

    Discover what classic car insurance is and how it protects your vintage vehicle. Learn about its benefits and save on premiums today! Classic car insurance 2026 — agreed value vs actual cash value, mileage caps, qualification rules, Hagerty vs Grundy. Ron Hettler, CIC. (806) 798-7800.

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  • Texas driver reviewing auto insurance policy at home desk with Hettler Insurance homepage on laptop to see differences in texas auto policies
    Differences in Texas Auto Policies: What You Need to Know
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    Differences in Texas Auto Policies: What You Need to Know
    Tags: Deductible, family, Lubbock Texas, West Texas|

    Discover the key differences in Texas auto policies. Learn how to choose the right coverage and save money while staying compliant. Compare Texas auto policies — liability, collision, comprehensive, PIP, UM/UIM — and pick the right coverage without overpaying. Call (806) 798-7800.

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  • Silver sedan parked on a wet West Texas driveway after a hailstorm with hailstones on the pavement and storm clouds breaking into golden light over a Lubbock-area home.
    Comprehensive auto insurance: protect your car from hail
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    Comprehensive auto insurance: protect your car from hail
    Tags: claims, hail damage texas, Lubbock Texas, Texas independent insurance agent|

    Discover what is comprehensive auto insurance and how it protects your car from hail damage. Stay covered in Texas storms—learn more now! Texas liability won't pay a dime for hail damage. Comprehensive auto insurance does — and a hail claim usually won't raise your premium. Here's why.

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  • Classic Car Insurance Requirements in Texas, Hettler Insurance Agency, Lubbock Texas, phone 8067987800, address 4720 S Loop 289
    Texas classic car insurance: requirements & coverage guide
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    Texas classic car insurance: requirements & coverage guide
    Tags: Lubbock Insurance Agent|

    Learn Texas classic car insurance requirements, antique vs. classic plates, replica liability exemptions, and how to choose the right specialty policy for your vehicle. Texas treats antique, classic & replica cars differently — and one wrong drive can void coverage. Learn agreed value, exemptions & smart classic car policies.

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  • auto insurance checklist Texas drivers, deductible liability pip um ium | Hettler Insurance Agency, Lubbock Texas, phone 8067987800, address 4720 S Loop289
    Your essential auto insurance checklist for Texas drivers
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    Your essential auto insurance checklist for Texas drivers
    Tags: auto insurance, news, PIP|

    Use this auto insurance checklist for Texas drivers. Texas auto insurance state minimums (30/60/25) are the legal floor — not real protection. Ron Hettler, CIC walks Texas drivers through liability limits, PIP, UM/UIM, hail-ready comprehensive coverage, and how shopping 30–60 days before renewal plus bundling auto + home can save 10–25%.

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  • Woman reading Texas auto insurance documents at kitchen table
    Personal Auto Policy in Texas: What Coverage Means for You
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    Personal Auto Policy in Texas: What Coverage Means for You
    Tags: auto insurance, Insurance Coverage|

    Discover what a personal auto policy is and how it protects Texas drivers. Learn essential coverage details to safeguard your finances.

    read more
  • Collision Claim Car Bottoms Out | Hettler Insurance Agency, Lubbock Texas, 4720 S Loop 289, Phone call 8067987800
    When Your Car Bottoms Out, Is It a Collision Claim?
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    When Your Car Bottoms Out, Is It a Collision Claim?
    Tags: auto insurance|
    read more
  • Auto Liability Limits Lubbock Texas | Hettler Insurance Agency, Lubbock Texas, 4720 S Loop 289 | call 8067987800
    Auto Liability Limits Protection in Lubbock, TX
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    Auto Liability Limits Protection in Lubbock, TX
    Tags: auto insurance, home insurance, Lubbock Texas|
    read more
  • Mercury Insurance, Claims, Ho Ho Homeowners Holidays | Lubbock Insurance | Hettler Insurance Agency, Lubbock Texas, 806-798-7800
    Essential Guide to Auto Insurance: Understanding, Customizing, and Optimizing Your Policy
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    Essential Guide to Auto Insurance: Understanding, Customizing, and Optimizing Your Policy
    Tags: auto insurance, Holiday|
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  • 7 Smart Tips How To Find Your Best Auto Insurance Policy | Hettler Insurance Agency, Lubbock Texas
    7 Smart Tips How To Find Your Best Auto Insurance Policy
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    7 Smart Tips How To Find Your Best Auto Insurance Policy
    Tags: auto insurance, Hettler Insurance Agency|

    Automobile insurance (car insurance, truck insurance, etc.) is a requirement in just about every state. Many times, we don’t actively use our insurance, but we still have to maintain an insurance policy. So, here’s a top 7 list of things you can do to help get the best auto policy at the lowest price.

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  • Auto Insurance Drive-Thru in Lubbock Texas | Hettler Insurance Agency
    Auto Insurance Drive-Thru in Lubbock Texas
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    Auto Insurance Drive-Thru in Lubbock Texas
    Tags: auto insurance, Business Insurance, getbettertogether, Hettler Insurance Agency|

    Drive-thru insurance? Slide-in or drive-in? Or, please, just pull up to the window! (We have the only drive-thru insurance agency in Lubbock, Texas). We do the shopping, so you don’t have to. We work for you, not the insurance company. GetHettler.com (806) 798-7800 M-F 8:30am-5pm. Hettler Insurance Agency, 4432 S Loop 289, Lubbock, TX 79414. Call, text, online, drive-thru. #freeautoquote #getbettertogether #shoplocal #hettlerinsurancedotcom

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  • Local, Independent Lubbock Auto Insurance Agency | Hettler Insurance Agency, Lubbock Texas
    Top 10 Ways to Save Money On Auto Insurance
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    Top 10 Ways to Save Money On Auto Insurance
    Tags: auto insurance, save money|

    Money-Saving Strategies to Lower Auto Insurance Costs. When you’re looking for ways to reduce expenses, consider the money you spend on car insurance. Reduce what you pay to insure your vehicle with these strategies. Of course, everyone knows that you are legally required to carry insurance for your vehicle. But, you don’t have to overpay for that coverage. Look for an affordable option for your […]

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  • Who Can Give Me A Free Auto Insurance Quote? | Hettler Insurance Agency, Lubbock Texas | GetHettler.com
    When to Check Auto Insurance Rates
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    When to Check Auto Insurance Rates
    Tags: auto insurance, Hettler Insurance Agency, rates|

    When’s the last time you gave more than a second thought to your car or truck insurance? Did you know that there’s no harm in changing insurance carriers often? Actually, it can be a very good thing. Keep reading to see why! Do you think about your auto insurance rates very often? Like many, you probably only consider your rates when it comes time to […]

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  • police speed trap
    Speeding Tickets & Auto Insurance
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    Speeding Tickets & Auto Insurance
    Tags: auto insurance, Lubbock Texas|

    “License and registration please.” Four words no one ever wants to hear. But sometimes even the best drivers exceed the speed limit and find themselves facing a massive ticket. Other than an unexpected dent to your wallet and points on your driving record, how else can a speeding ticket negatively impact you?

    read more
  • Auto Insurance Can Cover Vehicle Theft | Hettler Insurance Agency, Lubbock Texas
    How Safe Is Your Car This New Years Day?
    Gallery
    How Safe Is Your Car This New Years Day?
    Tags: auto insurance, Crime, Holiday, Metropolitan|

    According to the online magazine Insurance Journal, Texas insurance regulators say that New Year’s Day is the number one holiday for vehicle theft. The Texas Department of Insurance urges you to lock your car doors and turn on your alarm while you celebrate the new year, in order to prevent auto theft.

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Hettler Insurance Agency
Hettler Insurance Agency
4.5
Based on 31 reviews
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blaine bearman
blaine bearman
10:52 03 Nov 22
This was my first time going through an insurance agency, Ron was absolutely amazing!!! I got exactly what I was looking for with Ron's help!! He was very nice and helpful and wanted to help me!! Thank you Ron for this... experience and for helping me get health insurance for my children!! I highly recommend this place for anyone!!!read more
Morgan Cook
Morgan Cook
15:02 24 Jun 22
If you are looking for an insurance agency you can trust, look no further than Hettler Insurance. Meghan and the team are refreshingly professional and easy to work with. I was with my previous insurance agency for two... years, but they were no match for Meghan at Hettler. She was able to find the same policy/coverage with a significantly lower premium (with the potential for even more savings after 90 days). Every one of the staff is courteous, attentive, and helpful. Thanks Meghan and everyone at Hettler!read more
Weijun Huang
Weijun Huang
20:48 01 Jan 20
A friend recommended Hettler Insurance Agency for my family’s health insurance last year. As new immigrants, we got totally lost with what we can choose and how. Mr. Hettler has been so patient to us with full... explanation of the policies and all the guidance we need. We are very thankful to him with the insurance package we get. This is the company where the staff are very friendly and they always know what the customers need.read more
Chuck Lanehart
Chuck Lanehart
02:00 15 Dec 19
Ron Hettler and his staff are the best. I have used Ron for personal and business insurance for 20+ years, with no regrets. Recently he helped me sign up for Medicare supplemental insurance. We spent a good hour going... over the endless inane paperwork, even though I know his compensation for this is next to nothing. Good people, good insurance.read more
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Hettler Insurance Agency

Hettler Insurance Agency

Independent Lubbock Insurance Agency providing Texans with Auto, Home, Business, Health, Life insurance in Lubbock Texas. Self-service Life Insurance Quote GetLifePolicy.com New office at 4720 S Loop 289, Lubbock, Texas 79414 806-798-7800

Hettler Insurance Agency is at Hettler Insurance Agency.

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Hettler Insurance Agency
The $1,000 problem most Texas homeowners don't know they have: your standard homeowners policy caps jewelry coverage at around $1,000. Own an $8,000 engagement ring? A $12,000 watch collection? Grandma's diamond earrings? If they're stolen tomorrow, your check is $1,000. Everything above that is gone.The fix is a rider. And it costs less than you think.Ron Hettler, CIC (Certified Insurance Counselor) breaks down what riders actually are and why most policyholders underuse them:▶️ A rider is a legal amendment — Also called an endorsement. It's a separate contract document attached to your base policy that can override exclusions and close specific gaps. Full legal weight. Governs within its scope.▶️ Premium impact is small — Most riders add 5-15% to your annual premium. A $10,000 jewelry rider on an $1,800 homeowners policy typically costs $90-$270 a year — versus buying a standalone valuables policy that costs much more.▶️ Some riders are FREE — The accelerated death benefit rider (early access to your life insurance if diagnosed with a terminal illness) is often included at no extra cost in 2026. Check your declarations page. You may already have it.▶️ Timing matters — Most life insurance riders must be selected at purchase. Adding them later means new underwriting, higher costs, or outright denial if your health or age has changed. Do NOT assume you can add later.▶️ Not just for wealthy policyholders — Waiver of premium (keeps your life policy active if you become totally disabled) costs $50-$150/year. That's not a luxury — that's basic financial protection for any family relying on your policy.Common riders that actually earn their keep:• Scheduled personal property — jewelry, watches, art, firearms• Waiver of premium — life insurance during disability• Sewer backup — homeowners water damage from drain backup• Rideshare endorsement — auto coverage during Uber/Lyft driving• Rental reimbursement — auto rental during repairs• Long-term care rider — life policies covering nursing home costsRun gap analysis on every rider: annual premium increase vs. your uncovered exposure. Most decisions are obvious once you see both numbers.Get Better. Get Hettler.Read the full riders guide: hettlerinsurance.com/2026/08/14/what-are-insurance-riders-your-coverage-guide/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#InsuranceRiders #endorsements #scheduledpersonalproperty #lifeinsurance #homeowners #lubbock #hettlerinsurance #gethettler ✨ ... See MoreSee Less

What Are Insurance Riders? Your Coverage Guide

hettlerinsurance.com

TL;DR summary: Insurance riders are legal amendments that customize existing policies to better suit individual risks and needs. They work by attaching to the primary policy, overriding exclusions, an...
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Hettler Insurance Agency is at Hettler Insurance Agency.

2 days ago

Hettler Insurance Agency
The most misunderstood number on your Texas insurance policy has one job: to tell you what a claim actually costs you.Your deductible is not a fee your insurer charges. It is the portion of every covered loss you absorb before your policy pays a single dollar. Get this number wrong, and a Lubbock hail storm can hand you a five-figure bill you were not prepared for.Ron Hettler, CIC (Certified Insurance Counselor) breaks down what every Texas homeowner and renter needs to understand:▶️ Two kinds of deductibles — Flat dollar (like $500, $1,000, $2,500) means you owe that fixed amount every time. Percentage means you owe a share of your home's insured value — often 1% to 5% — applied specifically to wind and hail claims in Texas.▶️ The percentage trap — A 2% wind/hail deductible on a $300,000 home is $6,000 owed BEFORE your insurer pays for a single shingle. At 5%, that number is $15,000. The percentage is listed separately on your declarations page.▶️ Per-incident, not annual — Texas property policies apply your deductible EVERY time you file. File three claims in a year, you pay your deductible three times. There is no annual reset like health insurance.▶️ Peril-specific deductibles — Your policy can carry different deductibles for fire, theft, flood, wind, and hail. Each applies only to its specific peril. Assuming one deductible covers everything is one of the most expensive mistakes we see.▶️ The premium trade-off — Raising your deductible from $500 to $1,000 typically saves 15% to 30% on your annual premium. But if you cannot write a check for that deductible today without stress, it is set too high.The rule that never fails: never carry a deductible higher than the cash you can access without going into debt. Premium savings are meaningless if a storm forces you to borrow to pay your share of the loss.Get Better. Get Hettler.Read the full deductible guide: hettlerinsurance.com/2026/08/13/what-is-an-insurance-deductible-texas-guide/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#InsuranceDeductible #windhaildeductible #texashomeowners #lubbock #InsuranceExplained #hettlerinsurance #gethettler 🏠 ... See MoreSee Less

What Is an Insurance Deductible? Texas Guide

hettlerinsurance.com

TL;DR summary: An insurance deductible is the fixed amount you pay out of pocket before your insurer covers a covered claim, affecting your premiums and claim costs. In Texas, deductibles are typicall...
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Hettler Insurance Agency
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4720 S Loop 289, Lubbock, TX 79414

Hettler Insurance Agency, Lubbock Texas, (806) 798-7800
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“This site is intended for general informational and educational use only. It is not exhaustive and should not be construed as professional, financial, medical, or legal advice; or actual specific insurance policy terms. Please contact our insurance professionals online, by phone, or in-person for further specific information to receive a quote or inquire about your own policy if you are a current client. It’s possible that online content may not be complete, correct, or up-to-date due to fluctuations in insurance markets and/or other factors. You agree that if we contact you by phone, mail, or electronically that it’s because you have consented for us to do so.”

Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services.

This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

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