Name: Hettler Insurance Agency
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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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Hettler Insurance Agency

4.5

Based on 31 reviews

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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

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

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

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

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.

18 hours ago

A captive agent works for ONE insurance company and can only sell ONE company's products. An independent agent works for YOU and can place your coverage with any carrier they represent. In Texas, that difference is not academic. It shows up every hail season, every underwriting pullback, and every claim.Ron Hettler, CIC (Certified Insurance Counselor) breaks down what an independent agent actually does — and how to spot a good one:🏢 Choice, not a script — Your independent agent shops your profile across dozens of carriers simultaneously. A captive agent only quotes one carrier's pricing. Different carriers write aggressively in different Texas regions — Dallas may be easy for one carrier and closed off in Lubbock or Midland after a bad storm season.⚡ Flexibility at renewal — If your carrier non-renews after a hailstorm or raises rates, your independent agent moves your coverage without you starting from scratch. Same agent. Same history. New carrier.📞 One point of contact — Home, auto, business, life — one agent handles ID cards, certificates of insurance, lender updates, and endorsements across ALL carriers. Contractors who need a certificate of insurance for a new job get it same-day, not from a national 800 number.🛡️ Claims advocacy — Your agent gathers documentation, communicates with adjusters, and advocates for you during a claim. They don't decide the outcome, but they make sure you're not navigating it alone.📅 Proactive renewal shopping — 60 days before renewal, your agent should be running a market comparison. Rates shift every year. A 10-minute review can reveal real savings without changing your coverage.🎯 How to spot a real independent agent:• Represents 10-15+ carriers (fewer than 5 is a red flag)• Certified Insurance Counselor (CIC) credential• Local reputation — A+ BBB, strong Google reviews• Experience with your specific risk type• Responds fast BEFORE you sign (it predicts claims-time responsiveness)And you pay nothing extra for the service. Independent agents earn carrier commissions, not client fees. Clients often get BETTER pricing than buying direct because the agent creates competition among carriers.Get Better. Get Hettler.Read the full independent-agent guide: hettlerinsurance.com/2026/08/26/role-of-independent-agents-in-texas-a-clear-guide/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#independentagent #texasinsurance #lubbock #westtexas #ShopTheMarket #CIC #hettlerinsurance #gethettler 🤝 ... See MoreSee Less

Role of Independent Agents in Texas: A Clear Guide

hettlerinsurance.com

TL;DR summary: An independent insurance agent in Texas works for clients by representing multiple carriers and offering unbiased advice. They provide ongoing coverage reviews, claims support, and loca...

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Hettler Insurance Agency is in Texas.

20 hours ago

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Hettler Insurance Agency is at Hettler Insurance Agency.

2 days ago

Most Texas small-business owners buy a general liability policy, file it away, and never look at it again — until a claim arrives. By then it is often too late to fix the gaps.Ron Hettler, CIC (Certified Insurance Counselor) walks through what your GL policy actually does — and does NOT — cover, with real-world claim examples:🚑 Bodily injury — Customer slips on your retail floor and breaks a wrist. Slip-and-fall settlements can top $25,000 once medical bills and legal fees stack up. Your GL pays medical AND legal defense costs — even when you are not at fault.🏠 Property damage — Flooring contractor cracks a client's custom tile. HVAC tech drops a tool through a drywall ceiling. Landscaping crew severs an irrigation line. GL covers third-party property, NOT your own truck, tools, or equipment (that is commercial property or inland marine).⏱️ Completed operations — A roofer who finishes a job in March could face a water damage claim in June if the flashing was improperly sealed. Confirm completed operations is included — it is a critical, sometimes-overlooked piece of a GL policy.📢 Advertising injury — Defamation, copyright, false arrest. A competitor sues over a social media post. A photographer sues over an unlicensed stock image. Defense costs alone can hit $5,000-$45,000 — and your GL pays them even if you win.⚠️ Aggregate limits are the trap — Occurrence limit is per claim. Aggregate is the ceiling for the ENTIRE YEAR. Once you hit $2M aggregate, additional claims are NOT covered until renewal. A busy contractor with multiple claims can drain aggregate without realizing it.🚫 What GL does NOT cover — Professional mistakes (need professional liability / E&O), employee injuries (need workers' comp), your own business property, and cyber incidents. GL is not a catch-all.Costs range from $300-$600/year for low-risk solo operators to $2,000-$8,500 for high-risk trades. Standard limits: $1M per occurrence / $2M aggregate. Read every client contract BEFORE you sign — many require specific limits, additional insured endorsements, and certificates of insurance you may not have.Get Better. Get Hettler.Read the full GL coverage guide: hettlerinsurance.com/2026/08/25/general-liability-coverage-examples-for-small-businesses/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#GeneralLiability #SmallBusinessInsurance #BusinessInsurance #Contractors #Lubbock #WestTexas #HettlerInsurance #GetHettler 🛡️ ... See MoreSee Less

General Liability Coverage Examples for Small Businesses

hettlerinsurance.com

TL;DR summary:General liability insurance covers third-party claims for bodily injury, property damage, and advertising injury caused by your business.It also includes legal defense costs and has typi...

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What Is Classic Car Insurance? Your 2026 Guide

Hettler Insurance Agency

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