Auto insurance is available in Lubbock. This is a system to absorb the financial liability of the owner in case his car his damaged in an accident, such as a collision. The vehicle owner needs to be insured as well, in all states barring one. All states do offer insurance for the vehicle. For availing this service, one has to pay a monthy insurance premium (failure to pay which would result in a lapse of the insurance, as well as the cover conferred by it). Factor influencing the premium amount include the type of covered vehicle, the age and gender of any covered drivers, their driving history, and the location where the vehicle is primarily driven and stored. The insurance company provides documentation as a proof of the insurance.