The words “bargain” and “insurance” really shouldn’t be used in the same sentence, in particular when shopping around for the best car insurance rates for 19 year olds. Let’s introduce you to some of the factors that help determine auto insurance premiums, and see how we can help you take the bite out of the next policy you buy.
The vehicle you are seeking coverage for is probably the largest consideration that determines whether or not you can buy the cheapest coverage for 19 year olds. Vehicles with limited speed and performance, a plethora of safety features, or a low likelihood of liability claims will cost significantly less to insure than adrenaline junky models.
The next table features insurance prices for a handful of the cheaper automobiles to insure in Texas.
|Vehicle||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$2,750|
|Honda CR-V EX-L 4WD||$2,783|
|Ford Escape Limited 4WD||$2,977|
|Ford F-150 STX Regular Cab 2WD||$3,038|
|Ford Explorer XLT 4WD||$3,071|
|Ford Edge SEL 2WD||$3,233|
|Ford Focus S 4-Dr Sedan||$3,242|
|Chevrolet Impala LS||$3,233|
|Honda Civic DX 4-Dr Sedan||$3,240|
|Chevrolet Malibu LS||$3,265|
|Chevrolet Equinox LS 2WD||$3,274|
|Toyota RAV4 Limited 2WD||$3,265|
|Dodge Grand Caravan Hero||$3,270|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$3,357|
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Prices above based on single female driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in vehicle location which can influence rates substantially.
Based upon these rates, vehicles like the Honda Accord, Honda CR-V, Ford Escape, Toyota Prius, and Ford F-150 will definitely be some of the cheaper vehicles to insure for teenage drivers. The cost of auto insurance will tend to be more expensive anyway because there is more liability risk for 19 year olds, but generally speaking those vehicles will most likely have the cheapest rates compared to other types of vehicles.
For teenage drivers, one of the largest criteria that are looked at to help calculate the amount you pay for auto insurance is where your car is garaged in Corpus Christi. Areas with a lot of weather claims or more people are more likely to have higher rates, whereas areas with less people or fewer weather incidents get the luxury of paying less.
The following table sorts the highest-priced areas in Texas for 19 year olds in which to purchase auto insurance. Corpus Christi ranks #19 with the yearly price of $1,572 for the average insured, which is approximately $131 per month.
|Rank||City||Average Per Year|
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Price information shown is estimated as the specific Corpus Christi residence address can raise or lower rates significantly.
The chart below shows how choosing a deductible can affect insurance rates when searching for cheap insurance for 19 year olds. The information is based on a married male driver, comp and collision included, and no discounts are applied.
A 50-year-old driver could pocket $372 a year by increasing from a $100 deductible up to a $500 deductible, or save $560 by choosing a $1,000 deductible. Even younger drivers, like the age 20 example, could shave up to $1,240 or even more by choosing a higher deductible. If you do raise deductibles, it will now be necessary to have enough spare savings to be able to pay the extra out-of-pocket expense associated with higher deductibles.
How accidents and violations affect rates in Corpus Christi
The common sense way to obtain the most affordable insurance premiums in Corpus Christi for teenage drivers is to be a safe driver and avoid traffic citations and accidents. The information below highlights how traffic violations and at-fault accidents raise annual premium costs for different ages of insureds. The rates are based on a married male driver, full coverage, $500 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of an auto insurance policy per year with no violations or accidents is $1,676. Receive one speeding ticket and the average cost jumps to $1,925, an increase of $249 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of insurance for 19 year olds increases to an average of $4,094. That’s an increase of $2,418, or $202 per month, just for not being more responsible behind the wheel!
How to find cheaper auto insurance for 19 year olds
The list below details some thrifty suggestions that can help you buy more affordable coverage.
- Being accident-free can lower rates significantly
- Safe vehicles cost less to insure
- Bundle home and auto and earn a discount
- Good credit can save money
- Save money by insuring older vehicles for liability only
- Comparison shop at least every other year
That last tip is highly necessary, as we discussed in this write-up. Rates vary considerably, so drivers shouldn’t be reluctant to switch companies if a more affordable rate is found.
Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if it’s costing you hundreds every year. Now is a great time to compare prices to find cheaper insurance for 19 year olds in Corpus Christi.
The insurance agencies below can answer your questions and help you decide which policy is best, since many people would rather get some guidance when trying to find the best insurance rates for teenage drivers. It can be hard to find the cheapest car insurance policy, so insurance agents licensed in the state of Texas can provide you comfort knowing your coverage gives you decent coverage if you have a claim. To locate a Corpus Christi insurance agent in your neighborhood, click the button at the bottom of the list.
- Mc Kenzie and Shell Insurance
4444 Corona Dr # 103 – Corpus Christi, TX 78411 – (361) 854-3046
- Farmers Insurance – Stephanie Waterman
5433 S Staples St, Ste P3 – Corpus Christi, TX 78411 – (361) 906-9400
- Crawford Insurance
5262 S Staples St # 300 – Corpus Christi, TX 78411 – (361) 654-2788
- Allstate Insurance: James Aleman
6262 Weber Rd Ste 112 – Corpus Christi, TX 78413 – (361) 806-2133
- Joely DelVecchio – State Farm Insurance Agent
525 Glazebrook St c – Corpus Christi, TX 78404 – (361) 906-2886