This would be a much shorter article if we could simply tell you the one Texas auto insurance company that has the rock bottom lowest rates in Texas. Regrettably, it’s not quite that easy, as there are a lot of unknowns such as if you have ever had a gap in coverage, the amount of liability insurance you need, whether you just need liability insurance, and the area where you live. If you keep reading, we will teach you about the causes of high insurance rates and hopefully give you enough understanding to have a good beginning to your quest for cheaper car insurance in Corpus Christi.
For foreigners, one of the big factors that are used to help calculate the annual cost of car insurance is where you keep your car in Corpus Christi. Areas with more people or higher crime rates tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of lower rates.
The table below sorts the most expensive areas in Texas for immigrants to purchase auto insurance in. Corpus Christi is ranked at #23 with an annual cost of $1,572 for car insurance, which is about $131 each month.
|Rank||City||Average Per Year|
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Rate information is comparative as the specific area where the vehicle is garaged can affect coverage prices greatly.
The vehicle to be insured is probably the largest consideration when trying to find low-priced insurance for immigrants. Vehicles with lots of speed or power, poor crash test ratings, or a history of substantial liability claims will cost more to insure than safer, lower-performance models. The data below shows coverage costs for a selection of the cheapest automobiles to insure in Texas.
|Vehicle||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$991|
|Honda CR-V EX-L 2WD||$1,014|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,023|
|Chevrolet Impala LT||$1,027|
|Chevrolet Malibu LS||$1,034|
|Chevrolet Silverado LT Extended Cab 4WD||$1,027|
|Toyota RAV4 Limited 4WD||$1,034|
|Ford Explorer Eddie Bauer 4WD||$1,048|
|Ford Escape Limited 4WD||$1,075|
|Ford Edge Limited AWD||$1,080|
|Toyota Camry SE||$1,085|
|Honda Odyssey Touring||$1,101|
|Nissan Rogue SL AWD||$1,149|
|Honda Accord LX-S 2-Dr Coupe||$1,159|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,164|
|Toyota Camry Hybrid||$1,171|
|Kia Optima SX||$1,181|
|Toyota Tacoma Double Cab 4WD||$1,177|
|Ford F-150 XLT Super Cab 2WD||$1,190|
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium amounts do not factor in zip code location which can change price quotes noticeably.
Based upon the table data, you can figure that vehicles like the Toyota Prius, Hyundai Elantra, Honda CR-V, Volkswagen Jetta, and Chevrolet Impala are likely to be some of the more affordable vehicles to insure for foreigners.
Finding out which companies have the lowest-priced car insurance rates for immigrants may require more time in order to find the lowest price.
Every insurance company has a proprietary method to establish rates, so we will examine the car insurance companies with the most affordable rates in Corpus Christi.
Find the Cheapest Car Insurance for Migrants
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,235|
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Travelers has some of the lowest car insurance rates in Corpus Christi at around $1,041 each year. This is $863 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also qualify as some of the cheaper Corpus Christi, TX insurance companies.
As the example above demonstrates, if you are a policyholder with Germania Mutual and switched to USAA, you might realize a yearly price reduction of roughly $210. Drivers with California Casualty could save as much as $312 a year, and Esurance insureds might see rate reductions of $323 a year.
Bear in mind that those policy prices are averages across all insureds and vehicles and do not take into consideration a specific location for immigrants. So the company that fits your needs best may not even be in the top 23 companies shown above. That affirms the importance of why you need to get auto insurance quotes using your own driver information and specific vehicle type.
What is the best car insurance company in Texas?
Finding the highest-rated car insurance provider can be challenging considering how many different companies there are to choose from in Texas. The company ratings in the next section may help you pick which auto insurers to look at when comparing insurance rates for immigrants. The rankings below include companies with a national presence, so companies that have a smaller presence are not included in the list.
Top 10 Major Auto Insurance Companies in Corpus Christi Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Top 10 Major Auto Insurance Companies in Corpus Christi Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Cost difference between full coverage and liability
Paying less for car insurance is important to most people, and one way to reduce the cost of insurance for immigrants is to not buy comprehensive and collision coverage. The information below illustrates the difference between annual premium costs when comparing full coverage to liability only. The premiums are based on no violations or claims, $1,000 deductibles, drivers are single, and no other discounts are factored in.
As an overall average, full coverage costs $1,598 per year more than just buying liability insurance. Lot’s of drivers question if physical damage coverage is worth the money. There is no clear-cut formula for dropping physical damage coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
Don’t stick with an overpriced policy
Texas car insurance rates are impacted by many things which can significantly increase or decrease the policy price. Simply having a birthday, having a teenage driver, or getting a DUI can trigger changes in premium that can make some companies cheaper than competitors. In addition to those changes, insurance companies change rates as often as every three months in order to remain profitable. Higher than usual claims may cause additional premium costs, while a lower level of claims can cause cheaper Corpus Christi car insurance rates.
The data below shows the cheapest car insurance in Corpus Christi, TX for a 40-year-old male driver with no accidents, a clean driving record, and a high credit rating. If we estimate prices based on his current risk factors, Travelers quotes the cheapest car insurance rates in Corpus Christi at $1,067 each year. This is $837 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty round out the rest of the cheapest Corpus Christi, TX auto insurance companies.
In this example, we will give the driver from above a claim, slightly worse credit, and a traffic ticket or two. Due to the fact that every auto insurer has their own formula to set policy rates, analyzing rate quotes may now show a different ranking of companies as shown below.
State Farm now has the cheapest rate in Corpus Christi with Mercury, USAA, Nationwide, and Safe Auto also being competitive. This example illustrates why it is critical to compare many different companies to find affordable car insurance quotes for immigrants. Rates consist of many factors and change dramatically, so the most economical option a year ago may now be an over-priced policy.
How to find economical insurance for immigrants
Below you’ll find many money-saving suggestions that can help Corpus Christi drivers locate lower-cost coverage.
- Higher physical damage deductibles lower rates
- Pay for small claims rather than turning them in to your insurance company
- Drive attentively and avoid accidents
- Do not get tickets or violations
- Home or renters coverage can save on auto insurance
- Pay cheaper rates with good credit scores
- Compare rates and switch if you can find a better deal
The last idea is extremely important, as was noted in this article. Prices fluctuate constantly, so drivers shouldn’t be reluctant to buy a policy from a new company if you can save money. Many drivers prefer to stick with one company, but we do not recommend it if that dedication is costing hundreds of dollars a year. Take a couple minutes and compare prices to find cheaper auto insurance for immigrants in Corpus Christi.
The insurance agents in Corpus Christi listed below can most likely help you determine which auto insurance policy would work best for you, since lots of drivers aren’t clear which coverage they need and would like to have some advice when shopping around for cheaper insurance for foreigners. It can be time-consuming to find the cheapest rate yourself, and insurance agents can provide satisfaction knowing you have adequate protection.
To find a Corpus Christi insurance agent near you, click the button link following the list.
- GEICO Insurance Agent
6349 S Padre Island Dr – Corpus Christi, TX 78412 – (361) 992-4955
- Francisco Aguilar – State Farm Insurance Agent
5829 Weber Rd – Corpus Christi, TX 78413 – (361) 991-8242
- All American Hallmark Ins
4510 Weber Rd a – Corpus Christi, TX 78411 – (361) 993-6643
- Allstate Insurance: Tricia Herte
5959 S Staples St #103 – Corpus Christi, TX 78413 – (361) 994-8927