You have most likely seen the catchy advertisements from insurers like Progressive and Liberty Mutual claiming the cheapest price, so drivers should just pick the one with the catchiest commercial, right?
It’s not that simple, unfortunately, as there are a whole bunch of unknown elements like if you have maintained coverage continuously, how safe your vehicle is, and how high your deductibles should be, that all impact the cost of your policy. We are going to cover the best ways to avoid high prices and educate you enough to have a good beginning to your quest for cheaper car insurance.
For infrequent drivers, one of the more important components that help determine the amount you pay for auto insurance is where you live in Corpus Christi. Cities with more crime and/or more people likely pay more, whereas areas that tend to be more rural tend to receive cheaper rates.
The next table sorts the highest-priced places in Texas for low mileage drivers to buy an auto insurance policy in. Corpus Christi ranks #21 with the yearly price of $1,572 for car insurance, which is around $131 monthly.
|Rank||City||Average Per Year|
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Prices are comparative as the garaging address in Corpus Christi can decrease or increase auto insurance rates considerably.
Finding dependable, low-priced auto insurance is not the easiest thing to do, and figuring out which companies quote the cheapest car insurance rates for low mileage drivers will require even more perseverance. Each insurer has their own process for establishing rates, so let’s begin by taking a look at the car insurance companies with the most affordable rates in Texas.
It’s important to understand that Corpus Christi car insurance rates are influenced by many factors which can substantially decrease or increase the cost of a policy. This price fluctuation is why it is so important to shop around with many companies to find the cheapest insurance quotes for low mileage drivers. Auto insurance prices are impacted by many different factors and can decrease or increase without notice, so the most economical option the last time you checked may now be wasting a lot of money.
Best Cheap Insurance Rates in Texas
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,235|
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Travelers quotes some of the most affordable car insurance rates in Corpus Christi at around $1,010 annually. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also some of the most economical Corpus Christi, TX car insurance companies.
As the example above demonstrates, if you have coverage with Texas Farm Bureau and switched to Travelers, you could realize a yearly price reduction of approximately $225. Drivers with Germania Mutual could save as much as $272 a year, and California Casualty policyholders might reduce rates by $386 a year.
It’s important to note that these prices are averages for all types of insureds and vehicles and do not take into consideration an exact location for low mileage drivers. So the company that can offer you the best price may not even be in the list above. That helps illustrate why you need to get car insurance quotes using your own driver information and specific vehicle type.
The car, truck, or SUV you are buying coverage for is one of the largest considerations when looking for the best car insurance for low mileage drivers. Vehicles with reasonable performance levels, modern passenger safety features, or a track record of few liability claims will cost quite a bit less to insure than fast, unsafe models.
The next table outlines car insurance prices for a handful of the cheapest vehicles to insure.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$1,035|
|Honda CR-V EX-L 4WD||$1,058|
|Toyota RAV4 2WD||$1,069|
|Dodge Grand Caravan Hero||$1,074|
|Chevrolet Silverado LT Extended Cab 4WD||$1,069|
|Hyundai Elantra GLS Touring Station Wagon||$1,106|
|Hyundai Sonata GLS 4-Dr Sedan||$1,147|
|Ford Explorer XLT 4WD||$1,160|
|Dodge Ram Crew Cab ST 2WD||$1,166|
|Nissan Rogue SL AWD||$1,201|
|Ford Focus S 4-Dr Sedan||$1,207|
|Volkswagen Jetta S 4-Dr Sedan||$1,224|
|Ford F-150 XLT Crew Cab 2WD||$1,237|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$1,239|
|Toyota Tacoma Double Cab 4WD||$1,246|
|Dodge Ram 2500 Crew Cab SLT 2WD||$1,276|
|Chevrolet Impala LTZ||$1,287|
|Ford Edge Sport 2WD||$1,293|
|Honda Odyssey EX-L W/Navigation||$1,287|
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in garaging location in Corpus Christi, TX which can increase or decrease auto insurance rates greatly.
Based upon the table data, you can presume that cars like the Toyota Prius, Ford Escape, Honda CR-V, and Toyota RAV4 are likely to be a few of the less-costly vehicles to insure for infrequent drivers.
Careless Corpus Christi drivers pay higher rates
The common sense way to snag the best car insurance premiums for infrequent drivers is to be a cautious driver and not get tickets or have accidents. The information below highlights how speeding tickets and at-fault fender-benders can increase auto insurance rates for different age categories. The information is based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
In the chart above, the average cost of an auto insurance policy per year with no accidents or violations is $2,091. Receive two speeding tickets and the average cost increases to $2,978, an increase of $887 each year. Then include one accident along with the two speeding tickets and the yearly cost of car insurance for low mileage drivers goes up to an average of $3,872. That’s an increase of $1,781, or $148 per month, just for not being more responsible behind the wheel!
Difference between liability only and full coverage rates
Saving money on car insurance is probably important to most people, and one good way to pay less for insurance for low mileage drivers is to not insure for full coverage. The diagram below visualizes the comparison of car insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data is based on no claims or driving citations, $1,000 deductibles, single status, and no discounts are taken into consideration.
On average, comprehensive and collision coverage on your policy costs $1,598 per year over having just liability coverage. That raises the question when is the right time to remove full coverage. There isn’t a written rule for excluding physical damage coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let’s assume your vehicle’s book value is $11,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $10,000 after you pay the deductible. If it’s costing in excess of $1,000 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.
There are a few situations where eliminating full coverage is not recommended. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Your cheap policy may actually be overpriced
Corpus Christi car insurance rates are based on many factors that can increase the cost of having a policy. Simply improving your credit, buying a different vehicle, or having a fender bender can trigger changes in premium that can make some companies more affordable than competitors. Not only may your risk profile change, but car insurance companies file new Texas auto insurance rates at least once a year to adjust for gains or losses. Higher than normal claim frequency or severity can cause more expensive premiums, while lower claim expenses can produce more affordable Corpus Christi car insurance rates.
For instance, the bar chart below shows the cheapest car insurance in Corpus Christi, TX for a 30-year-old female driver with no prior claims, no tickets, and a good credit history. When comparing rates based on her current risk profile, Travelers offers the best car insurance rates in Corpus Christi at $1,133 a year. This is $771 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are the remainder of the best Corpus Christi, TX auto insurance companies.
In this example, we will give the driver from the first rate comparison a chargeable claim, less-than-perfect credit, and a speeding ticket. Since each company has a different process to determining premium rates, comparing prices may result in a significantly different list of affordable Corpus Christi car insurance companies as shown below.
State Farm now has the cheapest price in Corpus Christi with Mercury, Nationwide, Safe Auto, and USAA completing the list. This shows why it is so important to compare rates when trying to get the cheapest auto insurance rates for low mileage drivers. Rates consist of many things and can change substantially, so the best price six months ago may now be one of the higher cost companies.
The agents below can aid you in deciding which auto insurance policy would work best for you, as some drivers aren’t sure which coverage they need and prefer to get some professional advice when comparing insurance rates for low mileage drivers. It can be challenging to find the cheapest rate yourself, and insurance agents licensed in the state of Texas can bring satisfaction knowing your coverage gives you adequate asset protection.
To find an auto insurance agency in your neighborhood, click the button link following the list or click here to compare price quotes.
- Liz Sweney – State Farm Insurance Agent
7102 Wooldridge Rd – Corpus Christi, TX 78414 – (361) 852-1700
- Tejas Auto Insurance
4701 Ayers St #104 – Corpus Christi, TX 78415 – (361) 814-0030
- Moore Insurance Agency
500 N Water St #702 – Corpus Christi, TX 78401 – (361) 991-9000
- Larry Watson – State Farm Insurance Agent
6210 Wooldridge Rd b – Corpus Christi, TX 78414 – (361) 993-6787
Tips for finding budget-friendly car insurance for low mileage drivers
Lowering your rates is not difficult, and here are some thrifty ideas that can help drivers find lower-cost auto insurance.
- Increase the comprehensive and collision deductibles on your policy
- Remain accident-free and save
- Full coverage is expensive so only insure older vehicles for liability only
- Do not get traffic citations
- Do not file small claims
- Shop around once a year for cheaper rates
The last tip is extremely important, as was discussed in the article above. Auto insurance prices change a lot, so don’t be hesitant to switch to a new company if a cheaper price is available.
Having a favorite company is great, but it isn’t a good idea if that inflexibility results in costing you lots of money. If you have a few minutes, shop around and find cheaper insurance for low mileage drivers in Corpus Christi.