You have most likely watched the catchy advertisements from companies like Farmers, Nationwide, and The General that promise the cheapest price. So you just need to pick the one with the best commercial, right?
It’s just not that simple, as there are a whole slew of unknowns such as what deductibles you want to use, if you are married or single, and the likelihood of vehicle theft where you live. This article delves into the best ways to compare rates and hopefully give you enough understanding to have a good start to your coverage search.
Figuring out which company quotes the cheapest auto insurance rates for state employees takes a bit more work in order to find the most economical policy.
Every insurance provider has their own formula for setting prices, so we will examine the most budget-friendly auto insurance companies in Corpus Christi. It’s important to know that Corpus Christi auto insurance rates are calculated based on many things that can increase the price you pay for coverage. Improving your credit score, moving across town, or getting a couple of tickets may generate price changes that can cause some rates to be more affordable than competitors.
Cheapest Insurance Rates in Texas
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Travelers has some of the most affordable car insurance rates in Corpus Christi at around $1,041 annually. This is $863 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the most economical Corpus Christi, TX auto insurance companies.
As shown in the rates above, if you are a policyholder with Germania Mutual and switched to USAA, you could earn a yearly price reduction of approximately $154. Policyholders with Esurance might save as much as $251 a year, and California Casualty insureds might realize rate reductions of up to $254 a year.
If you want to find out if you’re overpaying, click here to begin a quote or feel free to get quotes from the companies below.
It’s important to note that these premium estimates are averages across all ages of drivers and types of vehicles and are not factoring in an exact location for state employees. So the auto insurance company that can offer the best rates for your situation may not even be in the top 23 companies shown above. That affirms the importance of why you need to compare as many prices as possible using your own driver and vehicle profiles.
The vehicle driven is probably the biggest factor that determines whether or not you find the best cheap coverage for state employees. Vehicles with lots of speed or power, poor safety ratings, or a high likelihood of having liability claims will cost much more to insure than safer models. The data below estimates insurance rates for the cheapest vehicles to insure in Texas.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $851 |
| Hyundai Elantra SE Touring Station Wagon | $903 |
| Dodge Grand Caravan CV | $936 |
| Ford Escape XLT 2WD | $953 |
| Honda Accord LX 4-Dr Sedan | $961 |
| Ford F-150 STX Super Cab 4WD | $955 |
| Ford Focus S 4-Dr Sedan | $969 |
| Jeep Grand Cherokee Laredo 2WD | $988 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,017 |
| Chevrolet Impala LTZ | $1,040 |
| Ford Edge Sport AWD | $1,050 |
| Toyota Camry SE | $1,040 |
| Toyota Prius | $1,054 |
| Nissan Rogue SL 2WD | $1,056 |
| Chevrolet Silverado LTZ Crew Cab 4WD | $1,058 |
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price estimates do not factor in specific Corpus Christi, TX garaging location which can lower or raise rates substantially.
Looking at the rates, cars like the Honda CR-V, Hyundai Elantra, and Dodge Grand Caravan will be the most budget-friendly vehicles to insure for state workers.
One of the more important criteria that are looked at to determine the amount you pay for auto insurance is where you live. Larger areas tend to have more expensive auto insurance rates, whereas less populated areas benefit from having to pay less for coverage.
The following table sorts the highest-priced places in Texas for state employees in which to purchase auto insurance. Corpus Christi ranks #21 with an annual rate of $1,588 for coverage, which is about $132 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Houston | $1,909 |
| 3 | Dallas | $1,855 |
| 4 | Brownsville | $1,851 |
| 5 | Garland | $1,850 |
| 6 | Laredo | $1,833 |
| 7 | Mesquite | $1,825 |
| 8 | Pasadena | $1,812 |
| 9 | Irving | $1,789 |
| 10 | Amarillo | $1,786 |
| 11 | Grand Prairie | $1,740 |
| 12 | Beaumont | $1,702 |
| 13 | Arlington | $1,692 |
| 14 | San Antonio | $1,688 |
| 15 | Fort Worth | $1,670 |
| 16 | Lubbock | $1,665 |
| 17 | Carrollton | $1,647 |
| 18 | Plano | $1,624 |
| 19 | Austin | $1,610 |
| 20 | McKinney | $1,609 |
| 21 | Corpus Christi | $1,588 |
| 22 | El Paso | $1,568 |
| 23 | Abilene | $1,545 |
| 24 | Waco | $1,537 |
| 25 | Killeen | $1,533 |
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Price information shown is comparative as vehicle location can revise auto insurance rates significantly.
Rate increases following a ticket or accident
A great way to obtain the cheapest auto insurance rates for state workers is to be a cautious driver and avoid at-fault accidents and violations. The diagram below highlights how speeding tickets and at-fault fender-benders influence premium costs for each age group. The price estimates are based on a single male driver, full coverage, $250 deductibles, and no discounts are factored in.
In the example above, the average cost of an auto insurance policy in Texas per year with no accidents and a clean driving record is $2,671. Factor in two speeding tickets and the average cost jumps to $3,542, an increase of $870 each year. Then add in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for state employees jumps again to an average of $6,783. That’s an increase of $4,111, or $343 per month, just for not being attentive to the road!
Discounts on Corpus Christi auto insurance rates
Insurers that offer cheap quotes for state employees may have premium discounts that could lower prices by as much as 30% if you can meet the requirements. A list of companies and a summarized list of policyholder discounts include:
- Farm Bureau includes discounts for renewal discount, multi-policy, good student, driver training, 55 and retired, and multi-vehicle.
- Liberty Mutual may include discounts for new move discount, newly married, new graduate, safety features, hybrid vehicle, newly retired, and good student.
- State Farm may have discounts that include Drive Safe & Save, driver’s education, defensive driving training, good driver, accident-free, and Steer Clear safe driver discount.
- Auto-Owners Insurance offers premium reductions for safe driver, multiple vehicles, student away at school, paid in full, mature driver, anti-theft, and multi-policy.
- GEICO policyholders can earn discounts including membership and employees, anti-lock brakes, good student, daytime running lights, multi-policy, anti-theft, and multi-vehicle.
- SAFECO has savings for accident prevention training, safe driver, anti-lock brakes, multi-car, bundle discounts, anti-theft, and homeowner.
The illustration below shows the difference between auto insurance costs with and without some available policy discounts. The costs are based on a male driver, no claims, a clean driving record, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with marriage, vehicle safety, multiple vehicle, accident-free, defensive driving course, and homeowner discounts applied. When these discounts are applied, theaverage amount saved on auto insurance for state employees is 28% or $609.
The benefits of price comparisons
Texas auto insurance rates are influenced by many factors which can significantly increase or decrease the policy price. Simply improving your credit, buying a different vehicle, or getting a ticket for running a stop sign can cause premium changes that can cause some rates to be more affordable than competitors. And not only may your rating factors change, but car insurance companies change their prices every year or even multiple times each year as an adjustment for underwriting gains or losses. An unexpected high level of claims may result in price increases, while long-term profits can cause cheaper Corpus Christi car insurance rates.
To help illustrate this point, the graph below demonstrates which company has the cheapest car insurance in Corpus Christi, TX for a 45-year-old female driver with a clear driving record, no claims, and solid credit. If we compare prices based on her personal risk profile, Travelers might offer the most affordable car insurance rates in Corpus Christi at $1,057 a year. This is $847 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the cheapest Corpus Christi, TX auto insurance companies.
Now let’s give the driver from the first set of rates a chargeable claim, poor credit, and a speeding ticket. Since each insurance company has their own guidelines for determining prices, analyzing rates could result in a new list of companies as shown below.
Mercury now has the best insurance rate in Corpus Christi, TX with USAA, State Farm, Nationwide, and Safe Auto completing the list. This illustrates why consumers need to shop around to get the cheapest insurance rates for state employees.
Car insurance prices consist of many risk factors and can change substantially, so the best option the last time you shopped around may now be one of the higher cost companies.
If you prefer to have some professional guidance when buying car insurance for state workers, the agencies below can help you determine which insurance coverage will be best for you. To locate an agency nearest to you, click the button below the list or click here to compare price quotes.
- Lancaster and Bay Insurance Agency
3124 S Alameda St – Corpus Christi, TX 78404 – (361) 853-0405 - Reed Insurance Agency
6500 S Padre Island Dr – Corpus Christi, TX 78412 – (361) 994-1886 - Ray Paiz – State Farm Insurance Agent
5425 S Padre Island Dr #122 – Corpus Christi, TX 78411 – (361) 993-3553
More insurance agents in Corpus Christi, TX
How to find more affordable auto insurance for state employees
It’s not impossible to find cheaper rates, and here are many penny-pinching ideas that can help Corpus Christi drivers get low-cost auto insurance.
- If possible, pay for small claims out-of-pocket
- Bundle home and auto and earn a discount
- Remain accident-free and save
- Lower rates by purchasing a safer vehicle
- Save money by obeying traffic laws and keeping a clean driving record
- Compare quotes from other companies often
That last piece of advice is notably crucial, as we stressed in this write-up. Insurance rates vary considerably, so don’t be afraid to buy a policy from a new company if a lower-cost policy is available. Having brand loyalty is commendable, but it’s not a great idea if that inflexibility results in costing you a considerable chunk of change every month. If you have a few minutes, compare prices to find cheaper car insurance for state employees in Corpus Christi.