You have seen the catchy commercials from car insurance companies like The General and Nationwide that make promises of huge savings. So you just need to pick the company with the cutest commercial, right?
Unfortunately, it’s just not that easy, as there are a lot of unknown factors like the level of liability coverage you want, whether you are a man or a woman, your date of birth, and the deductible level you need, that all impact the cost of coverage. If you keep reading, we will teach you about the best ways to shop for cheaper coverage and should give you a good start in finding the cheapest insurance in Corpus Christi.
The vehicle model driven is one of the primary factors that determines whether or not you find cheaper car insurance for real estate agents. Vehicles with lots of speed or power, a lack of safety features, or a high likelihood of having liability claims will cost significantly more to insure than safer models.
The data below shows car insurance prices for a handful of the most affordable automobiles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$982|
|Dodge Grand Caravan CV||$1,005|
|Ford Escape XLS 2WD||$1,014|
|Honda Accord EX 4-Dr Sedan||$1,024|
|Ford Edge SE AWD||$1,042|
|Volkswagen Jetta LE 4-Dr Sedan||$1,061|
|Chevrolet Equinox LT 2WD||$1,068|
|Ford Focus SES 4-Dr Sedan||$1,099|
|Honda Odyssey LX||$1,116|
|Nissan Rogue SL 2WD||$1,136|
|Ford F-150 Lariat Crew Cab Harley 4WD||$1,159|
|Toyota Tacoma Double Cab 4WD||$1,163|
|Chevrolet Impala LT||$1,170|
|Chevrolet Malibu LS||$1,163|
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Information does not factor in zip code location which can affect price quotes noticeably.
Based upon the rates shown, you can figure that models like the Honda CR-V, Toyota Prius, Dodge Grand Caravan, Ford Escape, and Honda Accord should be a few of the most budget-friendly vehicles to insure for realtors.
One of the more important components that determine car insurance rates is where your residence is. Areas with more people or even just a higher incidence of claims tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.
The illustration below sorts the most expensive places in Texas for real estate agents to buy car insurance in. Corpus Christi comes in at #16 costing $1,636 for the average insured, which is around $136 per month.
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Table data uses approximated as the specific zip code location can affect premiums greatly.
Liability rates compared to full coverage
Paying less for car insurance is probably important to most vehicle owners, and one of the best ways to reduce the cost of insurance for real estate agents is to buy liability only. The example below shows the difference between insurance premiums when comparing full coverage to liability only. The prices are based on no claims, a clean driving record, $100 deductibles, single status, and no discounts are applied.
If we average all the age groups together, physical damage coverage costs $2,922 per year over and above liability only. That raises the question if it’s a good idea to buy full coverage. There is no definitive rule of when to exclude comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
Get discounts on Corpus Christi insurance rates
Insurance providers that sell policies for real estate agents may also give you special discounts that may potentially lower prices by as much as 35% or more if you qualify for them. A list of car insurance companies and a selection of discounts are:
- State Farm policyholders can earn discounts including multiple policy, multiple autos, good student, accident-free, and student away at school.
- Progressive discounts include continuous coverage, multi-policy, online quote discount, good student, multi-vehicle, and online signing.
- Travelers may have discounts that include multi-policy, save driver, multi-car, good student, IntelliDrive, home ownership, and hybrid/electric vehicle.
- American Family may include discounts for early bird, bundled insurance, multi-vehicle, good student, and good driver.
- Liberty Mutual may offer discounts for newly married, teen driver discount, hybrid vehicle, new move discount, new graduate, multi-car, and safety features.
The information below visualizes the comparison of insurance costs with and without discounts applied. Data assumes a female driver, no accidents, no driving violations, Texas state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with accident-free, multiple policy, claim-free, anti-theft, marriage, and vehicle safety discounts applied. When discounts are applied, theaverage yearly reduction on car insurance for real estate agents is 28% or $524.
The benefits of price comparisons
Corpus Christi, TX car insurance rates are based on many factors that will increase or decrease the policy price. Simply improving your credit, moving across town, or getting a reckless driving citation can produce rate changes that may make certain companies affordable when they were higher priced.
In addition to those changes, auto insurance companies change premium rates every year to adjust for gains or losses. Higher than usual claims may result in more expensive prices, while a lower level of claims may result in more affordable Corpus Christi car insurance rates.
To help illustrate this point, the bar chart below compares the cheapest car insurance in Corpus Christi, TX for a 30-year-old female driver with no accidents, a clean driving record, and a good credit rating. If we compare prices based on her current rating profile, Travelers has the cheapest car insurance rates in Corpus Christi at $1,078 per year. This is $826 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remainder of the cheapest Corpus Christi, TX auto insurance companies.
The next chart shows rates after we give the driver from above a chargeable claim, a little lower credit rating, and a traffic ticket or two. Since each insurance company uses a different method for determining rates in each state, comparing rates may result in a significantly different list of affordable Corpus Christi car insurance companies as shown below.
State Farm now has the lowest car insurance rate in Corpus Christi, TX with Mercury, Nationwide, Safe Auto, and USAA also being competitive. This example illustrates why consumers need to take the time to shop around to get the best auto insurance quotes for real estate agents. Insurance prices can be determined by many different factors and can change substantially, so the cheapest company two years ago may now be costing you a lot of money.
How to find the cheapest insurance for real estate agents
The list below summarizes some of the recommended penny-pinching suggestions that can help you locate cheap coverage.
- If possible, do not file small claims
- Raise deductibles
- Save money by observing traffic laws and speed limits
- Drivers with good credit ratings often pay less
- Bundle home and auto and save
- Having at-fault accidents will increase rates
- Compare rates regularly to ensure the best deal
The final tip is particularly valuable, as was affirmed in the prior information. Car insurance rates fluctuate constantly, so don’t be hesitant to buy from a different company if you find a better deal. Having a favorite company is fine, but it’s not a good idea if that loyalty results in overpaying thousands of dollars over several years. Spend a few minutes and compare prices to find cheaper auto insurance for real estate agents in Corpus Christi.
The insurance agencies listed below can aid you in deciding which insurance coverage you need, as lots of drivers aren’t clear which coverage they need and would like to get some help when shopping for the best coverage for real estate agents. It can be complicated to find the cheapest rate yourself, and professional agents can provide satisfaction knowing your policy gives you adequate protection in the event of a claim.
To find an agent in your neighborhood, click the button below the list or click here to compare rates now.
Farmers Insurance – Dennis Trevino
6410 Weber Rd #11d – Corpus Christi, TX 78413 – (361) 814-0123
Allstate Insurance: Jesse Trevino
4721 Bonner Dr Ste 101 – Corpus Christi, TX 78411 – (361) 986-1000
Farmers Insurance – Jack Alspaugh
5922 Yorktown Blvd, Bldg 2, Corpus Christi 78414 – Bldg 2, TX 78414 – (361) 232-4717
Farmers Insurance – Richard Peetz
3038 S Alameda St – Corpus Christi, TX 78404 – (361) 887-7801
Sam Watson – State Farm Insurance Agent
4818 Shopping Way A – Corpus Christi, TX 78411 – (361) 852-6600