Deciphering which company has the best auto insurance rates for hybrid vehicles will take a bit more work than just quoting one company’s rates. Every insurance company has a different process to set their prices, so to begin we’ll rank the most budget-friendly auto insurance companies in Corpus Christi, TX.
It’s a good idea to know that Corpus Christi auto insurance rates are impacted by many things that will increase or decrease the price you have to pay for coverage. Simply having a birthday, having a claim, or getting into an accident can trigger price changes resulting in some rates now being cheaper in comparison to the competition.
Compare Cheap Insurance Quotes for Hybrids
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,247|
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Travelers may have some of the cheapest car insurance rates in Corpus Christi at around $1,021 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the more affordable Corpus Christi, TX insurance companies.
As illustrated above, if you have coverage with USAA and switched to Travelers, you could see a yearly price reduction of about $63. Insureds with Texas Farm Bureau may save as much as $226 a year, and Germania Mutual policyholders might see rate reductions of $261 a year.
Understand that those policy rates are averages for all insureds and vehicles and and are not calculated with an exact location for hybrid vehicles. So the auto insurance company that can offer you the lowest price may not even be in the top 23 companies in the list above. That helps illustrate why you need to get car insurance quotes using your own specific driver and vehicle information.
The vehicle model requiring insurance is a large consideration that determines whether or not you find cheaper car insurance for hybrid vehicles. Vehicles with high performance, a lack of advanced safety features, or a track record of large liability claims will cost more to insure than safer, lower-performance models. The next list estimates coverage costs for a selection of the more affordable vehicles to buy coverage for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V EX 4WD||$923|
|Hyundai Elantra SE Touring Station Wagon||$979|
|Honda Accord LX 4-Dr Sedan||$1,035|
|Ford Edge SE AWD||$1,048|
|Toyota Camry LE||$1,069|
|Chevrolet Malibu LT||$1,089|
|Ford Escape XLS 2WD||$1,106|
|Toyota Corolla XLE||$1,123|
|GMC Sierra SLT Extended Cab 2WD||$1,143|
|Nissan Rogue S AWD||$1,147|
|Kia Optima LX||$1,156|
|Ford Focus SES 2-Dr Coupe||$1,201|
|Toyota RAV4 4WD||$1,225|
|Nissan Altima 2.5 4-Dr Sedan||$1,232|
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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, multi-vehicle, homeowner, claim-free, and multi-policy. Price information does not factor in specific location which can alter prices noticeably.
Based upon the table data, we can assume that models like the Honda CR-V, Hyundai Elantra, Honda Accord, Ford Edge, and Toyota Camry are most likely going to be some of the most budget-friendly vehicles to insure for hybrids.
One of the many things that aid in calculating the cost of insurance is your zip code. Cities with larger populations will most likely pay more, whereas areas with less crime or weather claims have the benefit of cheaper car insurance.
The next table sorts the most costly cities in Texas for hybrid vehicles in which to buy car insurance. Corpus Christi shows up at #21 with a yearly premium of $1,588 for coverage, which is approximately $132 monthly.
|Rank||City||Premium Per Year|
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Price information shown is comparative as the specific area where the vehicle is garaged can affect premiums noticeably.
How accidents and tickets impact rates
The recommended way to receive cheap auto insurance premiums in Texas for hybrids is to drive carefully and not receive tickets or have accidents. The example below demonstrates how speeding tickets and at-fault collisions raise car insurance rates for different age categories. The costs are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are applied.
In the chart above, the average cost of car insurance in Texas per year with no violations or accidents is $2,181. Get written up for one speeding ticket and the average cost jumps to $2,456, an increase of $275 each year. Then add in one accident along with the one speeding ticket and the 12-month cost of auto insurance for hybrid vehicles jumps again to an average of $3,232. That’s an increase of $1,051, or $88 per month, just for being a careless driver!
Choosing a high-quality company is difficult considering how many different companies sell coverage in Texas. The ranking data listed below may help you choose which providers to look at to insure your vehicles.
These ratings are only made up of companies that write coverage in many states, so companies that have a smaller presence are not included in this list. To compare prices and find cheaper insurance for hybrid vehicles, click this link.
Top 10 Large Auto Insurers in Corpus Christi Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
The illustration below shows how different deductible levels can increase or decrease annual premium costs when quoting cheap insurance for hybrid vehicles. The prices are based on a single female driver, full coverage, and no discounts are applied.
A 30-year-old driver could lower their policy premium by $344 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $520 by changing to a $1,000 deductible. Youthful drivers, like the age 20 example, can cut $766 or even more by using a higher deductible.
When insureds make the decision to increase the deductibles on their policy, it is essential to have enough spare savings to satisfy the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.