Affordable Quotes on Corpus Christi Car Insurance

The recommended way to save money on auto insurance prices in Corpus Christi is to begin comparing prices regularly from insurers in Texas. Rate comparisons can be done by following these steps.

• Step 1: Read and learn about coverages and the changes you can make to keep rates low. Many risk factors that drive up the price like traffic citations and poor credit history can be amended by being financially responsible and driving safely. Keep reading for more information to get cheaper coverage and find overlooked discounts.
• Step 2: Compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO and Allstate, while agents who are independent can provide price quotes from multiple sources.
• Step 3: Compare the quotes to your existing rates to determine if you can save on insurance in Corpus Christi. If you find a lower rate quote and buy the policy, make sure coverage does not lapse between policies.
• Step 4: Provide notification to your current company of your decision to cancel your current car insurance policy. Submit payment along with a signed and completed policy application to your new insurance company. Be sure to safely store the certificate verifying coverage in a readily accessible location in your vehicle.

The most important part of this process is to use similar limits and deductibles on every quote request and and to get prices from as many different companies as possible. Doing this guarantees a level playing field and a thorough price selection.

It’s shocking but over 70% of consumers renewed their policy with the same company for over three years, and almost 40% of drivers have never compared auto insurance rates at all. Texas consumers could cut their rates by about $1,770 a year just by comparing rates, but they don’t understand how simple it is to do a rate comparison.

Car insurance quotes comparison

The companies in the list below are our best choices to provide price quotes in Corpus Christi, TX. If you wish to find cheaper car insurance in Corpus Christi, we suggest you visit two to three different companies in order to find the lowest rates.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Prices do not factor in your specific Corpus Christi location which can impact coverage rates substantially.

Get affordable rates on car insurance with these car insurance discounts

Some companies don’t always advertise all possible discounts very clearly, so the following list contains both the well known and also the lesser-known ways to save on car insurance.

• Driver’s Education for Students – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
• College Student Discount – Kids who are enrolled in a college that is more than 100 miles from Corpus Christi without a vehicle on campus could qualify for this discount.
• Anti-theft System – Cars optioned with advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
• Discounts for Cautious Drivers – Insureds without accidents can save up to 40% or more on their Corpus Christi car insurance quote compared to accident prone drivers.
• New Vehicle Savings – Insuring a new car can be considerably cheaper compared to insuring an older model.
• Organization Discounts – Participating in specific professional or occupational memberships or organizations could trigger savings when shopping for car insurance.
• Defensive Driving Course – Successfully completing a class that teaches safe driver techniques is a good idea and can lower rates and easily pay for the cost of the class.
• Onboard Data Collection – Insureds that choose to allow companies to look at driving manner by using a telematics device like Allstate’s Drivewise may see discounts if they exhibit good driving behavior.
• Early Switch Discount – Select insurance companies give a discount for renewing your policy before your current policy expires. It can save you around 10%.

While discounts sound great, it’s important to understand that most discount credits are not given to the entire cost. Most cut the cost of specific coverages such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way.

Some companies who might offer many of the previously listed discounts include:

• GEICO
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

When comparing rates, check with every insurance company to apply every possible discount. Savings may not apply in Corpus Christi. To see a list of companies who offer online car insurance quotes in Texas, click this link.

Insurance agent or online?

Some people would rather buy from a local agent and that is not a bad decision Insurance agents can help you build your policy and will help you if you have claims. One of the best bonuses of comparing rate quotes online is you may find cheaper prices and also buy local. Buying from local agencies is definitely important in Corpus Christi.

To find an agent, once you fill out this simple form, your insurance data gets sent to agents in your area who will return price quotes for your coverage. You never need to search for an agent because prices are sent to your email. If you wish to get a comparison quote from a specific insurance company, feel free to navigate to their website and fill out the quote form the provide.

Deciding on an company shouldn’t rely on just a cheap price quote. The questions below may impact your decision as well.

• If you raise deductibles, how much can you save?
• Do they specialize in personal lines auto insurance in Corpus Christi?
• Is the agent and/or agency licensed to do business in Texas?
• Who is covered by the car insurance policy?
• Do they get paid more for recommending certain coverages?
• If independent agents, which companies do they recommend?
• Do they see any coverage gaps in your plan?
• Can they give you a list of client referrals?

After getting positive responses to these questions and inexpensive Corpus Christi car insurance quotes, most likely you have located an provider that is reliable enough to service your policy.

Learn how to lower your car insurance costs

Smart consumers have a good feel for the different types of things that aid in calculating the price you pay for car insurance. When you understand what determines premiums, this enables informed choices that may reward you with much lower annual insurance costs.

The following are a few of the “ingredients” used by companies to determine your prices.

• Prevent theft and save – Buying a car with an alarm system can save you a little every year. Systems that thwart thieves like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
• Gender and car insurance – Over time, data shows that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Men and women are responsible for at-fault accidents at a similar rate, but guys have costlier accidents. Not only that, but men also have more aggressive citations such as reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive car insurance rates.
• Comp and collision deductibles are a factor – Comp and collision deductibles state the amount of money you are willing to pay if a covered claim is submitted. Insurance for physical damage to your car, aka comp and collision, insures against damage to your car. Examples of covered claims are a windshield broken by a bird, collision with a deer, and having a roll-over accident. The more damage repair cost you choose to pay out-of-pocket, the better rate you will receive.
• Fast cars cost more to insure – The performance of the vehicle you need to insure makes a big difference in your premium level. The lowest rates will normally be found when insuring the lowest performance passenger models, but other factors influence the final cost greatly.
• Rural vs Urban Areas – Having an address in smaller towns and rural areas of the country is a good thing when shopping for auto insurance. Residents of big cities have to deal with more road rage incidents and a longer drive to work. Fewer drivers on the road translates into fewer accident claims and also fewer theft and vandalism claims.
• High credit equals lower premiums – Your credit history factor in your rate calculation. Insureds that have high credit scores tend to file fewer claims as compared to drivers with lower ratings. If your credit rating leaves room for improvement, you could potentially save money when insuring your vehicle if you clean up your credit.
• Cheaper rates for being claim-free – Auto insurance companies in Texas provide the best rates to people who are claim-free. If you’re an insured who likes to file claims you can look forward to increased rates or even have your policy non-renewed. Insurance coverage is intended to be relied upon for more catastrophic claims.
• Liability insurance is important – The liability section of your policy provides coverage if you are found to be at fault for damages caused by your negligence. It provides legal defense to defend your case. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.

Protect your vehicle and other assets

Despite the high cost of buying insurance in Corpus Christi, car insurance is required for several reasons.

First, just about all states have mandatory liability insurance requirements which means state laws require a minimum amount of liability insurance coverage if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you took out a loan on your vehicle, almost every bank will make it a condition of the loan that you have full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender may have to buy a policy to insure your vehicle at an extremely high rate and require you to pay a much higher amount than you were paying before.

Third, car insurance protects both your assets and your vehicle. It will also cover many types of medical costs that are the result of an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are sued as the result of an accident. If you have damage to your vehicle as the result of the weather or an accident, your policy will pay to have it repaired.

The benefits of having insurance outweigh the cost, especially when you need to use it. On average, a vehicle owner in Corpus Christi is wasting up to $820 a year so it’s important to compare rates each time the policy renews to help ensure money is not being wasted.

Auto insurance claim information

Is your vehicle likely to have claims? The tables below show the highest and lowest vehicles for the probability of having large claims organized by coverage.

Quote more to save more

In this article, we presented a lot of ways to get a better price on auto insurance in Corpus Christi. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even discover the biggest savings come from some of the lesser-known companies. Smaller companies may often insure only within specific states and give better rates as compared to the big name companies such as Progressive or GEICO.

A few companies don’t offer the ability to get quotes online and most of the time these small insurance companies only sell coverage through independent insurance agents. The cheapest auto insurance in Corpus Christi can be sourced both online and also from your neighborhood Corpus Christi agents, so you should compare both to have the best rate selection.

More information is located at these links:

• Vehicle Insurance in the U.S. (Wikipedia)
• Who Has Affordable Auto Insurance Quotes for State Employees in Corpus Christi? (FAQ)
• How Much is Corpus Christi Car Insurance for Low Credit Scores? (FAQ)
• How Much are Auto Insurance Quotes for a Jeep Wrangler in Corpus Christi? (FAQ)
• What Auto Insurance is Cheapest for Inexperienced Drivers in Corpus Christi? (FAQ)
• What Auto Insurance is Cheapest for a 20 Year Old Female in Corpus Christi? (FAQ)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)
• Parking Tips to Reduce Door Dings (State Farm)
• Protecting Teens from Drunk Driving (Insurance Information Institute)
• Five Mistakes to Avoid (Insurance Information Institute)