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.

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.

Auto Insurance Rates for Popular Vehicles in Corpus Christi
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS AWD $1,062 $531 $89
Chevrolet Silverado LTZ Extended Cab 2WD $1,214 $607 $101
Dodge Grand Caravan CV $1,004 $502 $84
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,158 $579 $97
Ford Escape XLT 4WD $918 $459 $77
Ford F-150 Lariat King Ranch 4WD $1,158 $579 $97
Ford Focus SE 2-Dr Coupe $1,194 $597 $100
Honda Accord EX-L 2-Dr Coupe $1,214 $607 $101
Honda CR-V LX 4WD $898 $449 $75
Honda Civic LX 2-Dr Coupe $1,304 $652 $109
Jeep Wrangler Rubicon 4WD 2-Dr $1,004 $502 $84
Nissan Altima 2.5 4-Dr Sedan $1,062 $531 $89
Toyota Camry SE $1,118 $559 $93
Toyota Corolla S $1,118 $559 $93
Toyota RAV4 2WD $1,062 $531 $89
Get Rate Quotes for Your Vehicle Go

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.Save money with discounts

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:

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.

Insurance agency in Corpus ChristiTo 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.

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.

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.

Medical Payment Coverage Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Audi A4 Allroad Chevrolet Sonic
Chevrolet Silverado 2500 Chrysler 200
Chevrolet Corvette Hyundai Accent
Land Rover Range Rover Sport Nissan Sentra
Ford F-250 SuperCrew Nissan Versa
Chevrolet Silverado 3500 Mitsubishi Mirage

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Vehicle Models with the Lowest and Highest Comprehensive Coverage Claims
Lowest Claim Frequency Highest Claim Frequency
Infiniti QX50 BMW M6
Chevy Spark Porsche Panamera GTS
Nissan Leaf Mercedes-Benz S Class
GMC Sierra 2500 BMW M6
Nissan Xterra Audi S7
Volvo V60 Maserati Quattroporte

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Lowest and Highest Collision Insurance Claims by Vehicle
Lowest Claim Frequency Highest Claim Frequency
Mini Cooper BMW M6
Chevrolet Colorado Bently Continental GT
Nissan Xterra Bently Continental GTC
Ford F-250 SuperCab Bentley Continental Flying Spur
Smart ForTwo Maserati Granturismo
GMC Canyon Maserati Ghibli

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Vehicles with the Lowest and Highest Bodily Injury Liability Claims
Lowest Claim Frequency Highest Claim Frequency
Volvo XC60 Chrysler 200
Chevrolet Corvette Hyndai Accent
Acura MDX Mitsubishi Mirage
Subaru Outback Kia Optima
Audi A6 Kia Rio
Subaru Forester Mitsubishi Lancer

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

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: