Shopping around for affordable car insurance is hard enough, and deciding which companies offer the best insurance rates for high mileage drivers requires even more diligence. Each insurance company has a proprietary formula for determining rates in each state, so let’s take a look at the most competitive insurance companies in Texas.
It’s a good idea to be aware that Corpus Christi insurance rates are impacted by many factors which can substantially change the price of your policy. Simply having a birthday, buying a safer car, or getting a ticket for careless driving can trigger price changes resulting in some companies being higher-priced than the competition.
Find Cheaper Car Insurance in Texas
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,211|
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Travelers generally has some of the lowest car insurance rates in Corpus Christi at around $1,041 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the cut as some of the best Corpus Christi, TX car insurance companies.
In the above rates, if you buy coverage from Esurance and switched to USAA, you might realize an annual premium reduction of upwards of $290. Policyholders with California Casualty could save as much as $321 a year, and State Farm customers might lower prices by up to $333 a year.
To find cheaper insurance rates for your vehicle, click here to get a free quote or feel free to get quotes from the companies below.
Bear in mind that those rates are averaged across all ages of drivers and types of vehicles and and are not figured with an exact vehicle garaging location for high mileage drivers. So the auto insurance company that fits your situation best may not even be in the list above. That helps illustrate why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.
The vehicle you are trying to insure is one of the main factors when consumers are trying to find the lowest-priced auto insurance for high mileage drivers. Vehicles with high performance engines, poor passenger safety features, or a high likelihood of having liability claims will cost significantly more to insure than safer models. The information below estimates coverage prices for a selection of the cheapest automobiles to buy insurance for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$928|
|Ford Escape XLS 2WD||$957|
|Honda Accord LX 4-Dr Sedan||$963|
|Chevrolet Impala LT||$1,004|
|Toyota RAV4 Limited 4WD||$1,014|
|Ford Explorer XLT 2WD||$1,038|
|Hyundai Elantra Blue 4-Dr Sedan||$1,040|
|Ford Edge SEL 2WD||$1,077|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,082|
|GMC Sierra SLT Extended Cab 2WD||$1,077|
|Chevrolet Equinox LTZ 2WD||$1,083|
|Ford Focus S 4-Dr Sedan||$1,077|
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Premium amounts do not factor in garaging location in Corpus Christi, TX which can affect insurance rates noticeably.
Looking at the numbers, we can infer that cars like the Honda CR-V, Ford Escape, Honda Accord, and Chevrolet Impala are most likely going to be a few of the cheaper vehicles to insure for high mileage drivers.
For high mileage drivers, one of the big things that are looked at to determine the amount you pay for auto insurance is where you live in Corpus Christi. Areas with increased crime or more people likely pay more, whereas areas with less people or fewer weather incidents have the benefit of cheaper car insurance.
The illustration below rates the highest-priced areas in Texas for high mileage drivers to buy auto insurance in. Corpus Christi ranks #21 with the yearly price of $1,572 for car insurance, which is approximately $131 each month.
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Prices are comparative as specific Corpus Christi zip code can lower or raise price quotes considerably.
Difference between full coverage and liability only rates
Buying cheaper insurance should be important to most vehicle owners, and one way to buy cheaper insurance for high mileage drivers is to only buy liability insurance. The illustration below compares yearly insurance costs with and without full coverage. The prices are based on no violations or accidents, $100 deductibles, drivers are single, and no policy discounts are applied.
On average, physical damage coverage costs $2,922 per year over and above liability coverage. At some point, every insured wonders if buying full coverage is worth the money. There is no set rule of when to exclude physical damage coverage, but there is a general school of thought. If the annual cost of coverage is 10% or more of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
There are some situations where only buying liability is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Insuring your vehicle with the right insurer can be rather challenging considering how many companies sell coverage in Texas. The company ratings listed below may help you decide which insurers to look at when comparing auto insurance rates for high mileage drivers. The ratings below are only made up of companies that write coverage in many states, so companies that focus mainly on Texas business are not factored into the list.
Top 10 Large Auto Insurance Companies in Corpus Christi Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
The diagram below shows how different deductible levels can increase or decrease insurance costs when trying to find cheap insurance for high mileage drivers. The premiums are based on a married male driver, full physical damage coverage, and no discounts are factored in.
In the chart above, a 40-year-old driver could cut expenses by $264 a year by increasing from a $100 deductible to a $500 deductible, or save $402 by using a $1,000 deductible. Younger drivers, like the Age 20 category, could save up to $884 or even more by choosing a higher deductible. When insureds make the decision to increase the deductibles on their policy, it will be necessary to have plenty of money set aside to cover the extra out-of-pocket expense that is associated with using high deductibles.
If you aren’t sure which coverage you need and prefer to have a consultation when buying car insurance for high mileage drivers, the agencies below are willing to aid you in deciding which insurance coverage will be best for you.
To locate a Corpus Christi car insurance agency close to where you live, click the button link following the list or click here to compare price quotes.
- Alba Insurance Inc
5022 Holly Rd #108 – Corpus Christi, TX 78411 – (361) 854-6551
- Ray Paiz – State Farm Insurance Agent
5425 S Padre Island Dr #122 – Corpus Christi, TX 78411 – (361) 993-3553
- Farmers Insurance – Jack Alspaugh
5922 Yorktown Blvd, Bldg 2, Corpus Christi 78414 – Bldg 2, TX 78414 – (361) 232-4717
How to find low-cost auto insurance for high mileage drivers
Here are many penny-pinching ideas that can help Texas drivers buy more affordable auto insurance.
- Clean up your credit rating
- Buy your homeowners policy from the same company as your auto insurance
- Save money by observing traffic laws and speed limits
- Accident-free drivers may qualify for discounts
- Higher deductibles save money
- Try to not file small claims
- Shop around for cheaper prices often
The last item on the list is remarkably significant, as was discussed in the prior article. Prices charged by companies fluctuate constantly, so don’t be tentative to switch to a new company if you can save money.
Staying with the same company for years is fine, but it’s not recommended if your bullheadedness ends up costing you money that could be used for better things. In just a few minutes you could compare prices and find cheaper insurance for high mileage drivers in Corpus Christi.