It’s impossible to miss the catchy advertisements from car insurance companies like Farmers, Progressive, and The General that make claims of the cheapest rates, so drivers should just pick the one with the catchiest commercial, right?
It’s not quite that easy, unfortunately, as there are many unknowns such as any tickets or violations, how far you drive each year, the area where you live, and whether you are male or female, that all have an effect on the price. We will try to teach you about some of these factors and will hopefully give you a good start in finding the cheapest insurance.
Figuring out which companies offer the best auto insurance rates for postal workers may require a little more sweat in order to find the lowest price. Every auto insurer uses their own method for filing rates in each state, so let’s examine the lowest cost auto insurance companies in Texas.
It’s important to understand that Corpus Christi, TX auto insurance rates are based on many factors which can substantially change the policy price. Improving your credit rating, buying a home instead of renting, or getting into an accident can trigger rate changes resulting in some companies being cheaper than competitors.
Compare Cheap Insurance Quotes for USPS Employees
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,235|
|Get Personalized Rates Go|
Travelers may offer some of the best car insurance rates in Corpus Christi at around $1,010 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the cheaper Corpus Christi, TX car insurance companies.
As depicted above, if you are a customer of Germania Mutual and switched to Travelers, you could see a yearly price reduction of upwards of $284. Policyholders with Esurance could save as much as $355 a year, and California Casualty customers might realize rate reductions of up to $386 a year.
Bear in mind that those estimates are averaged across all insureds and vehicles and do not take into consideration a vehicle location for postal workers. So the auto insurance company that fits your age and vehicle best may not even be in the list above. That underscores the importance of why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
For postal employees, one of the big factors that are looked at to determine car insurance rates is your zip code in Corpus Christi. More populated areas tend to have more expensive auto insurance rates, whereas areas with less congestion receive better rates.
The illustration below ranks the highest-priced places in Texas for postal workers in which to purchase auto insurance. Corpus Christi ranks #20 with an annual cost of $1,588 for the average insured, which is about $132 monthly.
|Rank||City||Premium Per Year|
|Start a Quote Go|
Information shown are comparative as the specific zip code location can change price quotes considerably.
Choosing the right insurance company can be a challenge considering how many different companies insure vehicles in Texas. The company information below may help you pick which companies to look at when shopping your coverage around.
The rankings below are only made up of the largest companies in America, so companies that only write business in Texas or surrounding areas are not taken into consideration for the list. To get rate quotes from the insurers below and more, follow this link.
Top 10 Large Auto Insurance Companies in Corpus Christi Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Impact of citations and accidents on Corpus Christi insurance rates
In a perfect world, the best way to snag cheap auto insurance rates in Texas for postal employees is to drive safely and avoid traffic citations and accidents. The diagram below shows how speeding tickets and at-fault fender-benders influence insurance premiums for different insured age categories. The information is based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
In the previous chart, the average cost of a car insurance policy in Texas per year with no accidents and a clean driving record is $2,817. Get two speeding tickets and the average cost increases to $3,796, an increase of $979 each year. Now add in one accident along with the two speeding tickets and the 12-month cost of auto insurance for postal workers increases to an average of $4,786. That’s an increase of $1,969, or $164 per month, just for not driving carefully!
Your low-price policy may be costing you money
Texas auto insurance rates are influenced by many factors that can increase the price of coverage. Getting older, becoming a homeowner, or getting a ticket for careless driving may generate price changes resulting in some companies being more affordable than the competition.
In addition to those changes, auto insurance companies file new Texas auto insurance rates every year or even multiple times each year in order to offset underwriting gains or losses. Unexpectedly high claims may cause more expensive premiums, while long-term profits can result in more affordable Corpus Christi car insurance rates.
To illustrate this point, the chart below shows the company with the cheapest car insurance in Corpus Christi, TX for a 35-year-old male driver with no prior accidents, a clean driving record, and great credit. If we look at prices based on his current risk factors, Travelers quotes the best car insurance rates in Corpus Christi at $1,070 each year. This is $834 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also included in the top five cheapest Corpus Christi, TX auto insurance companies.
Now we will pretend the driver from the first rate comparison a claim or two, a lower credit rating, and a traffic citation. Since each insurance company has a different process for establishing rates, comparing quotes could result in a completely different list of companies as shown below.
Mercury now has the best price on car insurance in Corpus Christi with State Farm, Nationwide, Safe Auto, and USAA now being in the top five. This example demonstrates why Texas drivers need to do a thorough rate comparison when trying to get affordable insurance rates for postal workers. Insurance rates are determined by many factors and change frequently, so the lowest-price company the last time you shopped around may now be an over-priced policy.
How to find the cheapest insurance for postal workers
Here are some of the better thrifty solutions that can help Corpus Christi drivers get more affordable car insurance.
- Do not get into accidents
- Buy vehicles with five-star safety ratings
- Better credit rating means better rates
- Drop full coverage on older vehicles
- Raise comprehensive and collision coverage deductibles
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Compare prices frequently to find the best deal
That last tip is extraordinarily critical, as we emphasized in the article above. Car insurance prices fluctuate considerably, so drivers shouldn’t be resistant to buy from a new company if a more affordable price is available.
Loyalty to a specific company is fine, but it’s not a good idea if that devotion results in you overpaying a wad of cash every year. If you have a few minutes, compare prices to find cheaper auto insurance for postal workers in Corpus Christi.
If you aren’t sure which coverage to buy and prefer to have a professional recommendation when shopping for the best coverage for postal workers, the agencies below are a good start to help you decide which auto insurance policy fits you best. To locate an agency by location nearest to you, click the button at the bottom.
Star Advantage Insurance Agency
15201 S Padre Island Dr – Corpus Christi, TX 78418 – (361) 949-0396
State Farm: Curtis Rich
6646 S Staples St #130 – Corpus Christi, TX 78413 – (361) 992-1148
Allstate Insurance: James Aleman
6262 Weber Rd Ste 112 – Corpus Christi, TX 78413 – (361) 806-2133