You have surely seen all the catchy advertisements from companies like Farmers and The General that claim big savings. So drivers should just select the one with the best jingle, right?
Unfortunately, it’s not that simple as there are a whole slew of unknown elements such as whether you are female or male, your credit score, the safety features built into your vehicle, and what coverage limits you need, that all influence how much you pay for auto insurance. We know insurance is not everyone’s favorite topic, but in this article we will cover some of these topics and hopefully give you enough understanding to have a solid foundation to find cheaper car insurance in Texas.
The make and model of vehicle to be insured is one of the largest considerations when trying to find the lowest-priced insurance for a school permit. Vehicles with lots of speed or power, a lack of modern safety features, or a track record of large liability claims will cost substantially more to insure than more economical and safe models.
The list below features insurance prices for a selection of the most affordable vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $3,892 |
| Honda CR-V LX 2WD | $3,902 |
| Toyota Prius | $4,205 |
| Honda Odyssey LX | $4,342 |
| Ford Explorer XLT 2WD | $4,380 |
| Ford F-150 STX Super Cab 4WD | $4,416 |
| Volkswagen Jetta 2.0T Station Wagon | $4,443 |
| Chevrolet Impala LT | $4,619 |
| Toyota RAV4 Sport 2WD | $4,624 |
| Dodge Grand Caravan Hero | $4,619 |
| Toyota Tacoma Double Cab 4WD | $4,655 |
| Honda Civic LX 4-Dr Sedan | $4,820 |
| Toyota Camry XLE | $4,858 |
| Hyundai Elantra GLS 4-Dr Sedan | $4,866 |
| Ford Edge Sport AWD | $4,858 |
| Toyota Corolla S | $4,865 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $4,889 |
| Chevrolet Malibu LTZ | $4,893 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $4,902 |
| Chevrolet Equinox LTZ AWD | $4,893 |
| Find Cheaper Rates Go | |
Cost estimates assume single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in specific Corpus Christi, TX garaging location which can revise auto insurance rates substantially.
Looking at the data, we can presume that models like the Ford Escape, Honda CR-V, and Toyota Prius are likely to be a few of the most economical vehicles to insure for a learners permit. The cost of a car insurance policy will trend higher because of the fact that there is more exposure for a school permit, but overall those specific models will most likely have the lowest insurance rates compared to all other vehicles.
Finding cheap insurance is not the easiest thing to do, and finding out which companies have the most affordable insurance rates for a school permit calls for more quotes for comparison. Every auto insurer has a unique approach for determining rates, so let’s begin by examining the most affordable insurance companies in Corpus Christi.
It’s important to understand that Texas insurance rates are based on many factors that will increase or decrease the price you have to pay for coverage. Events like a birthday, increasing liability limits, or getting a DUI can cause premium changes that can make some companies cheaper in comparison to the competition.
Best Cheap Insurance Rates for Students
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,247 |
| 4 | Germania Mutual | $1,294 |
| 5 | California Casualty | $1,382 |
| 6 | Esurance | $1,421 |
| 7 | State Farm | $1,495 |
| 8 | Mercury | $1,506 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,585 |
| 11 | Allstate | $1,650 |
| 12 | Progressive | $1,664 |
| 13 | Amica | $1,723 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,568 |
| Compare Rates Now Go | ||
Travelers offers some of the best car insurance rates in Corpus Christi at around $1,041 annually. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also qualify as some of the most economical Corpus Christi, TX insurance companies.
In the above example, if you are a customer of Texas Farm Bureau and switched to Travelers, you might realize annual savings of approximately $206. Customers with Germania Mutual could save as much as $253 a year, and California Casualty insureds might see rate reductions of $341 a year.
Bear in mind that those premiums are averages across all insureds and vehicles and are not factoring in an exact zip code location for a school permit. So the auto insurance company that can offer you the best rate may not even be in the top 23 companies shown above. That affirms the importance of why you need to get quotes using your own specific driver and vehicle information.
Impact of careless driving on insurance rates
The common sense way to snag cheap insurance premiums for a learners permit is to drive carefully and avoid accidents and traffic citations. The illustration below highlights how speeding tickets and fender-benders drive up premium costs for each different age group. Data assumes a married female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.
In the prior example, the average cost of auto insurance per year with no accidents and a clean driving record is $2,242. Get two speeding tickets and the average cost surges to $3,202, an increase of $960 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of insurance for a school permit increases to an average of $4,187. That’s an increase of $1,945, or $162 per month, just for not driving attentively!
Discounts on Corpus Christi auto insurance
Insurers that provide policies for a school permit could also offer policy discounts that could potentially reduce rates by 25% or more if you meet the requirements. A list of insurance companies and some of their more popular discounts are included below.
- American Family may include discounts for multi-vehicle, TimeAway discount, bundled insurance, defensive driver, air bags, good driver, and Steer into Savings.
- Farm Bureau has savings for renewal discount, safe driver, 55 and retired, multi-policy, good student, youthful driver, and driver training.
- State Farm offers discounts for good driver, safe vehicle, defensive driving training, multiple autos, good student, and passive restraint.
- Travelers has discounts for IntelliDrive, driver training, student away at school, multi-car, hybrid/electric vehicle, and multi-policy.
- The Hartford offers premium reductions for vehicle fuel type, driver training, defensive driver, bundle, anti-theft, air bag, and good student.
- GEICO discounts include multi-policy, seat belt use, anti-lock brakes, daytime running lights, and federal employee.
- Progressive policyholders can earn discounts including online signing, online quote discount, good student, homeowner, and continuous coverage.
The example below illustrates the difference between insurance rates with and without policy discounts. The premiums assume a female driver, no accidents, no driving violations, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with paperless filing, passive restraint, anti-theft, continuous coverage, good student, and vehicle safety discounts applied. In this example, theaverage amount saved on insurance for a school permit is 28% or $732.
The example below illustrates how choosing a deductible can impact insurance rates when trying to find cheap insurance for a school permit. The prices are based on a single female driver, full coverage, and no other discounts are factored in.
The data above shows that a 40-year-old driver could reduce rates by $362 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $546 by choosing a $1,000 deductible. Even younger drivers, like the age 20 example, can save $920 each year just by choosing higher deductibles.
When raising deductibles, it’s a good idea to have enough spare savings to be able to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.
The agencies below are a good start to help you decide which coverage meets your needs best, as lots of drivers aren’t clear which coverage they need and would like to have some professional guidance when shopping around for cheaper insurance for a school permit. It can be complicated to find the best rates on your own, and a professional agent can give satisfaction knowing you have adequate protection in the event of a claim. To locate an agency using an interactive map, click the button at the bottom.
- Crawford Insurance
5262 S Staples St # 300 – Corpus Christi, TX 78411 – (361) 654-2788 - Allstate Insurance: Jill Reed
4411 S Alameda St a – Corpus Christi, TX 78412 – (361) 452-8055 - Binyon Insurance Agency, LLC
9922 Leopard St #202 – Corpus Christi, TX 78410 – (361) 241-3748 - IBC Insurance Agency
221 S Shoreline Blvd – Corpus Christi, TX 78401 – (361) 985-1900
View more Corpus Christi, TX insurance agents
Ideas to find the cheapest auto insurance for a school permit
Lowering your rates is not difficult, and here are some money-saving ideas that can help Corpus Christi drivers quote more affordable car insurance.
- Improve your credit score
- Try paying for small claims out-of-pocket
- Do not get tickets
- Safe vehicles generally have lower rates
- Avoid at-fault accidents and claims
- Compare rates often to find the best deal
That last tip is extremely significant, as we noted in this piece. Prices go up and down frequently, so you should be ready to buy from a different company if a lower-cost policy is available.
Staying with the same car insurance company is fine, but we do not recommend it if that devotion results in you overpaying a fortune every year. In just a couple of minutes you could compare prices to find cheaper auto insurance for a school permit in Corpus Christi.