The car, truck, or SUV that needs insurance is one of the main factors when quoting cheap coverage for veterans. Vehicles with high performance, poor safety ratings, or a track record of large liability claims will cost substantially more to insure than more modest models.
The table below outlines insurance costs for the most economical vehicles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$963|
|Ford Escape XLT 2WD||$995|
|Chevrolet Impala LS||$1,023|
|Toyota Tacoma 2WD||$1,028|
|Ford Edge Limited 2WD||$1,023|
|Toyota RAV4 Sport 2WD||$1,042|
|Honda Civic EX 4-Dr Sedan||$1,078|
|Hyundai Elantra Blue 4-Dr Sedan||$1,084|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,080|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,097|
|Ford F-150 XLT Super Cab 2WD||$1,118|
|Chevrolet Silverado 2500HD LTZ Crew Cab 4WD||$1,125|
|Volkswagen Jetta SEL 4-Dr Sedan||$1,118|
|Chevrolet Malibu Hybrid||$1,141|
|Honda Odyssey EX W/Rear Entertainment||$1,147|
|Dodge Grand Caravan Crew||$1,162|
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in vehicle location which can lower or raise price quotes noticeably.
Looking at the numbers, we can presume that cars like the Honda CR-V, Ford Escape, Chevrolet Impala, Toyota Tacoma, and Ford Edge are most likely to be some of the cheapest vehicles to insure for veterans.
Establishing which companies offer the best car insurance rates for veterans involves more work in order to find the best policy. Each auto insurer has a proprietary formula for determining rates in each state, so to begin we’ll rank the lowest cost car insurance companies in Texas.
It’s important that readers know that Corpus Christi car insurance rates are influenced by many factors that will increase or decrease the price you have to pay. Improving your credit score, filing a claim, or getting a few speeding tickets can trigger changes in premium resulting in some rates now being more affordable than competitors.
Best Auto Insurance Prices for Vets
Travelers offers some of the best car insurance rates in Corpus Christi at around $1,041 per year. This is $863 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the most economical Corpus Christi, TX insurance companies.
As depicted above, if you currently buy coverage from USAA and switched to Travelers, you may realize an annual savings of roughly $76. Drivers with Texas Farm Bureau could save as much as $158 a year, and Germania Mutual customers might see rate reductions of $215 a year.
It’s important to note that these policy rates are averaged for all types of insureds and vehicles and and are not calculated with a specific zip code for veterans. So the auto insurance company that can offer you the best rate may not even be in the top 23 companies in the list above. That helps illustrate why you need to get rate quotes from many companies using your own driver data and vehicle information.
One of the more important criteria that help determine the amount you pay each year for auto insurance is where you choose to live in Corpus Christi. Areas with high crime rates or more dense population are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.
The table below sorts the highest-priced areas in Texas for veterans to purchase auto insurance in. Corpus Christi comes in at #18 with a yearly cost of $1,636 on average, which is approximately $136 each month.
|Rank||City||Premium Per Year|
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Premium costs are estimated as the specific zip code location can revise rates significantly.
Choosing the top car insurance company can be a challenge considering how many companies are available to choose from in Texas. The company rank data displayed below may help you analyze which providers you want to consider when shopping insurance around for veterans.
The rankings below are only made up of companies that write coverage in many states, so companies that have a smaller presence are not included in this list. If you wish to compare rates from the most competitive companies in Texas, click this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Difference between full coverage and liability only rates
Paying a lower price for car insurance should be important to the majority of vehicle owners, and one of the quickest ways to buy cheap insurance for veterans is to only buy liability insurance. The example below shows the comparison of insurance costs with and without full coverage. The rate quotes are based on no driving violations, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are taken into consideration.
Averaged out for all age groups, physical damage insurance costs $2,181 per year more than just insuring for liability. That amount may make you wonder if buying full coverage is worth the expense. There is no exact formula of when to stop paying for comp and collision coverage, but there is a guideline you can consider. If the annual cost of coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your vehicle’s book value is $7,500 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,500 after you pay the deductible. If you are paying more than $650 annually for physical damage coverage, then you might consider buying liability only.
Shop around and save
Corpus Christi car insurance rates are determined by lots of factors which can substantially decrease or increase the cost of your policy. Improving your credit score, buying a different home, or getting into an accident can trigger rate changes that may make certain companies more affordable than the competition.
In addition, insurers change premium rates without warning in order to remain profitable. Unexpectedly high claims may result in rate hikes, while less frequent claims can produce cheaper Corpus Christi car insurance rates.
To help illustrate this point, the data below shows the companies that have the cheapest car insurance in Corpus Christi, TX for a 40-year-old male driver with a clear driving record, no claims, and good financial standing. If we look at prices based on his current rating profile, Travelers might offer the lowest car insurance rates in Corpus Christi at $1,078 per year. This is $826 less than the average policy premium paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and California Casualty are the rest of the cheapest Corpus Christi, TX auto insurance companies.
Let’s now give the driver from the first example a claim or two, a little lower credit rating, and a traffic citation. Since each company uses their own formula to establish rates, comparing quotes could result in a different list of cheap Corpus Christi auto insurance companies as shown below.
State Farm now has the cheapest auto insurance in Corpus Christi, TX with Mercury, USAA, Safe Auto, and Nationwide now being in the top five. This example illustrates why drivers need to shop around when trying to find the cheapest car insurance quotes for veterans.
Auto insurance prices are calculated by many risk factors and can change substantially, so the most affordable company the last time you shopped around may now be quite expensive.
If you prefer to have a consultation when comparing insurance rates for veterans, the insurance agencies below can most likely help you determine which auto insurance coverages would be the best in your situation. To locate an agency in your neighborhood, click the button following the list or click here to get price quotes now.
- Farmers Insurance – Dennis Trevino
6410 Weber Rd #11d – Corpus Christi, TX 78413 – (361) 814-0123
- Annaville Insurance
14602 Compass St a – Corpus Christi, TX 78418 – (361) 949-6787
- CMM INSURANCE AGENCY
5009 Kostoryz Rd – Corpus Christi, TX 78415 – (361) 654-0030
- Larry Watson – State Farm Insurance Agent
6210 Wooldridge Rd b – Corpus Christi, TX 78414 – (361) 993-6787
- Farmers Insurance – Jack Alspaugh
5922 Yorktown Blvd, Bldg 2, Corpus Christi 78414 – Bldg 2, TX 78414 – (361) 232-4717
How to find cheaper insurance for veterans
The list below details some of the better money-saving ideas that can help drivers quote more affordable coverage.
- Save money by obeying traffic laws and keeping a clean driving record
- Prevent price hikes by avoiding at-fault accidents
- Increase your credit rating
- Increase the comprehensive and collision deductibles on your policy
- Do not pay for full coverage if not needed
- Safer vehicles cost less to insure
- Compare rates once a year for cheaper prices
That last idea is particularly crucial, as was stressed in this write-up. Car insurance prices change constantly, so don’t be tentative to buy from a different company if a lower-cost policy is available. Having brand loyalty is commendable, but it’s not recommended if that loyalty ends up costing a lot of money every month. In just a few minutes you could shop around and find cheaper insurance for veterans in Corpus Christi.