One of the more important criteria that are looked at to help calculate car insurance rates is your zip code in Corpus Christi. Larger areas will most likely have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.
The illustration below ranks the priciest cities in Texas for good students to buy car insurance in. Corpus Christi is ranked at #22 with the yearly price of $1,588 on average, which is around $132 per month.
|Rank||City||Premium Per Year|
|Start a Quote Go|
Premium costs are comparative as the specific garaging location can lower or raise prices noticeably.
Comparing quotes for low-priced car insurance is difficult, and determining which companies offer the best insurance rates for good students will involve even more work. Each auto insurance company uses a different method for filing rates in each state, so let’s rank the insurance companies that tend to have lower prices in Corpus Christi.
It’s important to understand that Corpus Christi insurance rates are influenced by many factors that may substantially change the price of your policy. Turning one year older, having a teenage driver, or getting a DUI can trigger price changes that can make some companies higher-priced than before.
Find the Cheapest Auto Insurance for Students
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,199|
|View More Rates Go|
Travelers may offer some of the cheapest car insurance rates in Corpus Christi at around $1,021 annually. This is $883 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also make the list of some of the lowest-priced Corpus Christi, TX car insurance companies.
As shown in the table above, if you are currently insured with Germania Mutual and switched to USAA, you might achieve savings of roughly $161. Insureds with California Casualty may save as much as $301 a year, and Esurance customers might see rate reductions of $326 a year.
These prices are averaged across all ages of drivers and types of vehicles and and are not figured with an exact location for good students. So the company that fits your age and vehicle best may not even be in the top 23 companies in the list above. That emphasizes why you need to get auto insurance quotes using your own driver and vehicle profiles.
The car, truck, or SUV needing coverage is one of the largest factors when consumers are trying to find the best coverage for good students. Vehicles with high performance engines, a lack of advanced safety features, or an increased likelihood of liability claims will cost much more to insure than more modest models.
The list below outlines car insurance prices for the most affordable automobiles to buy coverage for.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$3,618|
|Honda Accord LX 4-Dr Sedan||$3,628|
|Honda CR-V LX 4WD||$3,618|
|Ford F-150 XL Regular Cab 2WD||$3,782|
|Ford Explorer Eddie Bauer 2WD||$4,058|
|Toyota Tacoma 4WD||$4,067|
|Volkswagen Jetta SE 2.5 Station Wagon||$4,166|
|Honda Odyssey EX||$4,256|
|Ford Focus S 4-Dr Sedan||$4,264|
|Chevrolet Impala LT||$4,294|
|Chevrolet Malibu LS||$4,299|
|Toyota RAV4 Sport 4WD||$4,294|
|Ford Fusion S 4-Dr Sedan||$4,299|
|Dodge Grand Caravan SXT||$4,333|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$4,448|
|Honda Civic LX-S 4-Dr Sedan||$4,491|
|Ford Edge Sport 2WD||$4,529|
|Hyundai Elantra SE 4-Dr Sedan||$4,534|
|Toyota Camry SE||$4,529|
|Find Cheaper Rates Go|
Data variables include single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific Corpus Christi, TX garaging location which can lower or raise coverage prices substantially.
Based upon the table data, you can figure that cars like the Ford Escape, Honda Accord, Honda CR-V, and Ford F-150 will definitely be the cheapest vehicles to insure for student drivers.
How to get discounts on Corpus Christi car insurance rates
Car insurance companies that offer coverage for good students may also provide rate discounts that can lower rates by as much as 30% if you meet specific eligibility requirements. The best insurance companies and a summarized list of policyholder discounts can be found below.
- State Farm has discounts for defensive driving training, Drive Safe & Save, driver’s education, safe vehicle, good driver, and multiple policy.
- GEICO policyholders can earn discounts including multi-policy, multi-vehicle, membership and employees, good student, five-year accident-free, and air bags.
- SAFECO may have discounts that include bundle discounts, teen safe driver, teen safety rewards, accident prevention training, and homeowner.
- Farmers Insurance offers premium reductions for electronic funds transfer, pay in full, alternative fuel, teen driver, and switch companies.
- AAA may offer discounts for multi-car, good driver, pay-in-full, multi-policy, and education and occupation.
- USAA offers discounts including military installation, multi-policy, multi-vehicle, new vehicle, driver training, and good student.
The example below shows the comparison of insurance prices with and without discounts being applied to the rates. The information is based on a male driver, no accidents or driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with vehicle safety, paperless filing, anti-theft, paid-in-full, continuous coverage, and good student discounts applied. When drivers take advantage of discounts, theaverage amount saved on insurance for good students is 28% or $638.
Tickets and at-fault accidents raise rates
The best way to snag low insurance prices for student drivers is to drive safely and avoid accidents and traffic violations. The example below illustrates how speeding tickets and at-fault fender-benders can affect insurance costs for different insured age categories. The rates are based on a married female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
In the previous chart, the average cost of auto insurance in Corpus Christi per year with no violations or accidents is $2,050. Get one speeding ticket and the average cost rises to $2,390, an increase of $340 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of insurance for good students jumps again to an average of $5,344. That’s an increase of $3,294, or $274 per month, just for not driving responsibly!
If you would rather get some professional advice when shopping for the best coverage for student drivers, the professional agents shown below can most likely answer your questions and help you decide which coverages and limits you need. To find a Corpus Christi insurance agent closest to you, click the button at the bottom of the list.
CMM INSURANCE AGENCY
5009 Kostoryz Rd – Corpus Christi, TX 78415 – (361) 654-0030
Joe Morales Insurance
5230 Kostoryz Rd # 18 – Corpus Christi, TX 78415 – (361) 852-4292
Allstate Insurance: Laura Harris
3837 S Padre Island Dr – Corpus Christi, TX 78415 – (361) 985-2875
How to find the cheapest auto insurance for good students
The list below details many thrifty suggestions that can help Texas drivers locate more affordable coverage.
- Maintaining good credit helps earn cheaper rates
- Drive vehicles with five-star safety ratings
- Drop full coverage on older vehicles
- Save money by insuring your home and auto with the same company
- Avoid accidents and claims
- Shop around for cheaper prices often
The last tip in the list is very crucial, as was discussed in this piece. Prices adjust frequently, so you should be ready to buy a policy from a new company if a lower-cost policy is available. Staying with the same company for years is fine, but is isn’t recommended if that dedication is costing a wad of cash every year. If you have a few minutes, shop around and find cheaper car insurance for good students in Corpus Christi.