The words “low-cost” and “auto insurance” really shouldn’t be used in the same sentence, specifically when looking for the lowest insurance rates for infrequent drivers. Because of the high cost, let’s start the ball rolling by going over some of the factors the can have a considerable influence on car insurance rates, and come up with some ideas to lower the cost of your next policy.
The type of vehicle you are buying coverage for is one of the primary factors when comparison shopping for the cheapest insurance for infrequent drivers. Vehicles with limited speed and performance, good crash test ratings, or a low likelihood of liability claims will cost much less to insure than high performance models.
The table below features auto insurance premiums for a selection of the most affordable automobiles to insure in Texas.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$864|
|Ford Escape XLT 2WD||$870|
|Honda CR-V LX 4WD||$864|
|Honda Accord LX 4-Dr Sedan||$948|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$950|
|Toyota RAV4 4WD||$1,025|
|Dodge Grand Caravan Crew||$1,044|
|Ford Edge SE 2WD||$1,075|
|Toyota Tacoma X-Runner 2WD||$1,080|
|Chevrolet Equinox LS 2WD||$1,122|
|Chevrolet Malibu Hybrid||$1,132|
|Chevrolet Impala LT||$1,122|
|GMC Sierra SL Extended Cab 2WD||$1,130|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,136|
|Ford Explorer Eddie Bauer 4WD||$1,143|
|Ford F-150 Lariat Crew Cab 2WD||$1,180|
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price information does not factor in zip code location which can influence auto insurance rates considerably.
Looking at the numbers, you can figure that models like the Hyundai Elantra, Ford Escape, and Honda CR-V are most likely to be some of the most economical vehicles to insure for low mileage drivers.
Buying cost effective auto insurance is not most people’s favorite thing to do, and determining which companies have the cheapest auto insurance rates for infrequent drivers may require even more rate comparisons. Every insurance provider has a different formula for determining prices, so let’s begin by taking a look at the auto insurance companies with the overall cheapest rates in Texas.
We do need to point out that Corpus Christi, TX auto insurance rates are impacted by many things which can significantly increase or decrease the policy premium. This is why consumers need to take the time to shop around when trying to find the best insurance rates for infrequent drivers. Insurance prices are impacted by many factors and can increase or decrease at any time, so the cheapest company a year ago may now be quite expensive.
Best Insurance Companies in Texas
Travelers may offer some of the lowest car insurance rates in Corpus Christi at around $1,010 each year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also are some of the lowest-priced Corpus Christi, TX auto insurance companies.
As shown in the table above, if you are insured with Germania Mutual and switched to USAA, you might realize a yearly price reduction of roughly $154. Insureds with California Casualty might save as much as $254 a year, and Esurance customers might reduce rates by $293 a year.
To find the cheapest rates for your vehicle, click here or click several companies below for low rates.
These estimates are averaged across all drivers and vehicles in Texas and and are not figured with an exact vehicle garaging location for infrequent drivers. So the auto insurance company that is best for you may not even be in the top 23 companies shown above. That helps illustrate why you need to get car insurance quotes using your own driver and vehicle profiles.
Buying coverage from the best car insurance provider can be difficult considering how many companies are available to choose from in Corpus Christi. The company ratings displayed below may help you pick which car insurance companies you want to consider purchasing from. The ratings below include companies that insure vehicles nationwide, so companies with more of a regional focus are not taken into consideration for the list.
|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
Impact of citations and accidents on Corpus Christi insurance rates
The easiest method to earn cheap auto insurance premiums in Corpus Christi for low mileage drivers is to pay attention while driving and not have accidents or get tickets. The chart below demonstrates how speeding tickets and accident claims raise annual premium costs for different categories of driver ages. The data assumes a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
In the chart above, the average cost of an auto insurance policy in Corpus Christi per year with a clean driving record and no accidents is $1,513. Add in two speeding tickets and the average cost hikes up to $2,149, an increase of $637 each year. Now include one accident along with the two speeding tickets and the yearly cost of auto insurance for infrequent drivers increases to an average of $2,788. That’s an increase of $1,275, or $106 per month, just for not driving attentively!
The illustration below demonstrates how deductibles can affect insurance costs when searching for cheap insurance for infrequent drivers. The information is based on a married female driver, full coverage, and no discounts are taken into consideration.
The data above shows that a 40-year-old driver could reduce rates by $352 a year by changing from a $100 deductible up to a $500 deductible, or save $528 by choosing a $1,000 deductible. Younger drivers, like the age 20 example, could shave $870 every year just by choosing higher deductibles when buying full coverage.
If you do raise deductibles, it will be important to have additional funds squirreled away to be able to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.