The vehicle model on the policy is probably the most important factor when shopping around for economical car insurance for handicapped drivers. Vehicles with lower acceleration and performance, a plethora of safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than fast, unsafe models.
The next table showcases coverage costs for the most budget-friendly vehicles to insure in Texas.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford F-150 XL Crew Cab 2WD||$893|
|Honda Accord EX 4-Dr Sedan||$902|
|Ford Escape XLS 2WD||$904|
|Honda CR-V LX 2WD||$909|
|Honda Odyssey EX||$922|
|Toyota RAV4 4WD||$941|
|Ford Focus SEL 4-Dr Sedan||$970|
|Ford Edge SE 2WD||$988|
|Chevrolet Impala LTZ||$990|
|Chevrolet Silverado 2500HD LTZ Crew Cab 4WD||$1,007|
|Chevrolet Equinox LTZ AWD||$1,017|
|Jeep Wrangler Unlimited Sahara 4WD 4-Dr||$1,023|
|GMC Sierra 3500HD SLT Extended Cab 2WD||$1,027|
|Toyota Tacoma 2WD||$1,047|
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Price information does not factor in vehicle garaging location which can raise or lower rates greatly.
By looking at the data, you can presume that models like the Toyota Prius, Ford F-150, Honda Accord, Ford Escape, and Honda CR-V are most likely going to be some of the more affordable vehicles to insure for drivers with handicaps.
Deciphering which company offers the cheapest insurance rates for handicapped drivers requires a little more sweat in order to find coverage that fits your budget. Every auto insurer has their own formula for setting rates, so we’ll take a look at the insurance companies that tend to have lower prices in Corpus Christi, TX.
It’s important to understand that Corpus Christi, TX insurance rates are determined by lots of factors that will increase or decrease the cost of having a policy. Getting older, moving across town, or getting into an accident may cause policy rate changes resulting in some companies being more affordable than before.
Best Cheap Insurance Rates in Texas
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,199|
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Travelers generally has some of the most affordable car insurance rates in Corpus Christi at around $1,010 annually. This is $894 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 auto insurance companies.
As illustrated above, if you have coverage with Texas Farm Bureau and switched to Travelers, you could earn annual savings of roughly $189. Insureds with Germania Mutual could save as much as $284 a year, and Esurance customers might see rate reductions of $355 a year.
Understand that those policy prices are averaged across all ages of drivers and types of vehicles and are not factoring in a vehicle location for handicapped drivers. So the company that is best suited for you may not even be in the top 23 companies in the list above. That affirms the importance of why you need to get rate quotes using your own personal information and vehicle type.
One of the many components that are looked at to determine the amount you pay for auto insurance is where your residence is. More densely populated places tend to have higher auto insurance costs, whereas less populated areas benefit from lower rates.
The information below ranks the most costly cities in Texas for handicapped drivers to purchase car insurance in. Corpus Christi ranks #19 with an annual premium of $1,636 for the average insured, which is about $136 each month.
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Price information shown is estimated as the specific garaging location can alter coverage rates greatly.
Rate increases following a ticket or accident
The ideal way to maintain good insurance prices in Texas for drivers with handicaps is to be a cautious driver and avoid at-fault accidents and violations. The information below shows how violations and accidents increase auto insurance costs for each age group. The premiums assume a single male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.
In the previous chart, the average cost of auto insurance per year with no accidents and a clean driving record is $2,000. Get two speeding tickets and the average cost surges to $2,648, an increase of $648 each year. Then include two accidents along with the two speeding tickets and the annual cost of insurance for handicapped drivers goes up to an average of $5,041. That’s an increase of $3,042, or $253 per month, just for not driving safely!
Choosing the right auto insurance company is difficult considering how many companies sell coverage in Texas. The ranking information in the lists below may help you select which companies you want to consider comparing price quotes from. The rankings below only include insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure will not be included in this list.
Top 10 Major Car Insurance Companies in Corpus Christi Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Here’s why price comparisons are so important
Texas insurance rates are determined by lots of factors which can significantly increase or decrease the policy price. Improving your credit rating, buying a home, or getting caught speeding can cause premium changes that can now make some companies much cheaper than others.
Additionally, insurers modify rates at least once a year to help ensure profitability. A period of increased losses may result in increased rates, while lower claims can result in cheaper Corpus Christi car insurance rates.
The graph below shows rates for the cheapest car insurance in Corpus Christi, TX for a 40-year-old male driver with no accidents or violations, and good credit. If we estimate rates based on his current risk factors, Travelers has the most affordable car insurance rates in Corpus Christi at $1,145 per year. This is $759 less than the average policy premium 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 example a claim, less-than-perfect credit, and a traffic ticket or two. Since each company has their own process for establishing rates, analyzing rate quotes may now result in a substantially altered list of cheap Corpus Christi auto insurance companies as shown below.
Mercury now has the best car insurance rate in Corpus Christi, TX with State Farm, Nationwide, Safe Auto, and USAA also having competitive pricing. This example shows why consumers need to compare rates when trying to find the lowest car insurance quotes for handicapped drivers. Insurance prices consist of many risk factors and change dramatically, so the cheapest rate when you last compared rates may now be priced much higher than other options.
Tips to find cheaper car insurance for handicapped drivers
It is possible to find better rates, and here are some of the recommended thrifty suggestions that can help Texas drivers get cheap coverage.
- Clean up your credit rating
- Claim-free drivers earn discounts
- Multi-policy discounts save money
- Raise physical damage deductibles
- Don’t waste money on full coverage for older vehicles
- Vehicles with good safety ratings are usually cheaper to insure
- Shop your coverage around for the best deal
That last tip is extraordinarily crucial, as was emphasized in the prior article. Prices charged by companies fluctuate constantly, so don’t be tentative to switch companies if you find a cheaper price.
Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that dedication is costing lots of money. In less than five minutes you could compare prices to find cheaper insurance for handicapped drivers in Corpus Christi.
The Corpus Christi car insurance agencies listed below are willing to help you determine which auto insurance coverages would be the best in your situation, since many consumers aren’t sure which coverage to buy and prefer to have professional advice when buying car insurance for drivers with handicaps. It can be challenging to find the best coverage yourself, so a licensed agent can give comfort knowing you have sufficient protection if you have a claim.
To locate a Corpus Christi car insurance agency using an interactive map, click the button link following the list.
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