The words “affordable” and “insurance” probably shouldn’t be used together, especially when you are shopping around for the best coverage prices for welfare recipients. Let’s lead off by showing you a few of the things that have an impact on car insurance rates, and figure out some ways to take a little off the next policy you buy.
Finding out which company offers the cheapest auto insurance rates for welfare recipients calls for a tad more effort in order to find the best price. Every insurance company used slightly different criteria for determining rates in each state, so we’ll go over the most budget-friendly auto insurance companies in Corpus Christi, TX.
It’s a good idea to be aware that Corpus Christi, TX auto insurance rates are calculated based on many things that control the cost of your policy. Simply having another birthday, having a teenage driver, or getting caught speeding can trigger rate changes resulting in some companies being more affordable than competitors.
Find Cheaper Auto Insurance in Texas
Travelers quotes some of the best car insurance rates in Corpus Christi at around $1,010 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the cheaper Corpus Christi, TX insurance companies.
In the above example, if you are currently insured with Germania Mutual and switched to USAA, you could realize an annual savings of roughly $172. Policyholders with Esurance might save as much as $337 a year, and California Casualty insureds might reduce prices by as much as $340 a year.
Remember that these premiums are averaged across all drivers and vehicles and and are not calculated with an exact location for welfare recipients. So the company that fits your needs best may not even be in the top 23 companies in the list above. That helps illustrate why you need to get car insurance quotes using your own driver and vehicle profiles.
The make and model of vehicle on the policy is one of the biggest factors when consumers are trying to find the lowest-priced car insurance for welfare recipients. Vehicles with reasonable performance levels, advanced safety features, or a track record of few liability claims will cost significantly less to insure than high performance models.
The information below estimates coverage rates for a handful of the most cost-effective automobiles to insure.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford F-150 XLT Regular Cab 4WD||$806|
|Dodge Grand Caravan CV||$814|
|Honda Accord LX 4-Dr Sedan||$816|
|Honda CR-V EX 2WD||$822|
|Ford Escape XLT 2WD||$820|
|Chevrolet Impala LS||$833|
|Toyota RAV4 Limited 4WD||$849|
|Chevrolet Malibu Hybrid||$854|
|Hyundai Elantra Blue 4-Dr Sedan||$877|
|Ford Edge Sport 2WD||$893|
|Chevrolet Equinox LTZ 2WD||$912|
|Nissan Rogue SL AWD||$956|
|Toyota Camry LE||$967|
|Jeep Grand Cherokee Laredo 2WD||$973|
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate quotes do not factor in zip code location which can alter coverage rates noticeably.
Based on these rates, we can expect cars like the Ford F-150, Dodge Grand Caravan, Honda Accord, Honda CR-V, and Ford Escape will be some of the most economical vehicles to insure for drivers on welfare.
One of the many factors that are looked at to determine car insurance rates is where you call home in Corpus Christi. Areas with more people or even just a higher incidence of claims tend to have more expensive auto insurance rates, whereas less populated areas have the luxury of cheap car insurance rates.
The next table shows the most expensive places in Texas for welfare recipients to buy auto insurance in. Corpus Christi makes the list at #18 with an annual cost of $1,636 for car insurance, which is approximately $136 each month.
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Rate quotes are estimated as the specific garaging location can alter price quotes substantially.
Types of discounts on Corpus Christi insurance
Insurance companies that provide policies for welfare recipients may also offer special discounts that could potentially reduce rates by as much as 35% or more if you meet specific criteria. A few popular companies and some of their more popular discounts are detailed below.
- Travelers offers premium reductions for multi-policy, hybrid/electric vehicle, good student, early quote, payment discounts, save driver, and continuous insurance.
- 21st Century has discounts for theft prevention, teen driver, student driver, air bags, early bird, driver training, and defensive driver.
- State Farm may offer discounts for multiple policy, good driver, multiple autos, Drive Safe & Save, and Steer Clear safe driver discount.
- GEICO has savings for federal employee, good student, multi-vehicle, emergency military deployment, defensive driver, air bags, and daytime running lights.
- SAFECO offers discounts for bundle discounts, multi-car, teen safety rewards, anti-theft, safe driver, and accident prevention training.
- AAA offers discounts including good student, multi-car, AAA membership discount, anti-theft, good driver, pay-in-full, and education and occupation.
The illustration below illustrates the comparison of annual premium costs with and without discounts applied to the policy premium. The rates are based on a male driver, no claims or driving citations, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with accident-free, safe-driver, multiple policy, multiple vehicle, anti-theft, and claim-free discounts applied. When these discounts are applied to the policy premium, the average savings per year on auto insurance for welfare recipients is 28% or $445.
Insuring your vehicle with a highly-rated insurance provider can be difficult considering how many companies provide coverage in Texas. The company rank data below can help you select which insurers you want to consider purchasing a policy from. The ratings below are for companies that insure vehicles across America, so smaller regional companies are not taken into consideration for these rankings.
Top 10 Major Auto Insurers Overall in Corpus Christi
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Why you are probably overpaying for car insurance
Corpus Christi auto insurance rates are impacted by many things which can substantially decrease or increase the policy premium. Getting older, having a teenage driver, or having a fender bender can produce rate changes that can cause some rates to be more affordable than the competition.
Additionally, auto insurance companies modify pricing at least once a year in order to remain profitable. Higher than usual claims may cause increased rates, while a profitable period may result in lower-priced Corpus Christi car insurance rates.
The bar chart below shows which companies have the cheapest car insurance in Corpus Christi, TX for a 30-year-old female driver with no accidents, a clean driving record, and a good credit rating. When quoting prices based on her personal profile, Travelers quotes the most affordable car insurance rates in Corpus Christi at $1,068 each year. This is $836 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remaining best Corpus Christi, TX auto insurance companies.
Now let’s give the driver in the first example an accident surcharge, bad credit, and a speeding citation. Since every insurance provider uses their own formula for setting prices, analyzing rate quotes may now present a new list of the cheapest car insurance companies in Corpus Christi as shown below.
USAA now has the lowest price in Corpus Christi, TX with State Farm, Mercury, Safe Auto, and Nationwide completing the list. This shows why consumers need to take the time to compare rates to find cheap insurance rates for welfare recipients.
Car insurance prices can be altered by many different factors and can change without notice, so the best company three years ago may now be wasting a lot of money.