Wouldn’t it be excellent if we could tell you instantly the one auto insurance company that has the cheapest rates for active military? It’s not that easy, however, as there are a whole bunch of unknown elements such as your credit history, if you are currently insured, and the number of miles you drive each year, that all impact the price you pay. This article covers these types of topics and also should give you a good start in finding the cheapest insurance in Corpus Christi.
One of the more important criteria that determine the amount you pay each year for auto insurance is where you live in Corpus Christi. More populated areas likely pay more, whereas areas that tend to be more rural have the enjoyment of a little cheaper coverage.
The illustration below lists the highest-priced areas in Texas for active military to purchase a policy in. Corpus Christi ranks #20 with a yearly premium of $1,588 for the average insurance policy, which is about $132 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Brownsville | $1,870 |
| 3 | Amarillo | $1,858 |
| 4 | Dallas | $1,855 |
| 5 | Houston | $1,853 |
| 6 | Laredo | $1,833 |
| 7 | Mesquite | $1,825 |
| 8 | Grand Prairie | $1,793 |
| 9 | Garland | $1,778 |
| 10 | Irving | $1,772 |
| 11 | Beaumont | $1,772 |
| 12 | Pasadena | $1,740 |
| 13 | San Antonio | $1,722 |
| 14 | Lubbock | $1,682 |
| 15 | Austin | $1,659 |
| 16 | Arlington | $1,642 |
| 17 | Fort Worth | $1,621 |
| 18 | Carrollton | $1,615 |
| 19 | Plano | $1,608 |
| 20 | Corpus Christi | $1,588 |
| 21 | El Paso | $1,584 |
| 22 | McKinney | $1,577 |
| 23 | Waco | $1,522 |
| 24 | Abilene | $1,499 |
| 25 | Killeen | $1,488 |
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Table data uses estimated as specific Corpus Christi garaging address can increase or decrease rates substantially.
The type of vehicle driven is probably the biggest factor when consumers are trying to find economical coverage for active military. Vehicles with reasonable performance levels, a plethora of safety features, or a positive history of liability claims will cost much less to insure than adrenaline junky models. The next list features auto insurance prices for a number of the cheapest automobiles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX-L 4-Dr Sedan | $979 |
| Ford Escape XLT 2WD | $1,035 |
| Jeep Grand Cherokee Laredo 4WD | $1,069 |
| Toyota RAV4 Sport 2WD | $1,075 |
| Honda Civic EX 4-Dr Sedan | $1,101 |
| Honda CR-V LX 4WD | $1,106 |
| Toyota Corolla S | $1,123 |
| Honda Odyssey EX-L | $1,129 |
| Kia Optima LX | $1,147 |
| Ford F-150 Lariat Crew Cab Platinum 4WD | $1,164 |
| Ford F-350 Super Cab Harley Edition 2WD | $1,183 |
| Toyota Camry LE | $1,224 |
| Chevrolet Equinox LS AWD | $1,230 |
| Toyota Prius | $1,229 |
| Dodge Ram 3500 Crew Cab SLT 2WD | $1,239 |
| Ford Explorer Eddie Bauer AWD | $1,246 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,267 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,287 |
| Ford F-250 XL Crew Cab 4WD | $1,289 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,300 |
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price information does not factor in specific garaging location which can influence price quotes significantly.
Based upon the rates shown, models like the Honda Accord, Ford Escape, and Jeep Grand Cherokee are most likely going to be some of the most economical vehicles to insure for military personnel.
Responsible drivers pay cheaper Corpus Christi auto insurance rates
The obvious way to snag the most affordable auto insurance premiums for military personnel is to drive cautiously and maintain a clean driving record. The example below demonstrates how citations and at-fault accidents can influence car insurance costs for different categories of driver ages. The rate quotes are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of a car insurance policy in Texas per year with no violations or accidents is $1,380. Add in two speeding tickets and the average cost rises to $1,955, an increase of $575 each year. Now add in one accident along with the two speeding tickets and the annual cost of auto insurance for active military increases to an average of $2,533. That’s an increase of $1,153, or $96 per month, just for not being attentive to the road!
Get discount Corpus Christi auto insurance
Insurance providers that provide coverage for active military may also offer discounts that may potentially lower prices by 40% or more if you can meet the requirements. Popular auto insurance companies and the discounts they provide are:
- State Farm has savings for safe vehicle, anti-theft, defensive driving training, student away at school, and accident-free.
- Nationwide has discounts for anti-theft, Farm Bureau membership, good student, multi-policy, easy pay, and defensive driving.
- GEICO may offer discounts for multi-policy, membership and employees, seat belt use, driver training, and good student.
- AAA may have discounts that include pay-in-full, multi-policy, AAA membership discount, good student, anti-theft, multi-car, and good driver.
- 21st Century offers premium reductions for good student, driver training, automatic seat belts, 55 and older, student driver, and early bird.
- The Hartford policyholders can earn discounts including bundle, driver training, anti-theft, air bag, defensive driver, and vehicle fuel type.
The diagram below illustrates the difference between insurance costs with and without discounts being applied to the rates. The data is based on a female driver, no violations or claims, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple vehicle, claim-free, defensive driving course, marriage, safe-driver, and accident-free discounts applied. When discounts are factored in, theaverage yearly reduction on auto insurance for active military is 28% or $782.
Why you are probably overpaying for car insurance
Texas auto insurance rates are calculated based on many things which can substantially decrease or increase your annual premium. Improving your credit score, getting married, or having a fender bender can cause premium changes resulting in some rates now being more affordable than others. Additionally, car insurance companies change their prices at least once a year in order to be able to pay unexpected claims. Significantly higher claims may cause increased policy costs, while a better loss history can produce more affordable Corpus Christi car insurance rates.
To help illustrate this point, the bar chart below shows rates for the cheapest car insurance in Corpus Christi, TX for a 45-year-old male driver with a clean driving record, no accidents, and a good credit history. If we look at prices based on his current rating profile, Travelers might offer the best car insurance rates in Corpus Christi at $1,133 a year. This is $771 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the remainder of the cheapest Corpus Christi, TX auto insurance companies.
In this example, we will give the driver from above a couple of claims, a lower credit score, and a traffic ticket or two. Due to the fact that every auto insurer has their own guidelines for establishing rates, comparing insurance quotes could now result in a substantially altered list of cheap Corpus Christi auto insurance companies as shown below.
Mercury now has the lowest car insurance rate in Corpus Christi, TX with USAA, State Farm, Nationwide, and Safe Auto also being competitive. This example demonstrates why consumers need to take the time to take the time to shop around when trying to find the lowest auto insurance quotes for active military. Prices consist of many different factors and can change substantially, so the cheapest rate a year ago may now be quite expensive.