The type of vehicle you are trying to insure is a large factor when comparison shopping for the best insurance for government employees. Vehicles with average performance, an excellent safety record, or a low likelihood of having liability claims will cost quite a bit less to insure than adrenaline junky models.
The list below features car insurance premiums for some of the most cost-effective vehicles to insure.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$849|
|Ford Escape Limited 2WD||$867|
|Jeep Wrangler Sport 4WD 2-Dr||$878|
|Chevrolet Impala LS||$986|
|Chevrolet Malibu LS||$1,004|
|Ford Explorer Limited AWD||$1,023|
|Dodge Grand Caravan Crew||$1,031|
|Kia Optima LX||$1,073|
|Toyota Tacoma 4WD||$1,077|
|Ford Edge SEL 2WD||$1,086|
|Honda Odyssey EX W/Rear Entertainment||$1,077|
|Toyota Camry LE||$1,098|
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Data assumes 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, homeowner, multi-policy, safe-driver, and claim-free. Price estimates do not factor in specific location which can influence premium rates substantially.
Based upon the rates shown, you can see that models like the Honda CR-V, Ford Escape, Jeep Wrangler, Chevrolet Impala, and Chevrolet Malibu are most likely to be a few of the most budget-friendly vehicles to insure for state and federal workers.
Buying low-cost car insurance is not always easy, and determining which company has the most affordable insurance rates for government employees will involve a little more work. Every insurance company has a proprietary formula for filing rates in each state, so we’ll go over the overall cheapest insurance companies in Texas.
It’s a good idea to know that Corpus Christi, TX insurance rates are influenced by many factors which can substantially change the policy price. Events like a birthday, becoming a homeowner, or getting a DUI can produce rate changes that can now make some companies more expensive than others.
Lowest Insurance Price Quotes in Texas
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,199|
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Travelers has some of the most affordable car insurance rates in Corpus Christi at around $1,052 a year. This is $852 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the best Corpus Christi, TX car insurance companies.
As the example above demonstrates, if you are currently insured with Texas Farm Bureau and switched to Travelers, you could earn a yearly savings of roughly $147. Insureds with Germania Mutual may save as much as $242 a year, and Esurance insureds might lower prices by $327 a year.
Remember that these policy rates are averaged for all types of insureds and vehicles and are not factoring in an exact zip code location for government employees. So the company that fits your age and vehicle best may not even be in the list above. That helps illustrate why you need to compare prices as often as possible using your own individual information.
One of the more important criteria that aid in calculating the amount you pay each year for auto insurance is where you keep your vehicle. Areas with more people or more claims tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the enjoyment of a little cheaper coverage.
The illustration below rates the highest-priced areas in Texas for government employees to purchase a policy in. Corpus Christi shows up at #21 with an annual cost of $1,572 for coverage, which is around $131 per month.
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Rate quotes are estimated as the garaging address in Corpus Christi can decrease or increase premium rates noticeably.
Discount Corpus Christi insurance rates
Insurance companies that offer quotes for government employees may provide discounts that could reduce prices by as much as 30% if you can meet the requirements. Large insurance companies and some of their more popular discounts include:
- Progressive may offer discounts for homeowner, multi-vehicle, continuous coverage, multi-policy, online signing, and online quote discount.
- GEICO may include discounts for multi-policy, seat belt use, membership and employees, good student, and military active duty.
- State Farm offers premium reductions for multiple autos, passive restraint, Steer Clear safe driver discount, driver’s education, accident-free, safe vehicle, and good driver.
- Esurance discounts include emergency road assistance, good driver, safety device, renters, claim free, multi-policy, and homeowner.
- The Hartford includes discounts for good student, air bag, bundle, defensive driver, and driver training.
The illustration below shows the comparison of insurance premiums with and without discounts applied. Data assumes a female driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, defensive driving course, passive restraint, vehicle safety, multiple vehicle, and marriage discounts applied. When discounts are factored in, theamount saved on insurance for government employees is 28% or $524.
Texas insurance companies ranked
Buying coverage from a high-quality car insurance company can be rather challenging considering how many choices there are in Corpus Christi. The company rank data displayed below can help you choose which car insurance providers to look at shopping your coverage with.
These ratings only include large, nationwide insurance companies, so smaller companies that only insure vehicles in Texas will not be included in the list. To compare prices from these and other companies in Texas, simply click here.
Top 10 Large Auto Insurance Providers Overall in Corpus Christi
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
The illustration below shows how choosing a deductible can impact insurance costs when searching for cheap insurance for government employees. The information is based on a single female driver, full physical damage coverage, and no discounts are applied.
In the chart above, a 50-year-old driver could lower their policy premium by $302 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $456 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could reduce their rates up to $766 each year by selecting a higher deductible.
If you make the decision to raise deductibles, it is important to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.