It’s astonishing, but almost 70% of insureds kept buying from the same company for well over three years, and just short of a majority have never compared quotes from other companies. Drivers in Corpus Christi could cut their rates by up to $1,800 a year just by shopping around, but they don’t want to take the time to find affordable insurance by shopping around.
Truthfully, the best way to find low-cost Hyundai Veloster insurance in Corpus Christi is to start comparing prices regularly from providers who sell auto insurance in Texas.
- Get a basic knowledge of how insurance works and the things you can change to prevent high rates. Many factors that drive up the price like traffic violations and an imperfect credit rating can be controlled by being financially responsible and driving safely. Continue reading for ideas to keep prices down and get discounts that may be overlooked.
- Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while independent agencies can give you price quotes from multiple insurance companies. View prices
- Compare the quotes to your existing rates and determine if there is any savings. If you find a lower rate and switch companies, ensure there is no coverage lapse between policies.
The most important part of shopping around is to compare identical deductibles and limits on each quote request and and to get price quotes from as many companies as feasibly possible. This guarantees an accurate price comparison and and a good selection of different prices.
Low Cost car insurance in Corpus Christi, TX
The companies shown below offer price quotes in Texas. If multiple companies are listed, we suggest you visit as many as you can to get the most competitive price.
Affordable Corpus Christi auto insurance rates with discounts
Some providers don’t always list their entire list of discounts in an easy-to-find place, so the below list has both the well known and the harder-to-find ways to save on auto insurance.
- Discounts for Multiple Vehicles – Having multiple vehicles on a single policy could earn a price break for each car.
- Paper-free Discount – A few insurance companies may give you up to $50 get Corpus Christi car insurance on the internet.
- Discount for New Cars – Buying a new car instead of a used Veloster may earn a small discount since new model year vehicles have better safety ratings.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents and earn discounts up to 10%.
- Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts may qualify for discounts of more than 20%.
- Government Employee Discount – Employees or retirees of the government may reduce rates when you quote Corpus Christi car insurance with select insurance companies.
- Distant Student Discount – Youth drivers living away from Corpus Christi attending college and won’t have access to an insured vehicle can be insured at a reduced rate.
You can save money using discounts, but some of the credits will not apply to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. Despite the appearance that all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts should help lower your policy premiums.
Companies who may offer some of the above discounts may include but are not limited to:
If you want cheaper Corpus Christi car insurance quotes, ask each company or agent which credits you are entitled to. All car insurance discounts might not apply in Corpus Christi. If you would like to view providers with discount rates in Texas, click this link.
Decisions You Make Can Impact Your Insurance Rates
Many different elements are part of the equation when you get a price on insurance. Some factors are common sense such as your driving record, but other criteria are less apparent like where you live or your financial responsibility. It’s important that you understand the factors that aid in calculating the price you pay for car insurance. If you have a feel for what determines base rates, this enables you to make decisions that can earn you lower car insurance prices.
Lower premiums for cars with good safety ratings – Safe vehicles are cheaper to insure. Safe vehicles protect occupants better and lower injury rates translates into savings for insurance companies and lower rates for you. If your Hyundai scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
Tickets inflate premiums – Whether or not you get tickets influences premium rates substantially. Drivers with clean records get better rates than people who have multiple driving citations. Only having one citation may cause rates to rise twenty percent or more. Drivers who have gotten dangerous violations like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
The type of vehicle makes a difference – The performance of the car or truck you are insuring makes a significant difference in the rate you pay. Smaller low performance passenger cars generally receive the lowest base rates, but your final cost has many other factors.
Poor credit rating equals high premiums – Credit score factor in determining your rates. Drivers with excellent credit scores tend to file fewer claims and have better driving records than drivers with lower ratings. So if your credit history can use some improvement, you may save money insuring your Hyundai Veloster by taking the time to improve your credit score.
Rates may be higher where you live – Living in a rural area is a positive aspect if you are looking for the lowest rates. Fewer people translates into fewer accident claims. People in densely populated areas tend to have more road rage incidents and longer commutes to work. More time on the road translates into higher accident risk.
See if your company offers a multi-policy discount – Most major companies afford better rates to buyers who buy several policies from them such as combining an auto and homeowners policy. The discount can be ten or even fifteen percent. Even if you’re getting this discount drivers will still want to comparison shop to guarantee you are still saving the most.
Is insurance cheaper for men or women? – Over time, data shows that females tend to be a little less risky than males. That doesn’t necessarily mean that females are better drivers. Females and males cause at-fault accidents in similar percentages, but men have costlier accidents. Men also get cited for more serious violations like reckless driving and DUI.
Hyundai Veloster claim probability – Insurance companies analyze the history of losses to help determine the rate you pay. Models that are shown to have high amounts or severity of claims will be charged more to insure. The next table shows the insurance loss data for Hyundai Veloster vehicles.
For each insurance policy coverage type, the claim probability for all vehicles, as a total average, is considered to be 100. Values under 100 suggest losses that are better than average, while numbers above 100 point to more losses or tendency to have higher losses.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Hyundai Veloster Turbo||116||87||104||98||89||101|
Statistics from IIHS.org for 2013-2015 Model Years
When to get professional advice
Keep in mind that when it comes to choosing coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different.
For example, these questions might help in determining whether you might need an agent’s assistance.
- Why is insurance for a teen driver so high in Corpus Christi?
- Is my state a no-fault state?
- Will I be non-renewed for getting a DUI or other conviction?
- Can I rent a car in Mexico?
- Do I need medical payments coverage since I have good health insurance?
- Is pet coverage available?
- Will filing a claim cost me more?
- Does my liability insurance cover pulling a trailer or camper?
- Does my policy cover my teen driver if they drive my company car?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, complete this form.
Auto insurance agents near you
A lot of people just prefer to talk to a local agent and that is recommended in a lot of cases One of the benefits of comparing rate quotes online is that you can find better rates and also buy local. And buying from local insurance agencies is especially important in Corpus Christi.
Upon completion of this quick form, your coverage information gets sent to insurance agents in Corpus Christi that can provide free Corpus Christi car insurance quotes for your insurance coverage. You don’t have to find an agent since rate quotes are delivered immediately to your email address. You can find lower rates AND an agent nearby. If you want to get a comparison quote from one company in particular, just visit that company’s website and fill out the quote form the provide.
When researching a reputable insurance agent or broker, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Corpus Christi can be classified as either independent or exclusive.
Independent Car Insurance Agencies
These agents are not locked into one company and that allows them to write policies with an assortment of companies enabling the ability to shop coverage around. If they find a lower price, they simply switch companies in-house which is easy for the insured. If you need cheaper car insurance rates, we recommend you check rates from independent agents to have the best price comparison.
Featured below are Corpus Christi independent agents who may be able to give you pricing information.
Joe Morales Insurance
5230 Kostoryz Rd # 18 – Corpus Christi, TX 78415 – (361) 852-4292 – View Map
Exclusive Insurance Agents
Agents of this type have only one company to place business with such as AAA, Allstate, and State Farm. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive agencies receive a lot of sales training on their company’s products which helps offset the inability to provide other markets.
Listed below is a list of exclusive agencies in Corpus Christi that can give you price quote information.
Finding the right car insurance agent requires you to look at more than just a cheap price quote. These are some questions you should get answers to.
- Who are their largest clients?
- Will one accident increase rates?
- Can they help ensure a fair claim settlement?
- Does the company allow you to choose your own collision repair facility?
- How experienced are they in personal risk management?
- If you raise deductibles, how much can you save?
- Where would glass claims be handled in Corpus Christi?
- What kind of financial rating does the company have?
Compare car insurance prices regularly to save
Consumers leave their current company for a number of reasons such as high rates after DUI convictions, high prices, unfair underwriting practices and policy non-renewal. Regardless of your reason for switching companies, switching car insurance companies can be easier than you think.
As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where someone dropped full coverage only to find out that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at the best price while not skimping on critical coverages.
We covered a lot of techniques to save on Hyundai Veloster insurance in Corpus Christi. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding the cheapest Hyundai Veloster rate quotes. You may even discover the lowest priced car insurance comes from the smaller companies.
Additional detailed information can be found in the articles below:
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Who Has Affordable Auto Insurance Quotes for Immigrants in Corpus Christi? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Subaru Forester in Corpus Christi? (FAQ)
- How Much are Car Insurance Rates for a Ford Escape in Corpus Christi? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Low Mileage Drivers in Corpus Christi? (FAQ)
- Coverage Information (Progressive Insurance)
- Vehicle Size and Weight FAQ (iihs.org)
- Older Driver Statistics (Insurance Information Institute)
- Choosing an Insurance Company (Insurance Information Institute)