Shockingly, the vast majority of consumers kept their policy with the same company for at least the last four years, and virtually 40% of consumers have never compared rate quotes at all. Texas drivers could save an average of as much as $1,766 each year, but they don’t believe the actual amount they would save if they changed companies.
The best way to get the cheapest car insurance rates is to start comparing prices yearly from different companies who sell insurance in Corpus Christi.
Step 1: Try to understand policy coverages and the factors you can control to prevent expensive coverage. Many risk factors that cause rate increases like inattentive driving and a negative credit history can be rectified by improving your driving habits or financial responsibility.
Step 2: Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like Progressive or Allstate, while agents who are independent can provide prices from many different companies.
Step 3: Compare the new rate quotes to your existing policy to see if you can save by switching companies. If you can save some money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Provide proper notification to your current company to cancel your existing policy and submit payment along with a signed and completed policy application to the newly selected company. When you receive it, safely store the certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.
One tip to remember is that you’ll want to make sure you compare the same coverage limits and deductibles on every quote and and to look at as many car insurance companies as possible. This helps ensure a fair price comparison and the best price quote selection.
Low cost Corpus Christi Chrysler 200 insurance quotes
Most of the larger companies allow consumers to get price estimates direct online. Doing online price comparisons for Chrysler 200 insurance in Corpus Christi is fairly straightforward as you just enter your personal and coverage information into a form. When complete, their rating system will obtain credit information and your driving record and returns a price based on these factors.
Quoting online for Chrysler 200 insurance in Corpus Christi makes it a lot easier to compare rates and it’s absolutely necessary to do this in order to find the lowest payment possible.
In order to find out if lower rates are available, compare rates from the companies below. If you have coverage now, it’s recommended you input your coverages identical to your current policy. This ensures you are getting a rate comparison for exact coverage.
The providers in the list below provide comparison quotes in Texas. If your goal is to find cheap auto insurance in TX, we recommend you visit several of them to get a more complete price comparison.
Lower Your Corpus Christi Insurance Costs
Lots of things are used in the calculation when quoting car insurance. Some are obvious like an MVR report, but others are not quite as obvious such as your marital status or your financial responsibility. Smart consumers have a good feel for the different types of things that help calculate your premiums. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that can help you get big savings.
- Cautious drivers pay the best rates – How you drive can have a huge impact on auto insurance premiums. Even one speeding ticket or other violation can increase rates substantially. Attentive drivers pay lower auto insurance prices than their less careful counterparts. Drivers with careless tickets like hit and run, DWI or reckless driving convictions may find that they have to to complete a SR-22 with their state DMV in order to legally drive.
- Teen vs. older drivers – Teen drivers in Texas are statistically shown to be more careless when driving with friends therefore car insurance rates are much higher. More experienced drivers are proven to be safer behind the wheel, cost insurance companies less in claims, and get fewer tickets.
- Getting married reduces risk – Walking down the aisle helps lower the price when buying car insurance. Having a significant other is viewed as being more mature it has been statistically shown that drivers who are married file infrequent claims.
- Better prices with anti-theft devices – Choosing to buy a car with a theft deterrent system can help lower your rates. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft and help bring rates down.
- Rates and occupation – Did you know your car insurance rates can be affected by your occupation? Occupations such as military personnel, airline pilots, and dentists have higher average rates due to job stress and long work hours. On the flip side, careers such as farmers, athletes and performers pay lower than average rates.
Chrysler 200 insurance loss probability – Insurance companies use past loss statistics for each vehicle as a way to help calculate a profitable premium price. Models that statistically have higher prevalence or dollar amount of losses will have higher premium rates. The table below outlines the insurance loss data for Chrysler 200 vehicles.
For each policy coverage, the statistical loss for all vehicles averaged together is a value of 100. Numbers that are below 100 indicate better than average losses, while numbers that are greater than 100 indicate a higher chance of having a claim or tendency to have higher losses.
Auto Insurance Loss Data for Chrysler 200 Models Specific Chrysler Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Chrysler 200 2WD 117 113 116 174 189 152 Chrysler 200 4WD 117 112 108 127BETTERAVERAGEWORSE
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Buying the right vehicle insurance in Texas is an important decision
Even though it’s not necessarily cheap to insure a Chrysler in Corpus Christi, insurance may be required and benefits you in several ways.
First, the majority of states have mandatory liability insurance requirements which means you are required to carry specific minimum amounts of liability protection in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your Chrysler 200, more than likely the lender will force you to carry insurance to guarantee payment of the loan. If you do not pay your insurance premiums, the bank may buy a policy for your Chrysler for a lot more money and make you pay the higher price.
Third, insurance protects your Chrysler 200 and your assets. It also can pay for medical expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, will also pay to defend you if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will cover the repair costs.
The benefits of buying enough insurance definitely exceed the price paid, particularly for liability claims. An average driver in America is overpaying more than $825 a year so it’s recommended you shop around every year to ensure rates are inline.
Ratings for Texas auto insurance companies
Insuring your vehicle with a good quality car insurance company can be a challenge considering how many different companies there are to choose from in Corpus Christi. The company rank data listed below can help you choose which companies to look at when shopping around.
Top 10 Corpus Christi Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 Corpus Christi Car Insurance Companies 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%