A recent study showed that a large majority of auto insurance policyholders have bought auto insurance from the same company for well over three years, and practically 40% of auto insurance customers have never compared rates from other carriers. Consumers in Texas could save up to $1,800 a year by just comparing rate quotes, but they just assume it takes a lot of time to find lower-cost auto insurance rates.
The preferred way to find lower priced Hyundai Genesis insurance in Corpus Christi is to make a habit of regularly comparing prices from insurance carriers that insure vehicles in Texas.
- First, learn about how your policy works and the steps you can take to keep rates down. Many rating factors that cause rate increases such as speeding tickets, careless driving and a substandard credit history can be remedied by paying attention to minor details. Keep reading for information to help reduce prices and find available discounts that you may qualify for.
- Second, compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like GEICO and State Farm, while agents who are independent can provide rate quotes for a wide range of companies.
- Third, compare the new quotes to the price on your current policy to see if a cheaper rate is available. If you can save money and change companies, make sure coverage is continuous and does not lapse.
- Fourth, provide notification to your current agent or company to cancel your current policy and submit a completed policy application and payment for your new coverage. Once the paperwork is finalized, keep the new proof of insurance paperwork somewhere easily accessible.
One thing to point out is to use the same level of coverage on each price quote and to quote with as many companies as feasibly possible. Doing this guarantees a fair price comparison and the best price selection.
The following companies are ready to provide price quotes in Corpus Christi, TX. In order to find cheap auto insurance in Corpus Christi, we recommend you compare several of them to get the lowest price.
Rates and information analytics
The coverage information displayed below showcases different insurance costs for Hyundai Genesis models. Having insight into how auto insurance premiums are determined can be of help when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Genesis 2.0T 2-Dr Coupe | $318 | $788 | $500 | $30 | $150 | $1,786 | $149 |
| Genesis 3.8 4-Dr Sedan | $354 | $684 | $340 | $20 | $102 | $1,500 | $125 |
| Genesis 2.0T Premium 2-Dr Coupe | $354 | $788 | $500 | $30 | $150 | $1,822 | $152 |
| Genesis 3.8 2-Dr Coupe | $354 | $788 | $500 | $30 | $150 | $1,822 | $152 |
| Genesis 2.0T Track 2-Dr Coupe | $354 | $788 | $500 | $30 | $150 | $1,822 | $152 |
| Genesis 3.8 Grand Touring 2-Dr Coupe | $354 | $788 | $500 | $30 | $150 | $1,822 | $152 |
| Genesis 4.6 4-Dr Sedan | $354 | $788 | $340 | $20 | $102 | $1,604 | $134 |
| Genesis 3.8 Track 2-Dr Coupe | $354 | $890 | $500 | $30 | $150 | $1,924 | $160 |
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates considerably.
Physical damage deductibles: Should you raise them?
When shopping for insurance, a common question is the level to set your comp and collision deductibles. The following insurance rates outline how much more rates are when you buy lower versus higher physical damage coverage deductibles. The first rate table uses a $250 deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Genesis 2.0T 2-Dr Coupe | $332 | $672 | $476 | $28 | $142 | $1,675 | $140 |
| Genesis 3.8 4-Dr Sedan | $370 | $584 | $324 | $20 | $96 | $1,419 | $118 |
| Genesis 2.0T Premium 2-Dr Coupe | $370 | $672 | $476 | $28 | $142 | $1,713 | $143 |
| Genesis 3.8 2-Dr Coupe | $370 | $672 | $476 | $28 | $142 | $1,713 | $143 |
| Genesis 2.0T Track 2-Dr Coupe | $370 | $672 | $476 | $28 | $142 | $1,713 | $143 |
| Genesis 3.8 Grand Touring 2-Dr Coupe | $370 | $672 | $476 | $28 | $142 | $1,713 | $143 |
| Genesis 4.6 4-Dr Sedan | $370 | $672 | $324 | $20 | $96 | $1,507 | $126 |
| Genesis 3.8 Track 2-Dr Coupe | $370 | $762 | $476 | $28 | $142 | $1,803 | $150 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Genesis 2.0T 2-Dr Coupe | $270 | $542 | $476 | $28 | $142 | $1,458 | $122 |
| Genesis 3.8 4-Dr Sedan | $300 | $472 | $324 | $20 | $96 | $1,212 | $101 |
| Genesis 2.0T Premium 2-Dr Coupe | $300 | $542 | $476 | $28 | $142 | $1,488 | $124 |
| Genesis 3.8 2-Dr Coupe | $300 | $542 | $476 | $28 | $142 | $1,488 | $124 |
| Genesis 2.0T Track 2-Dr Coupe | $300 | $542 | $476 | $28 | $142 | $1,488 | $124 |
| Genesis 3.8 Grand Touring 2-Dr Coupe | $300 | $542 | $476 | $28 | $142 | $1,488 | $124 |
| Genesis 4.6 4-Dr Sedan | $300 | $542 | $324 | $20 | $96 | $1,282 | $107 |
| Genesis 3.8 Track 2-Dr Coupe | $300 | $614 | $476 | $28 | $142 | $1,560 | $130 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Information does not factor in vehicle location which can increase or decrease insurance rates substantially.
Based on this data, we can arrive at the conclusion that using a $250 deductible costs approximately $18 more each month or $216 annually across all Hyundai Genesis models than choosing the higher $500 deductible. Since you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 14 months between claims, you would save more money if you choose a higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $250 deductibles: | $138 |
| Average monthly premium for $500 deductibles (subtract): | – $120 |
| Monthly savings from raising deductible: | $18 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $18 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
One important issue to know is that higher deductibles results in more money out-of-pocket if you have a claim. You need some extra savings in order to pay the higher deductible.
Should you buy full coverage?
The example below shows the comparison of Hyundai Genesis insurance prices with full physical damage coverage compared to only buying liability only. The data assumes no tickets, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are applied to the premium.
When to drop comp and collision
There is no clear-cut formula to drop physical damage coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s say your Hyundai Genesis book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after you pay the deductible. If you are paying over $800 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where eliminating full coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not remove full coverage.
Cheaper Corpus Christi car insurance rates with discounts
Car insurance is expensive, but companies offer discounts to help bring down the price. Certain discounts will be triggered automatically at the time you complete a quote, but once in a while a discount must be specifically requested before they will apply. If you do not double check each discount you qualify for, it’s possible you qualify for a lower rate.
- Defensive Driver Discount – Completing a course in defensive driving can save you 5% or more if your company offers it.
- Professional Memberships – Being in specific professional or occupational memberships or organizations could trigger savings when getting a Corpus Christi auto insurance quote.
- Discounts for Government Workers – Active or former government employment may qualify for a discount when you quote Corpus Christi auto insurance with certain companies.
- Onboard Data Collection – Insureds that choose to allow companies to spy on driving manner by using a telematics device such as State Farm’s In-Drive might see lower rates if they have good driving habits.
- Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
- E-sign – Some insurance companies provide a small discount for buying your policy on your computer.
- Low Mileage Discounts – Low mileage vehicles can earn substantially lower prices.
- Accident-Free Discounts – Drivers with accident-free driving histories pay much less as opposed to drivers with a long claim history.
A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, companies wouldn’t make money that way.
The information below visualizes the comparison of Hyundai Genesis car insurance rates with and without discounts applied to the policy rates. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, claim-free, multi-car, and multi-policy discounts applied.
To choose companies with the best discounts in Texas, click here to view.
Why you need quality insurance for your Hyundai Genesis
Despite the high cost of buying insurance for a Hyundai Genesis in Corpus Christi, maintaining insurance is mandatory in Texas but it also protects more than you think.
- The majority of states have mandatory insurance requirements which means state laws require specific minimum amounts of liability if you don’t want to risk a ticket. 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.
- If you have a loan on your Hyundai, it’s most likely the lender will make it a condition of the loan that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank will be required to insure your Hyundai at a significantly higher premium and require you to fork over much more than you were paying before.
- Auto insurance protects not only your car but also your financial assets. It will also cover medical expenses that are the result of an accident. Liability coverage will also pay attorney fees if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your auto insurance policy will cover the damage repairs after a deductible is paid.
The benefits of having auto insurance definitely exceed the price paid, especially with large liability claims. The average driver in Texas is currently overpaying as much as $750 every year so compare rates every year to ensure rates are competitive.
Corpus Christi car insurance companies ranked
Selecting the right car insurance company is hard considering how many different companies insure vehicles in Texas. The information displayed below could help you pick which car insurance providers you want to consider when comparing rate quotes.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Can’t I get rate quotes from local Corpus Christi insurance agents?
Many drivers prefer to visit with an insurance agent. Good agents can help you choose the best coverages and help you file claims. A good thing about comparing insurance prices online is you can get lower rates and still have a local agent.
After filling out this simple form, your information is instantly submitted to companies in Corpus Christi that give free quotes for your insurance coverage. It’s much easier because you don’t need to find an agent on your own since rate quotes are delivered to you instantly. If you wish to get a comparison quote from one company in particular, you just need to search and find their rate quote page and submit a quote form there.
Picking the best company should include more criteria than just a cheap price. These are some valid questions you should ask.
- Do they prorate repair cost based on vehicle mileage?
- Who are their largest clients?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do you need full coverage on every vehicle?
- How much experience to they have in personal lines coverages?
- Are they full-time agents?
When searching for a good insurance agency, you must know there are a couple different agency structures and how they differ in how they quote coverages. Car insurance policy providers are either exclusive or independent (non-exclusive). Either can insure your vehicles properly, but it’s important to point out the difference in how they write coverage because it may have an impact on the selection process.
Exclusive Car Insurance Agents
Agents in the exclusive channel can only place business with one company such as American Family, State Farm, and AAA. Exclusive agents cannot provide rate quotes from other companies so keep that in mind. Exclusive agents are trained well in insurance sales which aids in selling service over price. Consumers sometimes use the same agent mainly due to loyalty to the company rather than having the cheapest rates.
Shown below is a list of exclusive insurance agents in Corpus Christi who can help you get price quote information.
- Allstate Insurance: Joshua D. Crow
5333 Yorktown Blvd e – Corpus Christi, TX 78413 – (361) 857-2688 – View Map - Gene McWhorter – State Farm Insurance Agent
14101 Northwest Blvd #103 – Corpus Christi, TX 78410 – (361) 767-0750 – View Map - State Farm: Curtis Rich
6646 S Staples St #130 – Corpus Christi, TX 78413 – (361) 992-1148 – View Map
Independent Car Insurance Agencies
Agents in the independent channel are not required to write business for one company so they have the ability to put coverage through many companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they can switch companies in-house and you can keep the same agent.
When comparing rate quotes, we recommend you include rate quotes from several independent insurance agents in order to compare the most rates. Most can insure with mutual insurance companies who may have lower rates.
The following is a list of independent agencies in Corpus Christi willing to provide price quote information.
- Mc Kenzie and Shell Insurance
4444 Corona Dr # 103 – Corpus Christi, TX 78411 – (361) 854-3046 – View Map - Borden Insurance
210 S Carancahua St Fl 4 – Corpus Christi, TX 78401 – (361) 882-6543 – View Map - Star Advantage Insurance Agency
15201 S Padre Island Dr – Corpus Christi, TX 78418 – (361) 949-0396 – View Map