A study showed that the vast majority of consumers have stayed with the same insurance company for at least the last four years, and approximately 38% of consumers have never compared rates to find cheaper insurance. Texas drivers could pocket nearly $1,800 a year just by shopping around, but they underestimate the large savings they would see if they moved their coverage to a different company.
Really, the only way to find low-cost prices for Nissan Juke insurance is to make a habit of comparing prices annually from providers that sell auto insurance in Corpus Christi. Prices can be compared by following these steps.
Step 1: Try to learn about individual coverages and the steps you can take to prevent expensive coverage. Many rating factors that drive up the price like traffic violations, accidents, and a substandard credit history can be remedied by making small lifestyle or driving habit changes.
Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like Progressive or Allstate, while independent agencies can quote rates for a wide range of companies.
Step 3: Compare the price quotes to the premium of your current policy to see if cheaper Juke coverage is available in Corpus Christi. If you find a lower rate quote and change companies, ensure coverage does not lapse between policies.
Step 4: Give proper notification to your current agent or company to cancel your current car insurance policy and submit a completed application and payment to your new insurance company. When you receive it, keep your new proof of insurance paperwork in your glove compartment.
One key aspect when comparing rates is to make sure you enter the same coverage limits and deductibles on each price quote and and to get rates from as many companies as you can. This enables a level playing field and a complete selection of prices.
Shopping for the cheapest protection in Corpus Christi is not as confusing as people think. If you have a current car insurance policy or just want cheaper coverage, take advantage of these tips to save money and possibly find even better coverage. You only need an understanding of the proper methods to shop for car insurance from many different companies.
Companies offering Nissan Juke insurance in Corpus Christi
The companies shown below offer price comparisons in Corpus Christi, TX. To find the cheapest car insurance in Corpus Christi, we suggest you get price quotes from several of them to get a more complete price comparison.
Lower your auto insurance rates with discounts
Car insurance can cost a lot, but you might be missing out on some discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you purchase, but a few must be specially asked for before you get the savings.
- Theft Deterrent – Anti-theft and alarm system equipped vehicles prevent vehicle theft and therefore earn up to a 10% discount.
- Driver Safety – Taking part in a course in defensive driver may get you a small discount and also improve your driving technique.
- Life Insurance – Larger companies have better prices if you take out some life insurance too.
- Discount for New Cars – Adding a new car to your policy can get you a discount since new model year vehicles are generally safer.
- Accident Forgiveness – This one isn’t a discount, but companies like GEICO, Progressive, and Allstate will forgive one accident without raising rates so long as you haven’t had any claims for a certain period of time.
- Student in College – Any of your kids who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
- Discount for Swiching Early – A few larger companies allow discounts for buying a policy prior to your current Juke insurance policy expiring. It’s a savings of about 10%.
- Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
- Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings of up to 25% or more.
Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.
A partial list of companies that may offer policyholders most of these discounts include:
When quoting, ask each company which discounts you may be entitled to. Some discounts might not be offered in Corpus Christi. If you would like to choose from a list of providers with significant discounts in Corpus Christi, follow this link.
Decisions You Make Can Impact Your Insurance Premiums
An important part of buying insurance is that you know some of the factors that help calculate the rates you pay for auto insurance. If you understand what controls the rates you pay, this enables you to make decisions that can earn you cheaper rates.
Lower rates by increasing comp and collision deductibles – Comprehensive and collision coverage deductibles state the amount of money you are willing to pay before your auto insurance pays a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims are rear-ending another vehicle, vandalism, or theft of your vehicle. The more expense you choose to pay out-of-pocket, the less your company will charge you for insurance.
Marriage is a good thing – Being married may cut your premiums on your auto insurance bill. Marriage may mean you are more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
Do safer cars cost less to insure? – Vehicles with high crash test scores tend to have lower insurance rates. These vehicles protect occupants better and any reduction in injury severity means less claims paid and more competitive rates for policyholders. If your Nissan Juke scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.
Multiple policies with one company can save – Many insurers provide discounts to policyholders that buy multiple policies such as combining an auto and homeowners policy. Even with this discount, it’s still a good idea to check prices from other companies to confirm you are receiving the best rates possible. You may still be able to save even more by splitting coverages up.
Do you really need the add-on coverages? – Policies have extra bells and whistles that sound like a good idea at the time but may not be useful. Add-on coverages like personal injury protection, high-cost glass coverage, and extra life insurance coverage are examples of these. These coverages may sound good when buying your policy, but if they’re wasting money remove them from your policy.
Is your vehicle theft-ready? – Choosing to buy a car that has a built-in theft deterrent system can save you a little every year. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms can help prevent your vehicle from being stolen.
Drive less and get lower rates – Driving more miles annually the more you’ll pay to insure it. A lot of insurance companies price each vehicle’s coverage based upon how much you drive. Autos not used for work or commuting cost less to insure than cars that get driven a lot. Double check that your vehicle rating shows the correct driver usage, because it can save money. Improper usage on your Juke can result in significantly higher rates.
Save money by having excellent credit – An insured’s credit history is a large factor in determining premium rates. People that have very good credit scores tend to be less risk to insure than drivers with lower credit ratings. So if your credit leaves room for improvement, you could be paying less to insure your Nissan Juke if you improve your credit rating.
Nissan Juke insurance loss probability – Insurance companies factor in insurance loss information to help calculate a profitable premium price. Vehicles that the statistics show to have increased claim numbers or amounts will have a higher cost to insure. The table below illustrates the historical insurance loss data for Nissan Juke vehicles.
For each insurance policy coverage type, the statistical loss for all vehicles, regardless of make or model, is equal to 100. Percentage numbers below 100 suggest a better than average loss history, while numbers above 100 indicate a higher chance of having a claim or statistically larger losses.
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Nissan Juke 2WD||101||104||77||111||134||113|
|Nissan Juke 4WD||107||112||75||120||115||105|
Statistics from IIHS.org for 2013-2015 Model Years
Comparing quotes from local Corpus Christi insurance agencies
Some people still like to buy from a licensed agent and that can be a smart move Agents can help you build your policy and help submit paperwork. A good thing about comparing insurance online is you may find cheap insurance rates and still have an agent to talk to. Putting coverage with neighborhood agents is important especially in Corpus Christi.
To help locate an agent, after submitting this quick form, your insurance data is sent to participating agents in Corpus Christi that can provide free Corpus Christi auto insurance quotes for your business. You won’t even need to leave your house because prices are sent immediately to your email address. If you have a need to get a price quote for a specific company, don’t hesitate to navigate to their website to submit a rate quote request.
Car insurance agents in Corpus Christi come in two varieties
If you are wanting to purchase insurance from a good insurance agency, it helps to know the two different agency structures and how they operate. Agents in Corpus Christi may be either independent agents or exclusive agents depending on their employer. Either one can provide insurance policies, but it’s worth learning how they are different since it could factor into buying decisions.
Independent Insurance Agents
Agents that choose to be independent can quote rates with many companies so they can quote policies with a variety of different insurance companies and help determine which has the cheapest rates. If you are not satisfied with one company, an independent agent can move your coverage which requires no work on your part. If you are trying to find cheaper rates, it’s recommended you include a couple of independent agencies so that you can do a thorough price comparison. Most can insure with mutual insurance companies which can save you money.
Below is a short list of independent agents in Corpus Christi that can give you cheap rate quotes.
- CMM INSURANCE AGENCY
5009 Kostoryz Rd – Corpus Christi, TX 78415 – (361) 654-0030 – View Map
- Mc Kenzie and Shell Insurance
4444 Corona Dr # 103 – Corpus Christi, TX 78411 – (361) 854-3046 – View Map
- Crawford Insurance
5262 S Staples St # 300 – Corpus Christi, TX 78411 – (361) 654-2788 – View Map
Exclusive Insurance Agencies
Agents of this type are contracted to one company such as Farmers Insurance, State Farm, or Allstate. They generally cannot provide rate quotes from other companies so always compare other rates. They receive a lot of sales training on their company’s products and that enables them to sell even at higher rates. Many people buy insurance from these agents partially due to the brand rather than having low rates.
Shown below are exclusive insurance agents in Corpus Christi who can help you get price quotes.
- Francisco Aguilar – State Farm Insurance Agent
5829 Weber Rd – Corpus Christi, TX 78413 – (361) 991-8242 – View Map
- Farmers Insurance – Ruben Bonilla
2727 Morgan Ave #300 – Corpus Christi, TX 78405 – (361) 881-1033 – View Map
- Jessica Kelly – State Farm Insurance Agent
5337 Yorktown Blvd #2b – Corpus Christi, TX 78413 – (361) 854-3225 – View Map
Choosing an insurance agency needs to be determined by more than just a low price. Get answers to these questions too.
- How experienced are they in personal risk management?
- How many companies do they write for?
- Do they offer claims assistance after hours?
- How often do they review coverages?
- Will you get a loaner vehicle if you car is being repaired?
- Is the agent and/or agency licensed to do business in Texas?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How much can you save by raising your physical damage deductibles?
Which auto insurance company is best in Texas?
Insuring your vehicle with the right car insurance company can be rather challenging considering how many different companies insure vehicles in Texas. The company rank data listed below may help you analyze which coverage providers you want to consider purchasing from.
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 Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Persistence will pay off
You just learned some good ideas how to reduce Nissan Juke insurance auto insurance rates online in Corpus Christi. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest auto insurance rates are with an unexpected company.
Some companies don’t offer rate quotes online and many times these smaller providers only sell coverage through independent agents. Cheaper Nissan Juke insurance in Corpus Christi is attainable both online as well as from independent agents in Corpus Christi, and you should be comparing both in order to have the best price selection to choose from.
People leave their current company for any number of reasons including poor customer service, delays in responding to claim requests, not issuing a premium refund and even lack of trust in their agent. It doesn’t matter what your reason, switching companies can be pretty painless.
Additional information can be found on the following sites:
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- Who Has the Cheapest Corpus Christi Auto Insurance Quotes for Government Employees? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Active Military in Corpus Christi? (FAQ)
- Understanding Limits and Deductibles (Allstate)
- Where can I buy Insurance? (Insurance Information Institute)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)