How to Save on Corpus Christi Dodge Dakota Insurance

Astonishing but true, 70% of consumers kept their policy with the same company for at least four years, and virtually 40% of consumers have never compared car insurance rates at all. Many consumers in Corpus Christi can save hundreds of dollars each year, but they just don’t understand the big savings they would realize if they switched.

Discount Dodge Dakota insuranceIf saving the most money is your goal, then the best way to find low-cost prices for auto insurance rates is to compare quotes annually from companies in Corpus Christi.

A tip to remember is to try to compare the same deductibles and limits on each price quote and and to get rates from as many car insurance companies as possible. Doing this enables a fair price comparison and a complete price analysis.

Finding a lower price on insurance can be surprisingly simple. You just have to take a couple of minutes comparing free Corpus Christi auto insurance quotes online from several insurance companies.

Getting free price quotes online is quite simple, and it takes the place of having to go to different agent offices. The fact that you can get quotes online makes this process obsolete unless you require the trained advice that you can only get from talking to an agent. Drivers can comparison shop your insurance online but buy from a local insurance agent.

The following companies are ready to provide quotes in Texas. To find cheap auto insurance in Corpus Christi, we suggest you click on several of them to get the most affordable price.

Rates and information analytics

The coverage table below showcases a range of insurance rates for Dodge Dakota models. Being aware of how insurance policy premiums are calculated can be of help when making decisions on the best policy to buy.

Dodge Dakota Insurance Rates in Corpus Christi, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Dakota ST Ext Cab 2WD $246 $610 $538 $32 $162 $1,588 $132
Dakota Bighorn Ext Cab 2WD $246 $610 $538 $32 $162 $1,588 $132
Dakota Lonestar Ext Cab 2WD $282 $610 $538 $32 $162 $1,624 $135
Dakota ST Crew Cab 2WD $282 $610 $538 $32 $162 $1,624 $135
Dakota Bighorn Crew Cab 2WD $282 $718 $538 $32 $162 $1,732 $144
Dakota Lonestar Crew Cab 2WD $282 $718 $538 $32 $162 $1,732 $144
Dakota Bighorn Ext Cab 4WD $318 $610 $430 $26 $128 $1,512 $126
Dakota ST Ext Cab 4WD $318 $610 $430 $26 $128 $1,512 $126
Dakota Laramie Crew Cab 2WD $318 $718 $538 $32 $162 $1,768 $147
Dakota ST Crew Cab 4WD $318 $610 $430 $26 $128 $1,512 $126
Dakota Lonestar Ext Cab 4WD $318 $610 $430 $26 $128 $1,512 $126
Dakota Bighorn Crew Cab 4WD $318 $610 $430 $26 $128 $1,512 $126
Dakota TRX Crew Cab 4WD $318 $718 $430 $26 $128 $1,620 $135
Dakota TRX Crew Cab 4WD $318 $718 $430 $26 $128 $1,620 $135
Dakota Lonestar Crew Cab 4WD $318 $718 $430 $26 $128 $1,620 $135
Dakota Laramie Crew Cab 4WD $354 $718 $430 $26 $128 $1,656 $138
Get Your Own Custom Quote Go

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rate information does not factor in Corpus Christi location which can alter premium rates noticeably.

The information below illustrates how your deductible choice and can influence Dodge Dakota insurance prices for different age groups of insureds. The price estimates are based on a single male driver, full physical damage coverage, and no discounts are factored in.

Three reasons insurance is important

Even though Corpus Christi Dakota insurance rates can get expensive, insurance may not be optional for several reasons.

The benefits of having insurance outweigh the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $700 annually so it’s very important to do a rate comparison at every policy renewal to ensure rates are competitive.

Smart Consumers Can Slash Their Insurance Rates

Multiple criteria are part of the calculation when premium rates are determined. Some are pretty understandable like an MVR report, although some other factors are more obscure like your continuous coverage or how financially stable you are.

Listed below are some of the major factors used by your company to calculate rates.

Discounts can help to save on Dodge Dakota insurance in Corpus Christi

Companies offering auto insurance do not list the entire discount list very clearly, so the next list breaks down a few of the more well known and also the more inconspicuous discounts that you can inquire about if you buy Corpus Christi auto insurance online. If you do not check that you are getting every discount you qualify for, you’re just leaving money on the table.Cheaper insurance with discounts

Discounts save money, but please remember that some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. Even though the math looks like having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will bring down the premium cost.

The example below illustrates the difference between Dodge Dakota insurance premiums with and without discounts applied to the premium. The data assumes a male driver, no accidents, no driving violations, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, multi-policy, marriage, and homeowner discounts applied.

A few companies that may offer these discounts are:

It’s a good idea to ask each company how many discounts you can get. Savings may not be available in Corpus Christi. To see companies that provide some of the discounts listed above in Corpus Christi, follow this link.

What insurance coverages do I need?

When it comes to choosing proper insurance coverage for your vehicles, there really isn’t a “best” method to buy coverage. You are unique.Safe vehicles cost less to insure

For instance, these questions may help you determine whether your personal situation could use an agent’s help.

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Local Corpus Christi car insurance agents and insurance

Some people just prefer to buy from a local agent and that is OK! Agents can help you choose the best coverages and will help you if you have claims. The biggest benefit of comparing insurance online is that you can find lower rates but still work with a licensed agent. Supporting local insurance agents is important especially in Corpus Christi.

Find insurance agent in Corpus ChristiAfter completing this short form, the coverage information gets sent to local insurance agents in Corpus Christi who will gladly provide quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to find an agent since rate quotes are delivered immediately to your email address. In the event you want to compare rates from a specific company, just find their quoting web page and submit a quote form there.

If you are wanting to purchase insurance from a local Corpus Christi insurance agency, it’s important to understand the different types of agents and how they work. Insurance agents in Corpus Christi are considered either independent or exclusive. Either one can do a good job, but it’s good to learn how they are different since it can impact buying decisions.

Independent Agencies or Brokers

Independent insurance agents are not employed by one company and that gives them the ability to insure with lots of companies and find the cheapest rate. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency. When comparing rates, we recommend you compare prices from several independent insurance agents to have the best price comparison.

Shown below is a small list of independent agents in Corpus Christi that may be able to give comparison quotes.

7122 S Staples StCorpus Christi, TX 78413(361) 991-1493View Map

14602 Compass St aCorpus Christi, TX 78418(361) 949-6787View Map

3124 S Alameda StCorpus Christi, TX 78404(361) 853-0405View Map

More insurance agents

Exclusive Insurance Agents

Exclusive insurance agents are contracted to one company like Allstate, State Farm and Farm Bureau. They are unable to provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies receive extensive training on the products they sell which helps them compete with independent agents.

Below is a short list of exclusive insurance agents in Corpus Christi that are able to give price quote information.

6210 Wooldridge Rd bCorpus Christi, TX 78414(361) 993-6787View Map

6262 Weber Rd Ste 112Corpus Christi, TX 78413(361) 806-2133View Map

5656 S Staples St #300Corpus Christi, TX 78411(361) 985-7488View Map

More insurance agents

Finding the right insurance agent should depend on more than just a cheap quote. Any agent in Corpus Christi should be forthright in answering these questions:

Corpus Christi auto insurance company ratings

Insuring your vehicle with the right company can be challenging considering how many different companies sell coverage in Corpus Christi. The company rank data shown next may help you pick which insurers to look at comparing rate quotes with.

Top 10 Corpus Christi Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Corpus Christi Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

Quote more to save more

Insureds switch companies for a number of reasons such as poor customer service, being labeled a high risk driver, high rates after DUI convictions and even high prices. Regardless of your reason, finding the right insurance provider can be easy and end up saving you some money.

Low-cost Dodge Dakota insurance in Corpus Christi is definitely available on the web and from local agencies, so you need to quote Corpus Christi auto insurance with both to have the best selection. Some companies may not have online price quotes and these small insurance companies sell through independent insurance agencies.

As you restructure your insurance plan, it’s not a good idea to reduce coverage to reduce premium. There are many occasions where drivers have reduced liability limits or collision coverage and discovered at claim time that they should have had better coverage. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Much more information about insurance in Texas can be found at these links: