It’s safe to assume that car insurance companies don’t want customers comparing rates. Consumers who get price quotes annually will most likely switch insurance companies because there is a good probability of finding a lower-cost company. A recent survey discovered that drivers who compared rates once a year saved approximately $860 a year compared to people who never compared rates.
If finding the best price on insurance in Corpus Christi is why you’re reading this, then learning about how to get free comparison quotes and analyze insurance coverage can make shopping around easier.
If saving the most money is your goal, then the best way to find the cheapest price for car insurance rates is to start doing a yearly price comparison from insurers in Corpus Christi.
- Read about how your policy works and the changes you can make to prevent rate increases. Many factors that drive up the price such as traffic citations and a less-than-favorable credit rating can be eliminated by making lifestyle changes or driving safer.
- Request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like Progressive and State Farm, while agents who are independent can quote prices from multiple companies.
- Compare the new quotes to your existing rates to see if a cheaper rate is available. If you find a better price and decide to switch, ensure there is no coverage lapse between policies.
- Notify your current company of your decision to cancel your current policy and submit a signed application and payment to your new agent or company. Immediately put the proof of insurance paperwork with your registration paperwork.
An important note is to compare identical coverage information on each quote request and and to get price estimates from every insurance company. Doing this guarantees an accurate price comparison and a complete price analysis.
Car insurance providers offering low-cost price quotes in Texas
The companies shown below offer price quotes in Texas. If multiple companies are listed, we suggest you get price quotes from several of them to get the best price comparison.
Ford Ranger insurance rate analysis
The price information shown next covers detailed analysis of prices for Ford Ranger models. Understanding more about how rates are determined is important for you to make smart policy decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Ranger XL 2WD||$130||$290||$496||$30||$148||$1,094||$91|
|Ranger XL SuperCab 2WD||$152||$290||$496||$30||$148||$1,116||$93|
|Ranger XLT 2WD||$152||$290||$496||$30||$148||$1,116||$93|
|Ranger XL 2WD||$152||$290||$496||$30||$148||$1,116||$93|
|Ranger XL SuperCab 4WD||$152||$290||$496||$30||$148||$1,116||$93|
|Ranger XLT SuperCab 2WD||$152||$352||$496||$30||$148||$1,178||$98|
|Ranger Sport SuperCab 2WD||$152||$352||$496||$30||$148||$1,178||$98|
|Ranger Sport SuperCab 4WD||$152||$352||$496||$30||$148||$1,178||$98|
|Ranger XLT SuperCab 4WD||$152||$352||$496||$30||$148||$1,178||$98|
|Ranger Sport SuperCab 2WD||$152||$352||$496||$30||$148||$1,178||$98|
|Ranger XLT SuperCab 2WD||$152||$352||$496||$30||$148||$1,178||$98|
|Get Your Own Custom Quote Go|
Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Price estimates do not factor in zip code location which can raise or lower prices substantially.
Safe drivers Corpus Christi pay cheaper rates
The chart below demonstrates how speeding tickets and accident claims can drive up Ford Ranger insurance premiums for different age categories. The costs are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
Liability only or full coverage
The illustration below illustrates the comparison of Ford Ranger premium costs with and without physical damage coverage. The premium estimates are based on no claims or driving citations, $500 deductibles, drivers are single, and no discounts are applied.
When to drop full coverage
There is no set guideline that is best for determining when to drop full coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s say your Ford Ranger claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after paying your deductible. If you are paying over $200 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are a few situations where buying only liability insurance is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Car insurance discounts help lower rates for Ford Ranger insurance in Corpus Christi
Car insurance is not inexpensive, but there’s a good chance there are discounts that could help you make your next renewal payment. Many discounts should be triggered when you complete an application, but some discounts are required to be asked about prior to getting the savings.
- Early Switch Discount – Some car insurance companies reward drivers for switching policies before your current expiration date. It can save you around 10%.
- Discounts for Government Workers – Having worked for a branch of the government may qualify for a discount when you quote Corpus Christi car insurance with select insurance companies.
- More Vehicles More Savings – Buying a policy with several vehicles with the same car insurance company may reduce the rate for each vehicle.
- Multi-policy Discount – When you combine your home and auto insurance with one insurance company you could save at least 10% off all policies.
- Savings for New Vehicles – Putting insurance on a new Ranger may earn a small discount since newer models have better safety ratings.
- Passive Restraint Discount – Cars that have air bags may earn rate discounts of more than 20%.
- 55 and Retired – If you qualify as a senior citizen, you may be able to get a slight reduction on a Corpus Christi car insurance quote.
- Multi-line Discount – Larger companies have a small discount if you purchase a life policy as well.
- Waiver for an Accident – Not a discount per se, but a few companies such as GEICO and Liberty Mutual will allow you to have one accident before your rates go up if your claims history is clear prior to being involved in the accident.
As a footnote on discounts, some credits don’t apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. Just because you may think you would end up receiving a 100% discount, you aren’t that lucky.
The example below illustrates the difference between Ford Ranger premium costs with and without discounts applied to the rates. The premiums assume a male driver, a clean driving record, no claims, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, homeowner, marriage, and claim-free discounts applied.
Some companies that have most of the discounts above include:
When getting a coverage quote, ask all companies you are considering the best way to save money. Some discounts might not be offered in Corpus Christi. If you would like to view insurers that offer some of these discounts in Corpus Christi, click here to view.
Learn How to Lower Your Insurance Rates
The best way to find cheaper auto insurance is to take a look at some of the elements that help calculate auto insurance rates. When consumers understand what positively or negatively impacts your premiums, this helps enable you to make changes that may result in better auto insurance rates. Lots of things are used when premium rates are determined. Some factors are common sense like your driving record, but other criteria are not quite as obvious such as your marital status or your financial responsibility.
The list below includes most of the major factors used by companies to determine your prices.
Pay more of a claim out-of-pocket – Physical damage deductibles define the amount you are willing to pay if you file a covered claim. Physical damage coverage, also called comprehensive and collision insurance, covers damage that occurs to your car. Some examples of claims that would be covered would be a windshield broken by a bird, damage from fire, or theft of your vehicle. The more of the claim you pay before a claim is paid (deductible), the bigger discount you will receive.
Lower rates for cars with good safety ratings – Safe vehicles tend to have better insurance rates. These vehicles reduce injuries and lower injury rates means lower claim amounts which can result in lower premiums. If your Ford 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 it may cost less to insure.
Drive fewer miles and save – Driving a lot of miles in a year the higher your rates will be. A lot of companies charge rates based on how the vehicle is used. Autos left parked in the garage can get a lower rate than those that get driven frequently. It’s always a good idea to double check that your auto insurance policy states annual mileage. A policy that improperly rates your Ranger can cost quite a bit.
Policy add-ons could be costing you – There are quite a few add-on coverages that sound like a good idea at the time when buying auto insurance. Insurance for things like coverage for rental cars, towing coverage, and membership fees may not be needed and are just wasting money. You may think they are a good idea when you first buy your policy, but now you might not need them so consider taking them off your policy.
Low stress employer equals lower premiums – Did you know your occupation can influence how much you pay for auto insurance? Jobs such as lawyers, air traffic controllers, and stock brokers are shown to have higher premiums than the average policyholder due to high stress and lengthy work days. On the flip side, occupations like professors, students and retirees pay lower than average rates.
Never allow your coverage to lapse – Not having insurance is not a good idea and companies may charge more for letting your coverage lapse. Not only will you pay higher rates, the inability to provide proof of insurance will get you fines and jail time.
High performance vehicles cost more to insure – The performance level of the car or truck you need insurance for makes a big difference in how high your rates are. Lower cost passenger vehicles usually have the lowest rates, but your final cost has many other factors.
The following chart uses these assumptions: single female driver age 20, full coverage with $100 deductibles, and no discounts or violations. It shows Ford Ranger rates compared to other vehicles that have different performances.
Will just any policy work for me?
When quoting and comparing insurance from an agent or online, there really is not a perfect coverage plan. Your financial needs are unique and your policy should reflect that.
These are some specific questions could help you determine if your situation could use an agent’s help.
- If I use my vehicle for business use is it covered?
- Is my teenager covered with friends in the car?
- How high should my uninsured/underinsured coverage be in Texas?
- Do I need motorclub coverage?
- When should I drop full coverage on my Ford Ranger?
- Do I have newly-acquired coverage?
- How much coverage applies to personal belongings?
- What is the rate difference between pleasure use and commuting?
- Are my friends covered when driving my car?
- Is there coverage for injuries to my pets?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.
You may need advice from an insurance agency
Some people still like to sit down and talk to an agent and that is a personal choice. Professional insurance agents are highly skilled in risk management and help submit paperwork. One of the best bonuses of comparing insurance prices online is you may find the lowest rates but still work with a licensed agent.
To help locate an agent, after submitting this quick form, the quote information is submitted to companies in Corpus Christi that give free quotes for your insurance coverage. There is no need to find an agent because quoted prices will be sent to you directly. If you want to get a comparison quote from a specific company, don’t hesitate to visit that company’s website and submit a quote form there.
Choosing the best provider needs to be determined by more than just a cheap quote. Here are some questions you should ask.
- Will they give you a referral list?
- Is assistance available after office hours?
- If your car is in the repair shop, do you have coverage for a rental car?
- What insurance companies do they recommend if they are an independent agent?
- Is vehicle damage repaired with OEM or aftermarket parts?
If you are wanting to find a reliable insurance agent, it helps to know the two different agency structures and how they can quote your rates. Agents in Corpus Christi can be categorized as either independent or exclusive depending on the company they work for. Both types can insure your vehicles, but it’s worth mentioning why they differ since it can impact the selection process.
Exclusive Insurance Agencies
Agents that choose to be exclusive generally can only insure with one company like Allstate, State Farm and Farmers Insurance. These agents are not able to compare other company’s rates so you might not find the best rates. Exclusive agents are usually quite knowledgeable on their company’s products which helps them sell on service rather than price. Consumers frequently choose to use a exclusive agent mainly due to the brand name and strong financial ratings.
Shown below is a short list of exclusive insurance agencies in Corpus Christi that are able to give comparison quotes.
- Allstate Insurance: Donald Morrison
4535 S Padre Island Dr Ste 37 – Corpus Christi, TX 78411 – (361) 854-2383 – View Map
- Allstate Insurance: James Aleman
6262 Weber Rd Ste 112 – Corpus Christi, TX 78413 – (361) 806-2133 – View Map
- Ray Paiz – State Farm Insurance Agent
5425 S Padre Island Dr #122 – Corpus Christi, TX 78411 – (361) 993-3553 – View Map
Independent Agents (or Brokers)
Agents that choose to be independent are not locked into one company and that enables them to quote your coverage amongst many companies and get the cheapest rates. If premiums increase, an independent agent can move your coverage and the insured can keep the same agent.
If you are trying to find cheaper rates, you definitely need to get several quotes from at a minimum one independent agency to have the most options to choose from. Many write coverage with less well-known companies that many times have cheaper rates.
The following are Corpus Christi independent insurance agents that are able to give rate quotes.
- Binyon Insurance Agency, LLC
9922 Leopard St #202 – Corpus Christi, TX 78410 – (361) 241-3748 – View Map
- Moore Insurance Agency
500 N Water St #702 – Corpus Christi, TX 78401 – (361) 991-9000 – View Map
- IBC Insurance Agency
221 S Shoreline Blvd – Corpus Christi, TX 78401 – (361) 985-1900 – View Map
If you feel you receive good feedback to your questions as well as the cheapest Ford Ranger insurance in Corpus Christi quotes, it’s possible that you found an insurance agency that meets your needs to provide insurance coverage. Just be aware that you can always cancel your coverage at any point so don’t feel you are locked into any specific company with no way to switch.
You can lower your auto insurance rates
When getting Corpus Christi car insurance quotes online, you should never reduce coverage to reduce premium. In many cases, someone dropped liability coverage limits only to discover later they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage for the lowest price.
You just learned a lot of techniques to compare Ford Ranger insurance rates in Corpus Christi. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding affordable Ford Ranger insurance quotes. You may even find the lowest rates are with a lesser-known regional company. Regional companies may often insure only within specific states and give better rates than their larger competitors like State Farm or Progressive.