Want to learn how to find lower-priced car insurance rates in Corpus Christi, TX? Corpus Christi buyers have lots of choices when searching for the lowest priced Tesla Model 3 insurance. They can either spend hours calling around to get rate comparisons or save time using the internet to get rate quotes.
There are both good and bad ways to buy car insurance so we’re going to tell you the proper way to compare rates for a Tesla and locate the lowest price either online or from Corpus Christi insurance agents.
Unbelievable but true according to a study most drivers in Texas kept their policy with the same company for four years or more, and nearly half have never quoted car insurance rates at all. Consumers in the United States could save as much as $860 every year by just shopping around, but they don’t invest the time required to shop their coverage around.
If you already have coverage or are shopping for new coverage, you can use this information to buy cheaper insurance and still have adequate protection. The purpose of this article is to tell you how to compare rates easily and how to save the most money. Comparison shoppers only have to learn the quickest way to compare rates online.
How to get free Tesla Model 3 insurance quotes online
The providers in the list below offer free quotes in Texas. If you wish to find the best auto insurance in Corpus Christi, TX, we suggest you visit several of them to get the cheapest price.
Three main reasons to buy car insurance
Despite the high cost of buying insurance for a Tesla Model 3 in Corpus Christi, buying car insurance serves several important purposes.
- Almost all states have mandatory liability insurance requirements which means the state requires specific minimum amounts of liability insurance coverage in order to be legal. 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 bought your Tesla with a loan, almost all lenders will stipulate that you have insurance to protect their interest in the vehicle. If you let the policy lapse, the bank may insure your Tesla at a more expensive rate and force you to pay for it.
- Insurance safeguards not only your vehicle but also your assets. It will also reimburse you for medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage also covers legal expenses if anyone sues you for causing an accident. If your Tesla gets damaged, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance greatly outweigh the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer overpays more than $700 annually so smart consumers compare quotes every year to help ensure money is not being wasted.
How You Can Control Tesla Model 3 Insurance Premiums
Smart consumers have a good feel for a few of the rating criteria that come into play when calculating auto insurance rates. When you know what positively or negatively controls the rates you pay, this empowers consumers to make smart changes that may reward you with big savings. Lots of things are part of the calculation when you get your auto insurance bill. Some are obvious like a motor vehicle report, but others are not quite as obvious such as your marital status or your commute time.
- High comp and collision deductibles equal low rates – Protection for physical damage, also called comprehensive and collision insurance, is used to repair damage to your Tesla. Some examples of covered claims are a broken side mirror, damage from fire, or theft. Physical damage deductibles are the amount of money you are required to spend out-of-pocket if a claim is determined to be covered. The more damage repair cost the insured is willing to pay, the less your company will charge you for insurance.
- Older drivers save more – Mature drivers have been proven to be more responsible, cost insurance companies less in claims, and receive fewer citations. Young drivers are statistically shown to be inattentive and easily distracted when driving so they pay higher auto insurance rates.
- Only buy coverage you need – Insurance policies have a lot of additional extra coverages that you can buy if you aren’t careful. Things like rental car coverage, accident forgiveness, and term life insurance may be costing you every month. They may seem good when talking to your agent, but if they’re wasting money think about removing them and cutting costs.
- Pay more if you have a long commute – Choosing to live in areas with lower population is a good thing when talking about auto insurance. People in densely populated areas have to deal with more aggressive driving styles and a longer drive to work. Lower population means fewer accidents and lower theft and vandalism rates.
- Don’t skimp on liability – A critical coverage on your policy, liability insurance will afford coverage in the event that you are responsible for personal injury or accident damage. Your liability coverage provides for a legal defense which can cost thousands of dollars. Liability is cheap compared to comp and collision, so buy as much as you can afford.
- High auto insurance claims frequency drives up rates – If you are a frequent claim filer, don’t be surprised to see increased rates or even have your policy non-renewed. Insurance companies in Texas provide most affordable rates to policyholders who file claims infrequently. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
Get affordable rates with discounts
Car insurance companies don’t necessarily list their entire list of discounts very clearly, so below is a list some of the best known and the harder-to-find discounts that you can inquire about if you buy Corpus Christi car insurance online.
- ABS and Traction Control Discounts – Cars that have anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
- Multi-line Discount – Select insurance companies reward you with better prices if you take out auto and life insurance together.
- Driver Education Discount – Require your teen driver to participate in a local driver’s education class if it’s offered in school.
- Claim Free – Insureds who avoid accidents and claims get the best insurance rates when compared to insureds who have frequent claims or accidents.
- Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen less frequently and that can save you a little bit as well.
Don’t be surprised that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky. But any discount will help lower your policy premiums.
Some companies that may offer these discounts include:
It’s a good idea to ask each insurance company which discounts you may be entitled to. Some discounts may not apply to policyholders in your area. If you would like to see a list of insurers that offer discounts in Corpus Christi, click here.
Auto insurance is available from your local insurance agencies
A lot of people would rather talk to a local agent and there is nothing wrong with that. Most agents can help determine the best coverages and will help you if you have claims. The best thing about comparing insurance prices online is you may find better rates but also keep your business local. Putting coverage with local insurance agencies is important particularly in Corpus Christi.
Upon completion of this form (opens in new window), your coverage information is transmitted to local insurance agents in Corpus Christi that give free quotes for your auto insurance coverage. It’s much easier because you don’t need to do any legwork as quotes are delivered immediately to you. If for some reason you want to get a comparison quote for a specific company, you would need to search and find their rate quote page and submit a quote form there.
If you’re trying to find a local Corpus Christi insurance agency, you need to know there are two types of agencies that differ in how they can insure your vehicles. Auto insurance agents in Corpus Christi can either be exclusive agents or independent agents. Either one can sell auto insurance policies, but it’s worth learning the differences because it may have an impact on the kind of agent you use.
Independent Agencies or Brokers
Independent agencies are normally appointed by many insurers so as a result can place your coverage amongst many companies and get the cheapest rates. If prices rise, the business is moved internally which is easy for the insured. When comparison shopping, it’s a good idea to get insurance quotes from several independent agencies for the best price selection. Most also have access to smaller regional carriers who may have lower rates.
The following is a short list of independent agents in Corpus Christi that can possibly get you free price quotes.
- Crawford Insurance
5262 S Staples St # 300 – Corpus Christi, TX 78411 – (361) 654-2788 – View Map - IBC Insurance Agency
221 S Shoreline Blvd – Corpus Christi, TX 78401 – (361) 985-1900 – View Map - Keetch and Associates Insurance
1718 Santa Fe St – Corpus Christi, TX 78404 – (361) 883-3803 – View Map
Exclusive Agents
Exclusive agents normally can only provide a single company’s rates like State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to compare other company’s rates so you need to shop around if the rates are high. These agents are trained well on sales techniques and that can be a competitive advantage. Consumers often use the same agent mostly because of the prominent brand name and strong financial ratings.
Listed below are Corpus Christi exclusive agents willing to provide comparison quotes.
- GEICO Insurance Agent
6349 S Padre Island Dr – Corpus Christi, TX 78412 – (361) 992-4955 – View Map - Farmers Insurance – Ruben Bonilla
2727 Morgan Ave #300 – Corpus Christi, TX 78405 – (361) 881-1033 – View Map - Farmers Insurance – Richard Peetz
3038 S Alameda St – Corpus Christi, TX 78404 – (361) 887-7801 – View Map
Picking the best insurance agency requires you to look at more than just the bottom line cost. Here are some questions to ask:
- Which companies can they place coverage with?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Is every driver in your family covered?
- Which company do they place the most coverage with?
- What will you get paid if your car is a total loss? How is that amount determined?
In Summary
Lower-priced insurance in Corpus Christi is available online and with local Corpus Christi insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not provide online price quotes and many times these small, regional companies only sell through independent agents.
You just learned a lot of tips how to reduce Tesla Model 3 insurance premium rates online in Corpus Christi. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers could even find that the lowest priced insurance comes from an unexpected company.
As you restructure your insurance plan, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced full coverage only to regret at claim time that the small savings ended up costing them much more. The aim is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.
Steps to finding low-cost Tesla Model 3 insurance in Corpus Christi
The recommended way to get cheaper Tesla Model 3 insurance in Corpus Christi is to begin comparing prices regularly from insurers in Texas.
First, try to understand how your policy works and the steps you can take to lower rates. Many factors that are responsible for high rates like multiple speeding tickets and a not-so-good credit score can be rectified by improving your driving habits or financial responsibility.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or Farmers Insurance, while independent agents can provide prices from multiple insurance companies.
Third, compare the new rates to your existing coverage and determine if cheaper Model 3 coverage is available. If you can save money and buy the policy, ensure there is no coverage lapse between policies.
Fourth, notify your company or agent to cancel the current policy. Submit the signed application along with the required initial payment for your new coverage. Once received, place your new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.
One important bit of advice is that you’ll want to compare similar deductibles and liability limits on each price quote and and to get price estimates from as many different companies as possible. Doing this guarantees a level playing field and the best price selection.
Much more information about insurance in Texas is located at the links below
- Electronic Stability Control FAQ (iihs.org)
- What Car Insurance is Cheapest for a GMC Sierra in Corpus Christi? (FAQ)
- Who Has Affordable Auto Insurance Rates for College Students in Corpus Christi? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Nurses in Corpus Christi? (FAQ)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Understanding Rental Car Insurance (Insurance Information Institute)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Top Signs Your Brakes are Giving Out (State Farm)