Sick and tired of scraping the payment together to keep your car insured? You are in the same boat as the majority of other people in Texas.
It goes without saying that auto insurance companies don’t want you quoting rates from other companies. Drivers who do rate comparisons are highly likely to buy a new policy because they have good chances of finding a lower-priced company. A study discovered that drivers who routinely shopped around saved about $850 each year compared to other drivers who never compared prices.
If finding the lowest price on auto insurance in Corpus Christi is your ultimate goal, then learning about how to get price quotes and compare coverages can help make the process easier and more efficient.
People have so many car insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, too many choices makes it more difficult to locate the cheapest rates for Buick Verano insurance in Corpus Christi.
It’s important to compare rates at least once a year because prices change frequently. Even if you got the best quotes on Buick Verano insurance in Corpus Christi a year ago you can probably find a better rate now. Forget all the misinformation about insurance because you’re about to learn the easiest way to save on insurance.
When comparison shopping, there are several ways to compare rate quotes from many insurance companies in Texas. The quickest method to find competitive Buick Verano insurance rates is to get quotes online.
Doing price comparisons online is so simple that it takes the place of having to drive to all the different Corpus Christi insurance agencies. Comparing Buick Verano insurance rates online makes this unnecessary unless your situation requires the advice and guidance that you can only get from talking to an agent. Some companies do allow you to get prices online but buy from a local insurance agent.
It’s important to know that more quotes will improve the odds of getting a better price. Some smaller insurers do not give Corpus Christi Verano insurance quotes online, so you should also compare rates on coverage from those companies, too.
The providers in the list below are our best choices to provide free quotes in Corpus Christi, TX. If you want cheap auto insurance in TX, we suggest you click on several of them to get a more complete price comparison.
Three main reasons to buy car insurance
Despite the high cost of buying insurance for a Buick Verano in Corpus Christi, paying for car insurance is a good idea for several reasons.
First, the majority of states have mandatory insurance requirements which means the state requires specific minimum amounts of liability insurance in order to get the vehicle licensed. 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.
Second, if your vehicle has a loan, almost every bank will make it mandatory that you have physical damage coverage to guarantee loan repayment. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Buick at a significantly higher premium and force you to pay for the expensive policy.
Third, insurance safeguards not only your Buick but also your financial assets. Insurance will also pay for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability coverage will also pay to defend you if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance are definitely more than the cost, especially if you ever need it. But the average American driver overpays more than $800 each year so compare rate quotes every year to save money.
Learn How to Lower Your Insurance Costs
Many things are part of the calculation when you get your auto insurance bill. Some are pretty understandable like an MVR report, but other factors are more transparent such as your credit history or your commute time. A large part of saving on car insurance is knowing the different types of things that help calculate your premiums. When consumers understand what influences your rates, this allows you to make good choices that could help you find lower premium levels.
Shown below are some of the most common factors car insurance companies consider when setting your prices.
Obey driving laws and save – Even one chargeable violation could increase your next policy renewal by as much as thirty percent. Attentive drivers tend to pay less for car insurance than their less careful counterparts. People who have license-revoking tickets like hit and run, DWI or reckless driving convictions may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state in order to legally drive a vehicle.
High premiums for younger drivers – More mature drivers are shown to be more cautious, are lower risk to insure, and are generally more financially stable. Youthful drivers tend to be less responsible in a vehicle so car insurance rates are higher.
Reduce rates by driving vehicles with better crash test results – Vehicles with high crash test scores can get you lower premiums. Safe vehicles reduce occupant injuries and lower injury rates means less claims paid and thus lower rates. If your Buick Verano scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
Being married is a good thing – Having a significant other may earn you lower rates when shopping for car insurance. Marriage translates into being more financially stable and insurance companies reward insureds because drivers who are married file infrequent claims.
Loss statistics for a Buick Verano – Auto insurance companies take into consideration historical loss data for every vehicle in order to profitably underwrite each model. Vehicles that historically have high amounts or severity of claims will have a higher cost to insure.
The information below illustrates the historical insurance loss data for Buick Verano vehicles. For each policy coverage, the claim amount for all vehicles, as a total average, is represented as 100. Values under 100 represent a good loss history, while values that are 100 or greater point to more losses or tendency to have higher losses.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Statistics from IIHS.org for 2013-2015 Model Years
Earn discounts to get lower-cost Corpus Christi auto insurance rates
Companies offering auto insurance don’t necessarily list their entire list of discounts in an easy-to-find place, so the below list has both the well known and also the lesser-known credits that you can use to lower your rates.
- Life Insurance Discount – Select companies reward you with a small discount if you purchase some life insurance too.
- Discounts for Safe Drivers – Insureds without accidents could pay up to 40% less than their less cautious counterparts.
- Multiple Cars – Buying coverage for multiple vehicles with the same company can get a discount on all vehicles.
- Telematics Data Discounts – People who choose to allow companies to scrutinize where and when they drive by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they have good driving habits.
- One Accident Forgiven – This one is not really a discount per se, but a handful of insurance companies may permit one accident before raising your premiums if your claims history is clear for a set time period.
- Government Employees – Active or retired federal employment may qualify for a discount when you quote Corpus Christi car insurance with a few auto insurance companies.
- Discount for Multiple Policies – When you have multiple policies with the same insurance company you could earn a discount of approximately 10% to 15%.
Discounts lower rates, but most discount credits are not given to the entire cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. If you do the math and it seems like having all the discounts means you get insurance for free, you’re out of luck.
Some of the larger companies who may offer these benefits possibly include:
Double check with every insurance company how you can save money. Discounts may not apply in your area. If you would like to choose from a list of auto insurance companies that offer multiple discounts in Corpus Christi, click this link.
Local Corpus Christi insurance agents and auto insurance
Certain consumers still like to get professional advice from a licensed agent and doing that can be a smart decision One of the great benefits of comparing insurance prices online is that drivers can save money and get cheaper car insurance rates but also keep your business local. And providing support for local agencies is especially important in Corpus Christi.
Upon completion of this short form, your coverage information is transmitted to local insurance agents in Corpus Christi that can give you free Corpus Christi car insurance quotes for your business. It’s much easier because you don’t need to visit any agencies due to the fact that quote results will go to the email address you provide. It’s the lowest rates without requiring a lot of work. If you wish to compare prices from a particular provider, don’t hesitate to search and find their rate quote page and submit a quote form there.
Compare rates from both independent and exclusive auto insurance agents
When looking for a local agent, you need to know there are two different types of agents and how they are slightly different. Auto insurance policy providers are considered either exclusive or independent (non-exclusive).
Independent Agents (or Brokers)
Independent agents do not sell for just one brand so they can write business with lots of companies and find the cheapest auto insurance rates. If they quote lower rates, the agent simply finds a different carrier without you having to go to a different agency.
When comparing auto insurance prices, you absolutely need to get insurance quotes from a few independent agents in order to have the best price comparison.
Below are Corpus Christi independent insurance agencies that may be able to give you free rate quotes.
Exclusive Insurance Agencies
Exclusive agencies generally can only insure with one company and some examples include Farmers Insurance or State Farm. They are unable to shop your coverage around so it’s a take it or leave it situation. Exclusive agents are well trained on the products they sell and that can be a competitive advantage.
Below are Corpus Christi exclusive insurance agents who can help you get price quotes.
Selecting an insurance agency requires more thought than just a cheap quote. Here are some questions you might want to ask.
- Is the agent CPCU or CIC certified?
- Does the agency support the community they serve?
- Will you work with the agent or an assistant?
- How long have they worked with personal auto insurance coverage?
- How will an accident affect your rates?
- How often do they review coverages?
After talking to the agent and getting satisfactory answers to any questions you have as well as a affordable price, you may have just found an insurance agent that is reputable and can insure your vehicles. Keep in mind you can cancel coverage when you choose so don’t feel that you are obligated to the auto insurance policy for a certain time period.
What is YOUR best insurance company?
You just read a lot of techniques to get a better price on Buick Verano insurance in Corpus Christi. The key concept to understand is the more companies you get prices for, the more likely it is that you will get a better rate. You may even discover the biggest savings come from the least-expected company. Smaller companies can often provide lower prices in certain areas compared to the large companies like Allstate and Progressive.
As you quote Corpus Christi car insurance, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, an insured dropped physical damage coverage and found out when filing a claim that they should have had better coverage. Your strategy should be to find the BEST coverage for the lowest cost and still be able to protect your assets.
Steps to finding cheaper rates for Buick Verano insurance in Corpus Christi
To save the most money, the best way to find affordable car insurance rates in Corpus Christi is to annually compare prices from insurers in Texas.
- Spend a few minutes and learn about how car insurance works and the changes you can make to prevent rate increases. Many things that result in higher rates such as traffic violations, accidents, and a negative credit score can be remedied by making minor changes to your lifestyle.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like GEICO and State Farm, while independent agents can provide rate quotes from many different companies.
- Compare the new quotes to the premium of your current policy to see if you can save by switching companies. If you find a lower rate quote, make sure coverage does not lapse between policies.
- Tell your current agent or company of your decision to cancel your current policy. Submit payment along with a signed and completed policy application to your new insurance company. As soon as you have the new policy, safely store the proof of insurance paperwork in a readily accessible location in your vehicle.
A valuable tip to remember is to try to compare similar limits and deductibles on every quote and and to get quotes from as many companies as feasibly possible. Doing this enables an accurate price comparison and the best rate selection.
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Who Has the Cheapest Car Insurance for Homeowners in Corpus Christi? (FAQ)
- What Car Insurance is Cheapest for Teenage Males in Corpus Christi? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Nurses in Corpus Christi? (FAQ)
- What Car Insurance is Cheapest for Good Drivers in Corpus Christi? (FAQ)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Young Drivers: The High Risk Years Video (iihs.org)
- Auto Insurance Basics (Insurance Information Institute)