If saving the most money is your goal, then the best way to get the cheapest auto insurance rates is to start comparing rates regularly from companies who provide auto insurance in Corpus Christi. Prices can be compared by completing these steps.
Step 1: Learn about the different coverages in a policy and the modifications you can make to prevent high rates. Many risk factors that drive up the price such as traffic citations, accidents, and an unfavorable credit rating can be controlled by being financially responsible and driving safely. Keep reading for additional tips to get cheaper coverage and find available discounts that you may qualify for.
Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like Progressive or Farmers Insurance, while independent agencies can provide price quotes from many different companies.
Step 3: Compare the quotes to your existing policy to see if a cheaper price is available in Corpus Christi. If you can save money and decide to switch, ensure coverage does not lapse between policies.
Step 4: Give notification to your agent or company to cancel the current policy and submit the required down payment along with the signed application to the new company. Don’t forget to store the certificate verifying proof of insurance in an accessible location in your vehicle.
The key thing to know about shopping around is to use the same coverage limits and deductibles on each quote request and and to compare every insurance company. This helps ensure a level playing field and and a good selection of different prices.
A study showed that nearly 70% of customers have purchased from the same company for at least four years, and almost half have never shopped around. Many consumers in America can cut their rates by nearly 47% a year just by shopping around, but most just don’t grasp how much money they would save if they replace their high priced policy.
Companies offering Chrysler Aspen insurance in Corpus Christi
The companies shown below can provide free quotes in Texas. If you want to find cheap car insurance in TX, it’s a good idea that you visit as many as you can to get the most competitive price.
These discounts can lower your insurance rates
Some companies do not list every discount they offer in a way that’s easy to find, so the next list breaks down some of the more common and the more hidden credits that you can use to lower your rates. If you are not receiving all the discounts available, you are throwing money away.
- Employee of Federal Government – Being employed by or retired from a federal job could provide a small rate reduction depending on your company.
- Save with a New Car – Insuring a vehicle that is new can be considerably cheaper due to better safety requirements for newer vehicles.
- Telematics Discount – Insureds who allow driving data submission to track where and when they drive by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if their driving habits are good.
- Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more on Aspen insurance in Corpus Christi.
- Student Discounts – Excelling in school may save you up to 25%. The good student discount can last well after school through age 25.
- Cautious Driver Discounts – Drivers without accidents could pay up to 40% less as compared to drivers with claims.
- Theft Prevention Discount – Cars equipped with anti-theft or alarm systems are less likely to be stolen and that can save you a little bit as well.
- College Student Discount – College-age children who attend college more than 100 miles from Corpus Christi and won’t have access to an insured vehicle can be insured at a reduced rate.
Discounts lower rates, but most discounts do not apply to the entire cost. Some only reduce individual premiums such as comp or med pay. Even though the math looks like all the discounts add up to a free policy, nobody gets a free ride. Any qualifying discounts should help lower your overall premium however.
To choose providers with significant discounts in Corpus Christi, click this link.
Get More Affordable Insurance Premiums by Understanding These Factors
Lots of factors are considered when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, but other factors are more obscure like where you live or your commute time. The best way to find cheaper auto insurance is to take a look at some of the things that help determine auto insurance rates. When you know what positively or negatively influences your rates, this helps enable you to make changes that could result in better auto insurance rates.
The factors shown below are a few of the things companies use to determine rates.
Remove unneeded incidental coverages – Policies have additional extra coverages that you can get tricked into buying if you aren’t diligent. Coverages for rental car reimbursement, better glass coverage, and Farm Bureau memberships may be costing you every month. They may seem good at first, but if you have no use for them eliminate them to save money.
Cheaper rates for prior coverage – Going without insurance can be a fast way to bump up your auto insurance costs. And not only will insurance be more expensive, the inability to provide proof of insurance may earn you fines or a revoked license.
Amount of liability coverage – Your policy’s liability coverage is the protection in the event that you are responsible for damages from an accident. It will provide legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
Rates are impacted by vehicle performance – The type of car you are insuring makes a substantial difference in determining your rates. The lowest premiums are usually for lower performance four cylinder passenger cars, but other factors influence the final cost greatly.
Older drivers pay less – Older people are proven to be safer behind the wheel, tend to cause fewer accidents, and usually have better credit. Teenage drivers tend to be careless and easily distracted when at the wheel of a vehicle so they pay higher auto insurance rates.
Adjust deductibles and save – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Chrysler. Some examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. Comp and collision deductibles define how much you are willing to pay out-of-pocket if a claim is determined to be covered. The more expense the insured is willing to pay, the better rate you will receive.
Auto insurance can be complex
Always remember that when buying coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are unique to you and your policy should reflect that.
For instance, these questions can aid in determining whether or not you might need professional guidance.
- Do I need more liability coverage?
- Does my Chrysler Aspen qualify for pleasure use?
- Why do I have to buy liability insurance?
- Can I rent a car in Mexico?
- Is my dog or cat covered if injured in an accident?
- Does every company file a SR-22 automatically?
- Does my car insurance cover rental cars?
If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.
Insurance is available from local agents
Some people would prefer to talk to a local agent and that is not a bad decision Experienced insurance agents are trained risk managers and will help you if you have claims. One of the benefits of comparing insurance prices online is you can get cheaper premium rates and still have a local agent. Buying insurance from local agencies is important especially in Corpus Christi.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information is transmitted to local insurance agents in Corpus Christi who want to provide quotes for your business. There is no need to find an agent because quoted prices will be sent to your email. If you have a need to get a comparison quote from a specific company, feel free to search and find their rate quote page and fill out their quote form.
Corpus Christi car insurance agents come in two flavors
When searching for a local insurance agency, you should know the different types of agents and how they are slightly different. Corpus Christi agents may be either independent or exclusive. Both do a good job, but it is a good idea to know why they differ because it may have an impact on buying decisions.
Independent Insurance Agents
Independent agencies do not have single company limitations and that is an advantage because they can write policies through many companies depending on which coverage is best. If premiums increase, they simply switch companies in-house which is easy for the insured.
When comparing insurance rates, you absolutely need to compare quotes from several independent agencies to ensure the widest selection of prices.
Listed below is a list of independent agents in Corpus Christi who may be able to give you free rate quotes.
Heavin and Associates Insurance Agency
4717 Gollihar Rd – Corpus Christi, TX 78411 – (361) 852-8005 – View Map
Star Advantage Insurance Agency
15201 S Padre Island Dr – Corpus Christi, TX 78418 – (361) 949-0396 – View Map
A to Z Insurance Group
5625 Betty Jean Dr – Corpus Christi, TX 78411 – (361) 853-7568 – View Map
Exclusive Insurance Agencies
Exclusive agencies have only one company to place business with and some examples include State Farm, AAA, and Liberty Mutual. These agents are unable to give you multiple price quotes so they are skilled at selling on more than just price. They are well trained on what they offer and that can be a competitive advantage.
Below is a short list of exclusive insurance agencies in Corpus Christi willing to provide price quotes.
Allstate Insurance: Al Armadillo
5656 S Staples St #300 – Corpus Christi, TX 78411 – (361) 985-7488 – View Map
Allstate Insurance: Joshua D. Crow
5333 Yorktown Blvd e – Corpus Christi, TX 78413 – (361) 857-2688 – View Map
Jessica Kelly – State Farm Insurance Agent
5337 Yorktown Blvd #2b – Corpus Christi, TX 78413 – (361) 854-3225 – View Map
Picking the best car insurance agent requires more thought than just the price. Get answers to these questions too.
- Do they specialize in personal lines coverage in Corpus Christi?
- Is the agent and/or agency licensed to do business in Texas?
- Which members of your family are coverage by the policy?
- Do they get paid more for recommending certain coverages?
- If independent agents, which companies do they recommend?
- Does the agent recommend any additional coverage?
- Can you get a list of referrals?
Upon getting good responses to your questions and an acceptable price quote, it’s possible that you found an insurance agency that meets your needs to provide insurance coverage. Just remember it’s your policy and you can cancel a policy at any time so never feel you are locked into any specific company for any length of time.
What is the best car insurance company in Corpus Christi?
Buying coverage from a highly-rated car insurance provider is hard considering how many companies are available to choose from in Texas. The company ratings in the lists below could help you choose which car insurance providers to look at when comparing rate quotes.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
You can find cheap coverage
Budget-conscious Chrysler Aspen insurance can be purchased both online as well as from insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not offer rate quotes online and many times these regional insurance providers sell through local independent agencies.
As you go through the steps to switch your coverage, do not reduce needed coverages to save money. In many cases, consumers will sacrifice physical damage coverage only to find out they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford while still protecting your assets.
You just learned many ideas to find cheaper Chrysler Aspen insurance in Corpus Christi. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding affordable Chrysler Aspen insurance quotes. You may even discover the best price on car insurance is with a small local company. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, GEICO and Nationwide.
Much more information about car insurance in Texas is available at the links below
- Reducing Your Risks in a Car Crash Video (iihs.org)
- What Car Insurance is Cheapest for Safe Drivers in Corpus Christi? (FAQ)
- Who Has Cheap Corpus Christi Auto Insurance Rates for Drivers with Good Credit? (FAQ)
- Who Has Cheap Corpus Christi Auto Insurance for Uninsured Drivers? (FAQ)
- Vehicle Safety Ratings (iihs.org)
- Rollover Crash FAQ (iihs.org)
- Drunk Driving Statistics (Insurance Information Institute)