We don’t have to point out that fact that auto insurance companies don’t want you to look at other companies. Insureds who perform rate comparisons will probably switch to a new company because they stand a good chance of finding good coverage at a lower price. A survey found that consumers who made a habit of comparing rate quotes saved about $3,450 over four years compared to drivers who never shopped for cheaper rates.
If finding the cheapest price on Honda Accord insurance in Corpus Christi is your intention, understanding how to shop and compare cheaper coverage can make it easier to find better rates.
If you want to save the most money, the best way to save money on auto insurance rates is to annually compare prices from insurers in Corpus Christi.
- Step 1: Try to learn about how your policy works and the measures you can control to prevent expensive coverage. Many factors that result in higher rates such as accidents, careless driving, and a less-than-favorable credit history can be remedied by being financially responsible and driving safely. Continue reading for additional ideas to get better rates and get additional discounts.
- Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like Progressive or Farmers Insurance, while independent agents can quote rates from multiple sources. Compare rates
- Step 3: Compare the new quotes to your current policy premium to determine if you can save on Accord insurance. If you find a better price and make a switch, make sure there is no coverage gap between policies.
A tip to remember is that you use identical coverage information on every quote and and to get price estimates from as many carriers as you can. Doing this ensures a fair rate comparison and a complete price analysis.
The quickest method we recommend to compare car insurance rates for Honda Accord insurance in Corpus Christi is to know the trick car insurance companies will pay a fee to give free rates quotes. The one thing you need to do is provide a small amount of information including how much education you have, driver ages, coverage limits, and the make and model of your vehicles. Your rating data is then sent to insurance carriers in your area and they respond with quotes with very little delay.
If you would like to start a quote now, click here then complete the form.
The following companies can provide quotes in Texas. If multiple companies are listed, it’s highly recommended you visit several of them to find the cheapest auto insurance rates.
Honda Accord coverage analysis
The coverage table shown next outlines a range of insurance prices for Honda Accord models. Learning how auto insurance premiums are determined can help you make decisions on the best policy to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Accord LX 4-Dr Sedan||$278||$476||$330||$20||$98||$1,202||$100|
|Accord EX 4-Dr Sedan||$278||$476||$330||$20||$98||$1,202||$100|
|Accord LX-P 4-Dr Sedan||$278||$476||$330||$20||$98||$1,202||$100|
|Accord EX-L 4-Dr Sedan||$318||$580||$330||$20||$98||$1,346||$112|
|Accord EX 2-Dr Coupe||$318||$684||$440||$26||$132||$1,600||$133|
|Accord LX-S 2-Dr Coupe||$318||$684||$440||$26||$132||$1,600||$133|
|Accord EX-L 2-Dr Coupe||$358||$684||$440||$26||$132||$1,640||$137|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Estimates do not factor in your specific Corpus Christi location which can affect prices noticeably.
The information below shows how choosing a deductible and can affect Honda Accord insurance costs for different age groups. The data is based on a married male driver, full physical damage coverage, and no policy discounts are applied.
Careless Corpus Christi drivers pay higher rates
The illustration below highlights how speeding tickets and at-fault accidents can influence Honda Accord yearly insurance costs for different age categories. The premiums assume a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
Premiums by gender and age
The diagram below visualizes the comparison of Honda Accord insurance rates for male and female drivers. The data is based on no driving violations, no at-fault accidents, full coverage, $100 deductibles, drivers are single, and no discounts are applied.
Full coverage or liability only
The example below visualizes the comparison of Honda Accord auto insurance rates with full physical damage coverage and with liability coverage only. The data is based on a clean driving record, no at-fault accidents, $500 deductibles, drivers are not married, and no discounts are applied.
Should you pay for full coverage or liability only?
There is no written rule of when to drop full coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Honda Accord replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after the policy deductible has been paid. If you are paying in excess of $700 annually to have full coverage, then you might consider buying liability only.
There are some scenarios where eliminating full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Insuring your Honda Accord just makes sense
Even though it can be expensive, auto insurance is required by state law in Texas and it also provides benefits you may not be aware of.
First, just about all states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability protection if you drive a vehicle. 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 Accord has a lienholder, it’s guaranteed your bank will make it mandatory that you buy insurance to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the bank may insure your Honda at a significantly higher premium and require you to pay much more than you were paying before.
Third, auto insurance preserves your car and your assets. Insurance will pay for medical bills for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, will also pay to defend you in the event you are sued. If you have damage to your Honda as the result of the weather or an accident, collision and comprehensive coverages will pay to repair the damage.
The benefits of carrying adequate insurance definitely exceed the price paid, specifically if you ever have a liability claim. Today the average American driver overpays as much as $825 a year so you should quote and compare rates once a year at a minimum to save money.
Get cheap Honda Accord insurance in Corpus Christi with discounts
Some insurance providers do not list all available discounts in an easy-to-find place, so we took the time to find some of the more common as well as some of the hidden credits that you can use to lower your rates. If you don’t get every credit you deserve, it’s possible you qualify for a lower rate.
- Air Bag Discount – Vehicles equipped with air bags could see savings of 20% or more.
- Claim Free – Good drivers with no accidents can save substantially as opposed to insureds who have frequent claims or accidents.
- Save with a New Car – Buying a new car instead of a used Accord can get you a discount because new vehicles are generally safer.
- Lower Rates for Military – Having a deployed family member could trigger a small discount.
- Theft Prevention System – Vehicles that have factory alarm systems and tracking devices help deter theft and can earn a small discount on your policy.
- Resident Student – Kids who live away from home at college and won’t have access to an insured vehicle may be able to be covered for less.
- Club Memberships – Being a member of a professional or civic organization can get you a small discount on your policy.
- Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
- Own a Home and Save – Owning a home in Corpus Christi can help you save on car insurance since home ownership requires personal responsibility.
You should keep in mind that most credits do not apply to the whole policy. Most cut specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way. Any qualifying discounts will lower the amount you pay for coverage.
The chart below shows the comparison of Honda Accord insurance costs with and without some available policy discounts. The rate quotes are based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, safe-driver, multi-policy, and homeowner discounts applied.
Larger car insurance companies and some of the discounts are outlined below.
- GEICO has savings for anti-theft, emergency military deployment, defensive driver, driver training, multi-policy, and federal employee.
- USAA offers discounts including military installation, loyalty savings, multi-policy, annual mileage, safe driver, and good student.
- Progressive offers discounts for multi-policy, continuous coverage, online signing, homeowner, online quote discount, and good student.
- American Family may include discounts for early bird, good student, bundled insurance, Steer into Savings, and accident-free.
- Esurance may offer discounts for online shopper, paid-in-full, emergency road assistance, Pac-12 alumni, safety device, good student, and Switch & Save.
- Farmers Insurance offers premium reductions for electronic funds transfer, alternative fuel, switch companies, homeowner, mature driver, good student, and teen driver.
- State Farm discounts include Steer Clear safe driver discount, accident-free, good student, good driver, multiple autos, and multiple policy.
When getting free Corpus Christi car insurance quotes, it’s a good idea to every insurance company what discounts are available to you. Some discounts listed above may not apply to policyholders in Corpus Christi.
Insurance agents can give valuable advice
A small number of people just want to talk to an insurance agent and doing that can be a smart decision One of the best bonuses of comparing rates online is you can get the lowest rates but also keep your business local. Buying insurance from local agents is still important in Corpus Christi.
Upon completion of this form (opens in new window), your coverage information is instantly submitted to agents in your area who will give competitive quotes and help you find cheaper coverage. It makes it easy because there is no need to search for an agent since rate quotes are delivered directly to you. You can find better rates and a licensed agent to talk to. If you have a need to compare rates from a specific car insurance provider, feel free to go to their quote page to submit a rate quote request.
When searching for a local agent, there are two types of insurance agents from which to choose. Car insurance agents in Corpus Christi are either exclusive or independent agents depending on their company appointments.
Independent Car Insurance Agencies or Brokers
Agents in the independent channel are not required to write business for one company and that is an advantage because they can write policies amongst many companies and find the cheapest rate. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to do anything. When comparing car insurance rates, we recommend you get rate quotes from several independent insurance agents for maximum quote selection. Many write coverage with small regional insurance companies that many times have cheaper rates.
Shown below is a list of independent insurance agencies in Corpus Christi who can help you get free price quotes.
- Binyon Insurance Agency, LLC
9922 Leopard St #202 – Corpus Christi, TX 78410 – (361) 241-3748 – View Map
- A to Z Insurance Group
5625 Betty Jean Dr – Corpus Christi, TX 78411 – (361) 853-7568 – View Map
- Reed Insurance Agency
6500 S Padre Island Dr – Corpus Christi, TX 78412 – (361) 994-1886 – View Map
Agents that choose to be exclusive can only provide pricing for a single company and some examples include State Farm, Allstate, or Farmers Insurance. They are unable to provide other company’s prices so they are skilled at selling on more than just price. Exclusive insurance agents are usually well trained on their company’s products which helps offset the inability to provide other markets. Some consumers prefer to buy insurance from these agents mostly because of the brand and the convenience of having a single billing for all their coverages.
Listed below are Corpus Christi exclusive agents that are able to give rate quotes.
- Farmers Insurance – Richard Peetz
3038 S Alameda St – Corpus Christi, TX 78404 – (361) 887-7801 – View Map
- Joely DelVecchio – State Farm Insurance Agent
525 Glazebrook St c – Corpus Christi, TX 78404 – (361) 906-2886 – View Map
- Farmers Insurance – Ruben Bonilla
2727 Morgan Ave #300 – Corpus Christi, TX 78405 – (361) 881-1033 – View Map
Choosing an auto insurance agent should include more criteria than just a cheap price quote. These are some valid questions you should ask.
- Does the quote include credit and driving reports?
- Do they review policy coverages at every renewal?
- How will an accident affect your rates?
- Do they offer claims assistance after hours?
- Does the agency have a current Errors and Omissions policy?
- What are their preferred companies if they are an independent agency?
Auto insurance company ratings
Choosing the best auto insurance company can be difficult considering how many choices drivers have in Corpus Christi. The information in the lists below could help you choose which auto insurers you want to consider comparing rates from.
Top 10 Corpus Christi Car Insurance Companies Overall
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Top 10 Corpus Christi Car Insurance Companies Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Which is the best auto insurance?
When choosing the best auto insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different and your auto insurance should unique, too.
For instance, these questions may help you determine if your situation might need professional guidance.
- Who is covered when they drive my Honda Accord?
- How high should deductibles be on a Honda Accord?
- At what point should I drop full coverage?
- Is motorclub coverage worth it?
- Which companies will insure high-risk drivers?
- Should I have a commercial auto policy?
- Are all vehicle passengers covered by medical payments coverage?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.
Car insurance coverages 101
Having a good grasp of a car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages found on the average car insurance policy.
Comprehensive (Other than Collision)
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like rock chips in glass, damage from getting keyed, damage from flooding and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision insurance covers damage to your Accord caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as hitting a mailbox, sustaining damage from a pot hole, crashing into a ditch, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible on your Accord to bring the cost down.
Medical expense insurance
Med pay and PIP coverage provide coverage for expenses such as chiropractic care, doctor visits, X-ray expenses and pain medications. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Protection from uninsured/underinsured drivers
This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Honda Accord.
Because many people only purchase the least amount of liability that is required (Texas limits are 30/60/25), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
Coverage for liability
Liability insurance will cover injuries or damage you cause to people or other property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 30/60/25 that translate to a limit of $30,000 per injured person, a per accident bodily injury limit of $60,000, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.
Liability coverage pays for things such as funeral expenses, attorney fees, legal defense fees, loss of income and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford. Texas state minimum liability requirements are 30/60/25 but you should consider buying more coverage.
The illustration below demonstrates why low liability limits may not be high enough to cover claims.
Cheaper insurance premiums are possible
Throughout this article, we presented some good ideas how to compare Honda Accord insurance premium rates in Corpus Christi. The key concept to understand is the more you quote Corpus Christi car insurance, the better your chances of lowering your prices. Drivers may even discover the biggest savings come from a lesser-known regional company. Regional companies may often insure only within specific states and give better rates as compared to the big name companies such as State Farm and Allstate.
A few companies do not offer online price quotes and most of the time these small insurance companies prefer to sell through independent insurance agents. More affordable insurance in Corpus Christi is attainable online and also from your neighborhood Corpus Christi agents, and you need to price shop both so you have a total pricing picture.
As you shop your coverage around, it’s not a good idea to buy poor coverage just to save money. In many instances, consumers will sacrifice liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.
Much more information about insurance in Texas is located on the following sites:
- Winter Driving (Insurance Information Institute)
- Who Has Affordable Auto Insurance Rates for College Students in Corpus Christi? (FAQ)
- Who Has Cheap Auto Insurance Rates for Retired Military in Corpus Christi? (FAQ)
- What Car Insurance is Cheapest for Good Drivers in Corpus Christi? (FAQ)
- Your Car has been Stolen: Now What? (Allstate)
- State Laws for Cellphones and Texting (iihs.org)
- Rollover Crash FAQ (iihs.org)