Do you want an efficient way to compare the cheapest Suzuki XL-7 insurance in Corpus Christi? If you are new to getting Corpus Christi auto insurance quotes online, there’s a good chance you are baffled due to the large selection of auto insurance companies all promising to save you money.
Astonishing but true according to a recent study, most auto insurance buyers have remained with the same auto insurance company for more than four years, and roughly 40% of drivers have never even compared quotes to find cheaper rates. Many drivers in Corpus Christi can save hundreds of dollars each year by just comparing quotes, but they just don’t understand the big savings they would realize if they bought a different policy.
You should make it a habit to compare premium rates on a regular basis since prices change frequently. If you had the lowest price on Suzuki XL-7 insurance in Corpus Christi a year ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re about to find out the best way to eliminate unnecessary coverages and save money on Suzuki XL-7 insurance in Corpus Christi.
Buying affordable insurance in Corpus Christi is not that difficult. Virtually each driver who requires lower cost insurance should find a better price. Nevertheless, Texas car owners should learn how the larger insurance companies determine what you pay and use it to find better rates.
How do Car Insurance Companies Determine Suzuki XL-7 Insurance Premiums?
It’s important that you understand some of the things that are used to determine the rates you pay for insurance. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that may result in big savings.
Gender and auto insurance – Over the last 50 years, statistics have shown that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. They both are in accidents in similar numbers, but men have costlier accidents. Not only are claims higher, but men receive more major tickets such as reckless driving. Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.
Lower rates with alarm systems – Purchasing a vehicle with an alarm system can save you some money. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent auto theft.
Safer cars save money – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles reduce the chance of injuries and better occupant protection translates into fewer and smaller insurance claims which can result in lower premiums.
Liability limits on your policy – Liability coverage kicks in if you are ruled to be at fault for an accident. Liability provides legal defense which can cost a lot. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
What are your deductibles? – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some instances where coverage would apply are running into the backend of another car, hitting a deer, and damage caused by flying debris. Comp and collision deductibles represent how much money you are required to spend if the claim is covered. The more the insured has to pay upfront, the less your insurance will be.
Reduce your insurance rates with discounts
Insurance can be prohibitively expensive, but you may qualify for discounts that may help make it more affordable. Many of these discounts will be applied automatically when you purchase, but lesser-known reductions have to be specially asked for in order for you to get them.
- Discounts for New Vehicles – Putting insurance on a new XL-7 may earn a small discount compared to insuring an older model.
- Safety Course Discount – Taking a course that instructs on driving safety could earn you a small percentage discount depending on where you live.
- Discount for Life Insurance – If the company offers life insurance, you could get better rates if you take out some life insurance too.
- Driver’s Education for Students – It’s a good idea to have your young drivers successfully take a driver’s education course in high school.
- Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions so you can save 10 percent or more.
- Discount for Home Ownership – Just being a homeowner can earn you a little savings because it is proof that your finances are in order.
- Theft Deterrent System – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and that can save you a little bit as well.
- Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts may qualify for discounts as much as 30%.
- Government Employee Discount – Active or former government employment could cut as much as 10% off but check with your company.
- Paperless Signup – Some of the larger companies may give you up to $50 for signing up on their website.
As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only cut specific coverage prices like comprehensive or collision. Despite the fact that it seems like adding up those discounts means a free policy, nobody gets a free ride.
A partial list of companies that may have many of the previously listed discounts are:
When quoting, ask every company to apply every possible discount. Some discounts listed above might not be offered in every state. To view insurers that have a full spectrum of discounts in Texas, follow this link.
Be persistent and save
Insureds change insurance companies for any number of reasons including denial of a claim, poor customer service, questionable increases in premium or even extreme rates for teen drivers. Regardless of your reason, switching car insurance companies is pretty easy and you might even save some money in the process.
As you prepare to switch companies, make sure you don’t buy poor coverage just to save money. There have been many situations where someone dropped physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. The ultimate goal is to purchase plenty of coverage at the best possible price while still protecting your assets.
Lower-priced car insurance in Corpus Christi can be found both online as well as from independent agents in Corpus Christi, and you need to comparison shop both in order to have the best price selection to choose from. Some companies do not offer online price quotes and many times these regional insurance providers provide coverage only through independent agents.
Steps to buying affordable Suzuki XL-7 insurance in Corpus Christi
The easiest way to get discount Suzuki XL-7 insurance is to start comparing rates regularly from companies in Corpus Christi.
First, try to learn a little about how your policy works and the factors you can control to lower rates. Many rating criteria that cause rate increases like traffic citations, accidents, and a negative credit rating can be rectified by making minor changes in your lifestyle.
Second, compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO and State Farm, while independent agents can quote rates from many different companies.
Third, compare the quotes to your existing rates and determine if cheaper XL-7 coverage is available. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, provide proper notification to your current company of your intent to cancel your current auto insurance policy and submit a down payment and signed policy application for the new coverage. Make sure you place your new proof of insurance paperwork in a readily accessible location in your vehicle.
A valuable tip to remember is to make sure you enter similar deductibles and liability limits on every price quote and and to look at as many different insurance providers as possible. This ensures a fair price comparison and a thorough selection of prices.
For more information, take a look at the articles below:
- Young Drivers: The High Risk Years Video (iihs.org)
- Who Has Cheap Auto Insurance for Good Students in Corpus Christi? (FAQ)
- Who Has Affordable Car Insurance for Low Income Drivers in Corpus Christi? (FAQ)
- Who Has the Cheapest Auto Insurance for a Nissan Rogue in Corpus Christi? (FAQ)
- Collision Coverage (Liberty Mutual)
- Airbag FAQ (iihs.org)