Do you want low-cost Chevy Colorado insurance in Corpus Christi? Finding cheaper rates on Chevy Colorado insurance in Corpus Christi is quite difficult for drivers new to online rate comparisons. There are so many different companies and agents to choose from that it can quickly become a difficult challenge to compare prices in Texas on Chevy Colorado insurance.
Steps to finding lower priced Chevy Colorado insurance in Corpus Christi
If saving money is your primary concern, then the best way to save money on Chevy Colorado insurance is to do a yearly price comparison from providers in Corpus Christi.
First, try to learn about how companies price auto insurance and the steps you can take to keep rates low. Many things that result in higher rates such as speeding and a negative credit rating can be remedied by making lifestyle changes or driving safer.
Second, compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agencies can quote prices for many different companies.
Third, compare the new rate quotes to the premium of your current policy to see if a cheaper price is available. If you can save some money and change companies, make sure there is no coverage gap between policies.
Fourth, notify your agent or company to cancel your current auto insurance policy and submit payment and a signed application for the new policy. Once the paperwork is finalized, put the certificate of insurance in an accessible location in your vehicle.
An important note is to try to use identical limits and deductibles on each price quote and to quote with as many companies as possible. This provides a level playing field and and a good selection of different prices.
Unfortunately, nearly 70% of drivers kept buying from the same company for at least the last four years, and nearly the majority have never compared rates from other carriers. Corpus Christi insurance shoppers can cut their rates by approximately $1,770 a year by just comparing rate quotes, but they don’t want to take the time to compare rate quotes.
It’s a good idea to get comparison quotes on a regular basis due to the fact that insurance prices are variable and change quite frequently. If you had the best deal on Chevy Colorado insurance in Corpus Christi on your last policy you may be paying too much now. There is too much inaccurate information about Colorado insurance online but in a few minutes you can learn some of the best ways to find affordable auto insurance in Corpus Christi.
If you currently have car insurance, you will be able to get lower rates using the concepts you’re about to learn. Locating the most affordable policy in Corpus Christi is not as time-consuming as you think. But Texas car owners need to have an understanding of how the larger insurance companies compete online.
Do you qualify for discounts on Chevy Colorado insurance in Corpus Christi?
Some providers don’t necessarily list the complete list of policy discounts very well, so we break down both the well known and the more hidden discounts you could be receiving when you buy Corpus Christi car insurance online. If you don’t get every credit available, you are not getting the best rate possible.
- New Vehicle Savings – Putting insurance coverage on a new Colorado can get you a discount because new model year vehicles keep occupants safer.
- Anti-theft System – Anti-theft and alarm system equipped vehicles help deter theft so companies will give you a small discount.
- Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle up could save 15% on the medical payments or PIP coverage costs.
- Senior Citizen Rates – Mature drivers can possibly qualify for a discount up to 10%.
- Service Members Pay Less – Having a family member in the military could be rewarded with lower premium rates.
As a sidenote, most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. So even though you would think having all the discounts means you get insurance for free, it doesn’t quite work that way.
The illustration below shows the comparison of Chevy Colorado annual premium costs with and without discounts applied to the policy premium. The information is based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, claim-free, marriage, and safe-driver discounts applied.
To choose car insurance companies that have a full spectrum of discounts in Texas, follow this link.
How to buy Chevy Colorado insurance in Corpus Christi
When quoting car insurance, remember that comparing a wide range of rates gives you a better chance of getting the best price. Some companies don’t provide rate quotes online, so it’s important to compare prices from those companies as well.
The companies shown below are our best choices to provide free quotes in Texas. To locate cheap car insurance in Corpus Christi, TX, we recommend you get rates from several of them in order to find the lowest rates.
Chevy Colorado coverage statistics
The table shown next outlines different insurance prices for Chevy Colorado models. Having a better idea how policy premiums are established can help customers make decisions when shopping your coverage around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Colorado LT 2WD||$170||$346||$366||$22||$110||$1,014||$85|
|Colorado LT Extended Cab 2WD||$200||$422||$366||$22||$110||$1,120||$93|
|Colorado LT 4WD||$200||$346||$310||$18||$94||$968||$81|
|Colorado LT Crew Cab 2WD||$200||$422||$366||$22||$110||$1,120||$93|
|Colorado LT Extended Cab 4WD||$200||$346||$310||$18||$94||$968||$81|
|Colorado LT Crew Cab 4WD||$230||$422||$310||$18||$94||$1,074||$90|
|Get Your Own Custom Quote Go|
Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Estimates do not factor in specific location which can raise or lower rates significantly.
The illustration below shows how different deductible levels and can raise or lower Chevy Colorado annual premium costs for different insured age categories. The premiums are based on a married female driver, full coverage, and no discounts are applied.
Cautious drivers save money
The illustration below shows how traffic citations and at-fault fender-benders can impact Chevy Colorado insurance rates for different insured age categories. The rates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
Full coverage versus liability-only in Corpus Christi
The example below compares Chevy Colorado annual premium costs when comparing full coverage to state minimum liability only. The price estimates are based on a clean driving record, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.
Should you be buying full coverage?
There is no clear-cut rule to exclude comp and collision coverage, but there is a broad guideline. If the yearly cost of full coverage is more than 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your Chevy Colorado settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $6,000 after paying your policy deductible. If premiums are more than $600 a year for full coverage, then it could be time to drop full coverage.
There are a few situations where dropping full coverage is not financially feasible. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Exclusive versus independent auto insurance agents
A lot of people would prefer to go talk to an agent and that is a personal choice. An additional benefit of comparing rates online is that you can obtain cheap car insurance quotes and still have an agent to talk to. Putting coverage with local insurance agents is definitely important in Corpus Christi.
To make it easy to find an agent, after completing this form (opens in new window), the quote information is transmitted to participating agents in Corpus Christi that give free quotes to get your business. You won’t even need to contact any insurance agencies as quotes are delivered instantly to you. You can get cheaper car insurance rates AND a local agent. If you want to get a rate quote from a specific car insurance provider, you can always find their quoting web page and fill out their quote form.
Exclusive agents vs. Independent agents
If you would like to find a reliable agent, you should know the types of insurance agents and how they differ in how they can insure your vehicles. Car insurance agents can be categorized as either exclusive or independent (non-exclusive).
Independent Car Insurance Agents
These agents are not employed by one company and that allows them to write policies with an assortment of companies enabling the ability to shop coverage around. If your premiums go up, your policy is moved internally without you having to go to a different agency.
When comparing rate quotes, you will definitely want to include price quotes from independent agents to ensure the widest selection of prices. Most can insure with lesser-known insurance companies that may provide cheaper car insurance rates.
Shown below is a partial list of independent agents in Corpus Christi that may be able to give you cheap rate quotes.
- Del Mar Insurance
3801 Saratoga Blvd # 105 – Corpus Christi, TX 78415 – (361) 986-0700 – View Map
- Fred Roy Insurance
4402 Weber Rd – Corpus Christi, TX 78411 – (361) 854-4847 – View Map
- Lancaster and Bay Insurance Agency
3124 S Alameda St – Corpus Christi, TX 78404 – (361) 853-0405 – View Map
Exclusive Insurance Agents
Agents that choose to be exclusive generally can only insure with one company and examples are American Family, State Farm, and AAA. Exclusive agents are unable to provide other company’s prices so always compare other rates. Exclusive agents are highly trained on the products they sell which helps offset the inability to provide other markets. Some consumers prefer to choose to use an exclusive agent mostly because of the brand legacy and the convenience of having all coverages with one company.
Below is a list of exclusive agencies in Corpus Christi that are able to give price quotes.
- Farmers Insurance – Dennis Trevino
6410 Weber Rd #11d – Corpus Christi, TX 78413 – (361) 814-0123 – View Map
- State Farm: Curtis Rich
6646 S Staples St #130 – Corpus Christi, TX 78413 – (361) 992-1148 – View Map
- Allstate Insurance: Jill Reed
4411 S Alameda St a – Corpus Christi, TX 78412 – (361) 452-8055 – View Map
Finding the right auto insurance agent is decision based upon more than just the price. These are valid questions to ask:
- Is assistance available after office hours?
- What is the agency’s Better Business Bureau rating?
- How would your car be valued if totaled?
- Do the agents have professional certifications like CPCU or CIC?
- Will the agent or a CSR service your policy?
- How long has their agency been open in Corpus Christi?
After receiving answers to your satisfaction to any questions you may have and an acceptable price quote, you have narrowed it down to an auto insurance agent that can adequately provide car insurance. It’s important to know that you have the power to cancel your policy at any point so don’t think that you are obligated to a specific company for the full policy term.
Car insurance coverage considerations
Learning about specific coverages of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as funeral costs, X-ray expenses, surgery and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as damage from flooding, hitting a deer, rock chips in glass and vandalism. The highest amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
This will cover damages or injuries you inflict on other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 30/60/25 that translate to $30,000 in coverage for each person’s injuries, a per accident bodily injury limit of $60,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers claims such as medical expenses, repair bills for other people’s vehicles, medical services, legal defense fees and bail bonds. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford. Texas state minimum liability requirements are 30/60/25 but drivers should carry more liability than the minimum.
The next chart shows why buying minimum limits may not be adequate.
Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers things like crashing into a building, sideswiping another vehicle, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also bump up the deductible on your Colorado to bring the cost down.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Chevy Colorado.
Because many people only carry the minimum required liability limits (30/60/25 in Texas), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are set the same as your liability limits.
You can lower your insurance rates
Drivers leave their current company for a variety of reasons including delays in responding to claim requests, extreme rates for teen drivers, an unsatisfactory settlement offer and even not issuing a premium refund. No matter why you want to switch, finding the right insurance provider can be pretty painless.
When you buy Corpus Christi car insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced liability limits or collision coverage to discover at claim time that the savings was not a smart move. The goal is to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.
Throughout this article, we presented quite a bit of information on how to reduce Chevy Colorado insurance rates online in Corpus Christi. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding inexpensive Corpus Christi car insurance quotes. Consumers may even find the best rates are with the least-expected company.
How to save money on Chevy Colorado insurance in Corpus Christi
If saving money is your primary concern, then the best way to get low-cost Chevy Colorado insurance in Corpus Christi is to regularly compare price quotes from insurance carriers in Texas. You can compare prices by completing these steps.
First, spend some time learning about auto insurance and the changes you can make to prevent expensive coverage. Many factors that increase rates like traffic citations and a not-so-good credit score can be improved by making minor driving habit or lifestyle changes.
Second, compare rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like GEICO and State Farm, while agents who are independent can give you price quotes from many different companies.
Third, compare the new rates to your current policy to see if cheaper Colorado coverage is available. If you can save money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
Fourth, provide notification to your current company to cancel your current auto insurance policy. Submit payment and a signed application for your new policy. As soon as you have the new policy, put the certificate verifying proof of insurance in an accessible location in your vehicle.
An important bit of advice to remember is to compare the same amount of coverage on every price quote and to quote with every company you can. This enables a fair rate comparison and plenty of rates choose from.
To read more, feel free to visit the resources below:
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Who Has the Cheapest Corpus Christi Car Insurance Rates for First-time Drivers? (FAQ)
- Who Has Affordable Auto Insurance Quotes for State Employees in Corpus Christi? (FAQ)
- Who Has Cheap Corpus Christi Auto Insurance for a Nissan Altima? (FAQ)
- How Much are Car Insurance Quotes for a School Permit in Corpus Christi? (FAQ)
- Who Has Cheap Corpus Christi Auto Insurance Rates for Welfare Recipients? (FAQ)
- What Auto Insurance is Cheapest for a 20 Year Old Female in Corpus Christi? (FAQ)
- What Insurance is Cheapest for Postal Workers in Corpus Christi? (FAQ)
- Vehicle Insurance in the U.S. (Wikipedia)
- Understanding Your Insurance Deductible (Insurance Information Institute)