Save Money on Honda Insight Insurance in Corpus Christi

Discount Honda Insight insuranceDo you want a faster way to compare cheaper Honda Insight insurance in Corpus Christi? Tired of being strong-armed to pay high car insurance rates every month? You are no different than many other people in Texas.

It’s an obvious conclusion that insurance companies don’t want you shop around. Insureds who shop around for cheaper prices are highly likely to move their business because there are good odds of finding better rates. A recent car insurance study revealed that drivers who routinely shopped for cheaper coverage saved approximately $72 a month compared to those who never compared other company’s rates.

If finding the best price on Honda Insight insurance is your objective, then having some knowledge of how to quote prices and compare insurance premiums can help you be more efficient.

Steps to buying lower priced Honda Insight insurance in Corpus Christi

The recommended way to get more affordable car insurance rates is to regularly compare quotes from insurance carriers that sell auto insurance in Corpus Christi.

  1. Get a basic knowledge of car insurance and the things you can control to prevent expensive coverage. Many policy risk factors that result in higher rates like traffic tickets, fender benders, and a substandard credit score can be rectified by making lifestyle changes or driving safer. This article gives additional tips to help prevent costly coverage and find possible discounts that are available.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like GEICO or Farmers Insurance, while agents who are independent can give you price quotes for a wide range of insurance providers.
  3. Compare the price quotes to your existing policy to determine if switching companies saves money. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide notification to your current company of your intention to cancel your current car insurance policy. Submit a down payment along with a completed application to the new company. Once received, keep your new certificate verifying coverage with your registration paperwork.

A good piece of advice is to use the same liability limits and deductibles on every quote request and and to get price quotes from as many carriers as you can. This helps ensure an apples-to-apples comparison and a complete price analysis.

Multiple car insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurers to find the absolute best rates possible on Honda Insight insurance in Corpus Christi.

If you’re already insured, you will most likely be able to save money using these tips. Locating the best rates in Corpus Christi is quite easy if you know the best way to do it. Although Texas consumers benefit from understanding how insurance companies price insurance differently and apply this information to your search.

The are a couple different ways of comparing rate quotes from many different Texas insurance companies. By far the easiest way to do a complete rate comparison is to get quotes online.

It’s so fast and easy to compare rates online that it replaces the need to physically go to all the different insurance agencies. Comparing Honda Insight insurance rates online makes this process obsolete unless you have a need for the professional abilities that can only be provided by a licensed insurance agent. It is possible with some companies comparison shop online and get advice from an agent in your area.

When price shopping your coverage, more quotes helps improve the odds of finding the best price. Some regional insurers cannot provide online price quotes, so it’s recommended that you also compare price quotes from the smaller companies as well.

The providers in the list below can provide quotes in Corpus Christi, TX. If your goal is to find cheap auto insurance in TX, we suggest you visit several of them in order to get a fair rate comparison.

Analysis of coverages

The coverage table displayed below showcases a range of insurance prices for Honda Insight models. Understanding more about how premiums are determined helps drivers make decisions on the best policy to buy.

Honda Insight Insurance Rates in Corpus Christi, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $158 $312 $382 $22 $114 $988 $82
Insight EX $182 $368 $382 $22 $114 $1,068 $89
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate information does not factor in Corpus Christi location which can alter premium rates substantially.

Where to set your deductibles

When comparing insurance rates, the most common question is which comprehensive and collision deductibles to buy. The following insurance rates outline how much more you’ll pay of buying low and high coverage deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.

Honda Insight insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $256 $496 $382 $22 $114 $1,295 $108
Insight EX $294 $584 $382 $22 $114 $1,421 $118
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Honda Insight insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Insight LX $158 $312 $382 $22 $114 $988 $82
Insight EX $182 $368 $382 $22 $114 $1,068 $89
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price information does not factor in specific location information which can affect prices substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $27 more each month or $324 a year than opting for the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 28 months between claims, you would save more money going with the higher deductible.

The chart below shows how choosing a deductible and can impact Honda Insight insurance rates for different ages of insureds. The premiums assume a married female driver, full coverage, and no discounts are factored in.

Price comparison of only insuring for liability

The diagram below illustrates the difference between Honda Insight car insurance rates with liability coverage only compared to full coverage. The information is based on no tickets, no at-fault accidents, $500 deductibles, marital status is single, and no additional discounts are factored in.

When to eliminate full coverage

There isn’t a steadfast formula of when to stop paying for physical damage insurance, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let’s assume your Honda Insight claim settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after the deductible is paid. If you are currently paying more than $600 annually for physical damage coverage, then it might be time to buy liability only.

There are some conditions where eliminating full coverage is not financially feasible. If you still have a lienholder on your title, you have to keep full coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.

Can’t I compare rates from local Corpus Christi auto insurance agents?

Many drivers would prefer to talk to a local agent and often times that is recommended The best thing about comparing rate quotes online is that you can find better rates and still choose a local agent.

Once you complete this short form, your coverage information gets sent to participating agents in Corpus Christi that provide free Corpus Christi auto insurance quotes for your coverage. You never need to search for any insurance agencies because prices are sent straight to your inbox. You can find lower rates and an insurance agent to talk to. If for some reason you want to get a rate quote from a particular provider, don’t hesitate to find their quoting web page and complete a quote there.

Choosing an insurance company should include more criteria than just a cheap price. These are valid questions to ask:

Pick the best car insurance agent in Corpus Christi for you

If you’re trying to find local Corpus Christi agents, it’s helpful to know the types of agencies and how they are distinctly different. Insurance agencies in Corpus Christi are classified as either independent or exclusive depending on the company they work for.

Exclusive Agencies

Exclusive agencies generally can only insure with one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot compare rates from other companies so they have no alternatives for high prices. Exclusive agencies receive a lot of sales training on their company’s products and that can be a competitive advantage.

Listed below are exclusive agents in Corpus Christi that are able to give comparison quotes.

5959 S Staples St #103Corpus Christi, TX 78413(361) 994-8927View Map

5433 S Staples St, Ste P3Corpus Christi, TX 78411(361) 906-9400View Map

6410 Weber Rd #11dCorpus Christi, TX 78413(361) 814-0123View Map

View more Corpus Christi agents

Independent Auto Insurance Agencies

Agents that choose to be independent are not employed by one company and that allows them to write policies with an assortment of companies and get you the best rates possible. If your premiums go up, your policy is moved internally which is easy for the insured.

When comparing rate quotes, you will want to get quotes from independent agents to get the most accurate price comparison.

The following is a short list of independent insurance agents in Corpus Christi willing to provide price quote information.

4646 Corona DrCorpus Christi, TX 78411(361) 814-1097View Map

221 S Shoreline BlvdCorpus Christi, TX 78401(361) 985-1900View Map

5262 S Staples St # 300Corpus Christi, TX 78411(361) 654-2788View Map

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Upon receiving positive responses and a good coverage price, you’ve probably found a car insurance agent that is a good match to service your policy.

What is the best auto insurance company in Corpus Christi?

Picking the top insurance provider is hard considering how many different insurance companies sell coverage in Texas. The company rank data displayed below may help you decide which auto insurers to look at buying from.

Best Auto Insurance Companies in Corpus Christi
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
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Data Source: Best Car Insurance Companies