Want to know an easy way to compare the cheapest insurance rates in Corpus Christi, TX? Corpus Christi shoppers have options when shopping for low-cost Lexus GX 460 insurance. They can either waste time struggling with agents to get rate comparisons or leverage the internet to make rate comparisons.
There are more efficient ways to shop for insurance and we’ll show you the best way to quote coverages for a new or used Lexus and get the best price possible from both online companies and Corpus Christi agents.
Shocking but true, over 70% of consumers have been with the same company for more than four years, and almost half have never quoted insurance rates at all. The average driver in Texas can save hundreds of dollars each year just by getting comparison quotes, but they just assume it’s a time-consuming process to compare rates and save money.
You should take the time to quote other rates at least once a year because insurance rates are constantly changing. If you had the lowest premium rates on Lexus GX 460 insurance in Corpus Christi two years ago you will most likely find a better price today. Ignore everything you know about insurance because I’m going to let you in on the secrets to how to use online quotes to buy cheaper Lexus GX 460 insurance in Corpus Christi.
If you are insured now or just want to save money, use these cost-cutting techniques to find the best rates while maintaining coverages. This information will tell you the best methods to compare rates. Vehicle owners only need to know the fastest way to compare insurance rates online.
Getting cheaper insurance pricing can be surprisingly simple. Just take the time comparing free Corpus Christi auto insurance quotes online from several insurance companies.
The companies in the list below are ready to provide comparison quotes in Corpus Christi, TX. If your goal is to find cheaper car insurance in Corpus Christi, we suggest you click on several of them to get the lowest price.
Rates and statistics
The premium information shown below showcases a range of prices for Lexus GX 460 models. Having insight into how rates are determined can help customers make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GX 460 4WD 4-Dr | $360 | $660 | $388 | $24 | $116 | $1,548 | $129 |
| GX 460 Premium 4WD 4-Dr | $396 | $660 | $388 | $24 | $116 | $1,584 | $132 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate quotes do not factor in specific location information which can alter prices considerably.
Analysis of deductible levels
One of the more difficult decisions when buying car insurance is how high should the physical damage deductibles be. The comparison tables below highlight the cost difference when you select higher and lower deductibles. The first set of rates uses a $250 physical damage deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GX 460 4WD 4-Dr | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| GX 460 Premium 4WD 4-Dr | $408 | $672 | $382 | $22 | $114 | $1,623 | $135 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| GX 460 4WD 4-Dr | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| GX 460 Premium 4WD 4-Dr | $332 | $542 | $382 | $22 | $114 | $1,392 | $116 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Prices do not factor in Corpus Christi location which can alter premiums noticeably.
Using the data above, we can ascertain that using a $250 deductible costs an average of $19 more each month or $228 each year across all Lexus GX 460 models than choosing the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 13 months between claims, you would save money if you opt for a higher deductible. The table below illustrates an example of how you can come to your own conclusion.
| Average monthly premium for $250 deductibles: | $134 |
| Average monthly premium for $500 deductibles (subtract): | – $115 |
| Monthly savings from raising deductible: | $19 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $19 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
The information below shows how choosing a deductible and can raise or lower Lexus GX 460 annual premium costs for different categories of driver ages. The prices are based on a married male driver, full coverage, and no additional discounts are factored in.
Should you buy full coverage?
The information below illustrates the comparison of Lexus GX 460 car insurance rates with full physical damage coverage and with liability coverage only. The rate quotes are based on no tickets, no at-fault accidents, $500 deductibles, drivers are single, and no discounts are applied.
When to drop full coverage
There isn’t a steadfast formula for phasing out comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s say your Lexus GX 460 replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $4,000 after paying your deductible. If you are paying more than $400 annually for comprehensive and collision coverage, then you might consider buying liability only.
There are a few situations where dropping full coverage is not advised. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not opt for liability only.
How do I know if I need professional advice?
Always remember that when buying your policy for your vehicles, there isn’t really a best way to insure your cars. Your situation is unique and your insurance should be unique as well.
For example, these questions can aid in determining whether your personal situation will benefit from professional help.
- Where can I find high-risk insurance?
- Is my business laptop covered if it gets stolen from my vehicle?
- Am I covered if I hit someone who is not insured?
- When should I buy a commercial auto policy?
- Does my policy cover me if I wreck while driving under the influence?
- Is my ex-spouse still covered by my policy?
- Is my nanny covered when transporting my kids?
- Does every company file a SR-22 automatically?
- Why do I have to buy liability insurance?
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.
What if I want to buy from local Corpus Christi insurance agents?
Some consumers prefer to talk to an insurance agent and that is just fine! Professional agents will help you protect your assets and help in the event of a claim. A nice benefit of comparing car insurance online is that you can obtain cheap car insurance quotes and still have an agent to talk to. And buying from local insurance agencies is important especially in Corpus Christi.
To help locate an agent, after submitting this quick form, the coverage information gets sent to companies in Corpus Christi who will give you bids for your car insurance coverage. There is no reason to search for an agent as quotes are delivered to you directly. If you need to get a comparison quote from a specific insurance company, you can always visit that company’s website and fill out the quote form the provide.
If you are wanting to find a local Corpus Christi insurance agency, there are a couple of different types of agents to choose from. Agents can be classified as either exclusive or independent. Both write policy coverage, but it is a good idea to know the difference between them because it may have an impact on the type of agent you choose.
Independent Car Insurance Agencies
Independent insurance agents do not have single company limitations and that allows them to write policies with many different companies and get you the best rates possible. If premiums increase, the business is moved internally without you having to go to a different agency. When comparing rate quotes, you will definitely want to check rates from at least one independent agent for maximum quote selection. Many can place coverage with small mutual carriers that may have much lower rates than larger companies.
Below is a small list of independent agencies in Corpus Christi who can help you get rate quotes.
- Heavin and Associates Insurance Agency
4717 Gollihar Rd – Corpus Christi, TX 78411 – (361) 852-8005 – View Map - Moore Insurance Agency
500 N Water St #702 – Corpus Christi, TX 78401 – (361) 991-9000 – View Map - Trinity Insurance
4439 Gollihar Rd – Corpus Christi, TX 78411 – (361) 854-8600 – View Map
Exclusive Car Insurance Agencies
These agents write business for a single company and examples are State Farm, Allstate, or Farmers Insurance. These agents are unable to give you multiple price quotes so you might not find the best rates. They receive extensive training on their company’s products which helps overcome the inability to quote other rates. A lot of people buy insurance from these agents primarily because of the prominent brand name rather than low price.
Listed below is a list of exclusive insurance agencies in Corpus Christi that are able to give price quotes.
- Francisco Aguilar – State Farm Insurance Agent
5829 Weber Rd – Corpus Christi, TX 78413 – (361) 991-8242 – View Map - Farmers Insurance – Richard Peetz
3038 S Alameda St – Corpus Christi, TX 78404 – (361) 887-7801 – View Map - Michael Morgan – State Farm Insurance Agent
5515 Saratoga Blvd b – Corpus Christi, TX 78413 – (361) 992-3636 – View Map
Choosing an insurance agent should depend on more than just the quoted price. These are some questions you should get answers to.
- Will your rates increase after a single accident?
- How often do they review coverages?
- Does their agency support local causes in Corpus Christi?
- What will you get paid if your car is a total loss? How is that amount determined?
- Which companies can they place coverage with?
Car insurance company ratings
Selecting the right insurer can be difficult considering how many companies there are to choose from in Corpus Christi. The ranking data shown below could help you pick which car insurance providers you want to consider when shopping your coverage around.
Top 10 Corpus Christi Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Corpus Christi Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General