How long has it been since the last time you looked for the cheapest Saturn Outlook insurance in Corpus Christi? If price shopping Corpus Christi auto insurance quotes online is new to you, it’s easy to get bewildered thanks to the huge assortment of companies offering coverage in Corpus Christi.
Everyone knows that car insurance companies don’t want customers comparing rates. People who shop around for better prices are highly likely to buy a different policy because of the good chance of finding coverage at a more affordable price. Remarkably, a study showed that people who regularly shopped around saved over $3,500 over four years as compared to drivers who never shopped around.
If finding budget-friendly auto insurance is your objective, then having some insight into the best way to compare coverages can make the process less intimidating.
Best companies for Saturn Outlook insurance
The car insurance companies shown below are ready to provide price comparisons in Texas. In order to find the cheapest car insurance in Corpus Christi, we suggest you compare several of them to get the best price comparison.
Coverage statistics and figures
The price information displayed below showcases different coverage prices for Saturn Outlook models. Understanding more about how premiums are established is important for you to make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlook XE 2WD | $322 | $486 | $388 | $24 | $116 | $1,336 | $111 |
| Outlook XV 2WD | $322 | $486 | $388 | $24 | $116 | $1,336 | $111 |
| Outlook XE Premium 2WD | $360 | $572 | $388 | $24 | $116 | $1,460 | $122 |
| Outlook XE AWD | $360 | $572 | $388 | $24 | $116 | $1,460 | $122 |
| Outlook XE Premium AWD | $360 | $572 | $388 | $24 | $116 | $1,460 | $122 |
| Outlook XR-L 2WD | $360 | $572 | $388 | $24 | $116 | $1,460 | $122 |
| Outlook XR-L AWD | $360 | $572 | $388 | $24 | $116 | $1,460 | $122 |
| Outlook XR-L Premium 2WD | $360 | $572 | $388 | $24 | $116 | $1,460 | $122 |
| Outlook XR-L Premium AWD | $360 | $572 | $388 | $24 | $116 | $1,460 | $122 |
| 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-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Table data does not factor in specific location which can alter coverage prices noticeably.
Policy deductible comparison
A question often asked by Corpus Christi drivers is how high should your deductibles be. The following tables can help illustrate how much more rates are of buying low and high comp and collision deductibles. The first table uses a $100 deductible for comp and collision and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlook XE 2WD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Outlook XV 2WD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Outlook XE Premium 2WD | $412 | $698 | $382 | $22 | $114 | $1,653 | $138 |
| Outlook XE AWD | $412 | $698 | $382 | $22 | $114 | $1,653 | $138 |
| Outlook XE Premium AWD | $412 | $698 | $382 | $22 | $114 | $1,653 | $138 |
| Outlook XR-L 2WD | $412 | $698 | $382 | $22 | $114 | $1,653 | $138 |
| Outlook XR-L AWD | $412 | $698 | $382 | $22 | $114 | $1,653 | $138 |
| Outlook XR-L Premium 2WD | $412 | $698 | $382 | $22 | $114 | $1,653 | $138 |
| Outlook XR-L Premium AWD | $412 | $698 | $382 | $22 | $114 | $1,653 | $138 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Outlook XE 2WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Outlook XV 2WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Outlook XE Premium 2WD | $300 | $472 | $382 | $22 | $114 | $1,290 | $108 |
| Outlook XE AWD | $300 | $472 | $382 | $22 | $114 | $1,290 | $108 |
| Outlook XE Premium AWD | $300 | $472 | $382 | $22 | $114 | $1,290 | $108 |
| Outlook XR-L 2WD | $300 | $472 | $382 | $22 | $114 | $1,290 | $108 |
| Outlook XR-L AWD | $300 | $472 | $382 | $22 | $114 | $1,290 | $108 |
| Outlook XR-L Premium 2WD | $300 | $472 | $382 | $22 | $114 | $1,290 | $108 |
| Outlook XR-L Premium AWD | $300 | $472 | $382 | $22 | $114 | $1,290 | $108 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rates do not factor in specific location information which can increase or decrease insurance rates significantly.
Based on the figures above, using a $100 deductible will cost you about $29 more each month or $348 each year than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 14 months between claims, you would save money by going with a higher deductible.
Price comparison of only insuring for liability
The illustration below compares Saturn Outlook insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no violations or claims, $100 deductibles, single status, and no discounts are factored in.
When to stop buying full coverage
There is no definitive formula of when to exclude comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Saturn Outlook settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $7,000 after the deductible is paid. If you are paying over $700 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
There are a few cases where only buying liability is not recommended. If you haven’t satisfied your loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.
Companies offer lots of discounts on Saturn Outlook insurance in Corpus Christi
Car insurance is not an enjoyable expense, but there are discounts available that can dramatically reduce your bill. Many of these discounts will be applied automatically when you purchase, but some need to be asked about before they will apply.
- Discount for Home Ownership – Owning your own home or condo can get you a discount because maintaining a house shows financial diligence.
- Auto/Home Discount – If you insure your home and vehicles and insure them with the same company they may give you a discount of up to 20% off your total Outlook insurance premium.
- Switch and Save Discount – Select larger companies give a discount for buying a policy prior to the expiration date on your current Outlook insurance policy. It’s a savings of about 10%.
- Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts can save a little on medical payment and PIP coverage.
- Theft Prevention Discount – Cars optioned with advanced anti-theft systems are stolen less frequently and will qualify for a discount on a Corpus Christi auto insurance quote.
- Defensive Driver Discount – Taking a driver safety course could earn you a small percentage discount if you qualify.
- Military Discounts – Having a family member in the military may lower your rates slightly.
- Distant Student – Any of your kids who live away from home to go to college and do not have a car may qualify for this discount.
- Multiple Vehicles – Purchasing coverage when you have multiple vehicles with the same car insurance company may reduce the rate for each vehicle.
- Smart Student Discounts – Being a good student can save 20 to 25%. The discount lasts until age 25.
Policy discounts save money, but many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
The information below shows the difference between Saturn Outlook car insurance rates with and without discounts applied. The premiums are based on a female driver, no claims, a clean driving record, 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 homeowner, multi-policy, marriage, claim-free, multi-car, and safe-driver discounts applied.
A few popular companies and their offered discounts can be found below.
- GEICO has discounts for defensive driver, multi-policy, seat belt use, anti-lock brakes, membership and employees, air bags, and five-year accident-free.
- SAFECO discounts include anti-theft, drive less, bundle discounts, safe driver, and homeowner.
- State Farm has savings for anti-theft, defensive driving training, driver’s education, Drive Safe & Save, and Steer Clear safe driver discount.
- MetLife offers discounts including multi-policy, good driver, good student, accident-free, defensive driver, and claim-free.
- 21st Century may include discounts for automatic seat belts, homeowners, anti-lock brakes, good student, defensive driver, and driver training.
- Progressive includes discounts for homeowner, online quote discount, online signing, continuous coverage, multi-policy, and multi-vehicle.
When getting a coverage quote, ask all the companies which discounts you qualify for. Savings may not apply to policies in Corpus Christi.
Everyone needs different auto insurance coverages
When it comes to choosing coverage online or from an agent, there really isn’t a one-size-fits-all type of policy. Each situation is unique.
For instance, these questions can help discover whether your personal situation would benefit from an agent’s advice.
- Is a new car covered when I drive it off the dealer lot?
- Do I need motorclub coverage?
- Does liability extend to a camper or trailer?
- Am I getting all the discounts available?
- What is the ISO rating for a Saturn Outlook?
- What is the premium to book value ratio for dropping full coverage?
- What happens if I owe more than my Saturn Outlook is worth?
If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form.
Independent or exclusive insurance agencies
Many people just want to talk to an insurance agent and that is OK! One of the benefits of getting online price quotes is you can get cheap auto insurance quotes and still choose a local agent.
To help locate an agent, after submitting this form (opens in new window), the coverage information is submitted to agents in your area who will gladly provide quotes to get your business. You won’t even need to contact any insurance agencies because prices are sent to you directly. You can get cheaper auto insurance rates AND an agent nearby. In the event you want to quote rates from a specific insurance company, just visit that company’s website and give them your coverage information.
Finding a good insurance company requires more thought than just a cheap price quote. Ask your prospective agent these questions:
- Can glass repairs be made at your home?
- Will your rates increase after a single accident?
- Do you work with a CSR or direct with the agent?
- Is their price quote a firm figure or are their hidden costs?
- Does the company use OEM repair parts?
- Is the agency involved in supporting local community causes?
- Which family members are covered?
When searching for a local Corpus Christi insurance agent, it’s helpful to know the different types of agencies from which to choose. Auto insurance agents are either exclusive or independent.
Exclusive Insurance Agencies
Agents that choose to be exclusive generally can only insure with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. Exclusive agencies are unable to compare other company’s rates so they have to upsell other benefits. They receive extensive training on their company’s products which aids in selling service over price. Many people buy insurance from these agents partially due to the prominence of the brand instead of buying on price only.
Shown below is a list of exclusive agencies in Corpus Christi who may provide you with comparison quotes.
- Allstate Insurance: Jill Reed
4411 S Alameda St a – Corpus Christi, TX 78412 – (361) 452-8055 – View Map - Allstate Insurance: Al Armadillo
5656 S Staples St #300 – Corpus Christi, TX 78411 – (361) 985-7488 – View Map - Michael Morgan – State Farm Insurance Agent
5515 Saratoga Blvd b – Corpus Christi, TX 78413 – (361) 992-3636 – View Map
Independent Auto Insurance Agencies
Independent agencies are appointed with more than one company so they can insure your vehicles through many companies and get you the best rates possible. If you are not satisfied with one company, they simply move the coverage in-house and you stay with the same agent.
If you are comparing auto insurance prices, it’s recommended you compare prices from multiple independent agents to get the best comparison. Most also write with less well-known companies that may have much lower rates than larger companies.
Listed below is a list of independent agents in Corpus Christi who can help you get price quotes.
- Heavin and Associates Insurance Agency
4717 Gollihar Rd – Corpus Christi, TX 78411 – (361) 852-8005 – View Map - Joe Morales Insurance
5230 Kostoryz Rd # 18 – Corpus Christi, TX 78415 – (361) 852-4292 – View Map - IBC Insurance Agency
221 S Shoreline Blvd – Corpus Christi, TX 78401 – (361) 985-1900 – View Map
Texas car insurance companies ranked
Selecting the right auto insurance company can be difficult considering how many different companies there are to choose from in Texas. The company ratings shown next can help you choose which coverage providers you want to consider to insure your vehicles.
Top 10 Corpus Christi Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Corpus Christi Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
A conclusion for your insurance search
As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. There have been many cases where someone dropped comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. Your objective should be to buy the best coverage you can find for the lowest cost but still have enough coverage for asset protection.
You just learned many tips how you can get a better price on Saturn Outlook insurance in Corpus Christi. The key concept to understand is the more price quotes you have, the higher the chance of saving money. You may even be surprised to find that the biggest savings come from a lesser-known regional company.
Some insurance companies may not offer online rate quotes and these regional insurance providers only sell through independent agencies. Cheaper Saturn Outlook insurance in Corpus Christi can be found from both online companies and from local insurance agents, and you need to comparison shop both to have the best rate selection.
Steps to finding cheaper quotes for Saturn Outlook insurance in Corpus Christi
If your goal is the lowest price, then the best way to get cheaper Saturn Outlook insurance is to start doing an annual price comparison from providers that sell auto insurance in Corpus Christi. Prices can be compared by following these guidelines.
Step 1: Learn about how insurance companies determine prices and the things you can control to prevent rate increases. Many risk factors that cause high rates like getting speeding tickets and your credit history can be eliminated by making small lifestyle or driving habit changes.
Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO or Farmers Insurance, while independent agencies can provide price quotes from multiple companies. Begin your rate comparison
Step 3: Compare the new rate quotes to your current policy and determine if there is any savings. If you find better rates, make sure coverage does not lapse between policies.
Step 4: Provide adequate notice to your current company of your decision to cancel your current auto insurance policy. Submit the required down payment along with the signed application to your new insurance company. Once the application is submitted, put the proof of insurance paperwork above your visor, in the console, or in the glove compartment.
An important part of this process is to try to compare the same physical damage deductibles and liability limits on every quote request and and to get price estimates from as many companies as possible. Doing this guarantees an accurate price comparison and a better comparison of the market.
Much more information about insurance in Texas can be read at these links:
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Who Has Cheap Auto Insurance Quotes for Low Mileage Drivers in Corpus Christi? (FAQ)
- Uninsured Motorist Statistics (Insurance Information Institute)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Young Drivers: The High Risk Years Video (iihs.org)
- Older Drivers FAQ (iihs.org)