Truthfully, the best way to get more affordable auto insurance rates in Corpus Christi is to make a habit of comparing prices annually from providers who sell auto insurance in Texas.
- Spend a few minutes and learn about the coverage provided by your policy and the measures you can control to prevent expensive coverage. Many policy risk factors that drive up the price like traffic violations and a lousy credit rating can be eliminated by being financially responsible and driving safely.
- Compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or State Farm, while independent agents can give you price quotes for a wide range of companies.
- Compare the new rate quotes to your current policy to determine if switching companies saves money. If you find better rates and decide to switch, make sure coverage does not lapse between policies.
- Give notification to your current company of your decision to cancel your current car insurance policy and submit the completed application along with a down payment for your new policy. Be sure to put the new proof of insurance certificate with the vehicle registration.
One thing to remember is to make sure you enter the same deductibles and limits on every price quote and and to get rates from as many companies as feasibly possible. This ensures a fair price comparison and the best price selection.
Unbelievable but true, over 70% of drivers have been with the same company for well over three years, and approximately 40% of consumers have never compared rate quotes at all. Many consumers in Texas could cut their rates by $1,766 a year, but they assume it’s a waste of time to compare rates online.
If you are already insured or just want to reduce your rates, take advantage of these tips to reduce the price you pay without having to cut coverage. Choosing the most cost-effective auto insurance policy in Corpus Christi is not that difficult as long as you know where to start. Smart buyers just need to learn the proper methods to find the lowest price from many different companies.
Companies offering Toyota Sequoia insurance in Corpus Christi
The auto insurance companies shown below can provide price quotes in Corpus Christi, TX. If you want the best car insurance in TX, we suggest you compare several of them to get the best price comparison.
Analysis of Toyota Sequoia rates
The coverage information displayed below showcases estimates of coverage costs for Toyota Sequoia models. Having a better idea how insurance rates are determined can help customers make smart policy decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sequoia SR/5 2WD||$176||$306||$430||$26||$128||$1,066||$89|
|Sequoia SR/5 4WD||$176||$360||$430||$26||$128||$1,120||$93|
|Sequoia Limited 2WD||$196||$360||$430||$26||$128||$1,140||$95|
|Sequoia Limited 4WD||$196||$360||$430||$26||$128||$1,140||$95|
|Sequoia Platinum 2WD||$196||$414||$430||$26||$128||$1,194||$100|
|Sequoia Platinum 4WD||$196||$414||$430||$26||$128||$1,194||$100|
|Get Your Own Custom Quote Go|
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can increase or decrease insurance rates greatly.
The diagram below illustrates how choosing a deductible and can influence Toyota Sequoia insurance costs for different age categories. Data assumes a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Insurance rate increases from tickets or accidents
The diagram below highlights how traffic violations and at-fault accidents can drive up Toyota Sequoia yearly insurance costs for different insured age categories. The premium estimates are based on a married male driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
Comparison of car insurance rates by age and gender
The information below illustrates the difference between Toyota Sequoia car insurance rates for male and female drivers. Data assumes no claims or driving violations, comprehensive and collision coverage, $100 deductibles, marital status is single, and no other discounts are factored in.
Cost comparison with and without full coverage
The illustration below illustrates the difference between Toyota Sequoia premium costs with full coverage compared to only the Texas minimum liability coverage. The premium estimates are based on no tickets, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are applied.
When to drop full coverage
There is no clear-cut formula to delete full coverage, but there is a guideline you can use. If the annual cost of coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.
For example, let’s pretend your Toyota Sequoia book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $6,000 after you pay the deductible. If you are paying over $600 annually for physical damage coverage, then you might consider buying liability only.
There are some conditions where only buying liability is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should maintain full coverage.
Toyota Sequoia insurance discounts in Corpus Christi
Companies don’t list the complete list of policy discounts in an easy-to-find place, so the list below gives a summary of a few of the more common and the more hidden discounts that you may qualify for.
- ABS Braking Discount – Cars and trucks with ABS braking systems or traction control can avoid accidents and earn discounts up to 10%.
- Multi-policy Discount – When you have multiple policies with one company you could earn a discount of up to 20% off your total Sequoia insurance premium.
- Good Grades Discount – Maintaining excellent grades can save 20 to 25%. The discount lasts up to age 25.
- Waiver for an Accident – This one is not really a discount per se, but a handful of insurance companies will allow you to have one accident without the usual rate increase as long as you don’t have any claims before the accident.
- Multi-car Discount – Buying coverage for multiple cars or trucks on one policy can reduce rates for all insured vehicles.
- Low Mileage – Fewer annual miles on your Toyota can earn slightly better premium rates than normal.
Please keep in mind that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as medical payments or collision. If you do the math and it seems like it’s possible to get free car insurance, you aren’t that lucky. But all discounts will help reduce your insurance premiums.
The chart below compares Toyota Sequoia insurance premiums with and without discounts applied to the premium. The prices are based on a male driver, no accidents or driving violations, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, multi-policy, homeowner, safe-driver, and marriage discounts applied.
To see companies that can offer you the previously mentioned discounts in Corpus Christi, click here to view.
You Can Change Your Insurance Rates
Multiple criteria are part of the calculation when quoting car insurance. Some factors are common sense like a motor vehicle report, but other criteria are more obscure such as whether you are married or your commute time. Consumers need to have an understanding of a few of the rating criteria that help determine your insurance rates. When you understand what determines base rates, this enables informed choices that may reward you with better insurance rates.
The items below are a few of the “ingredients” used by companies to determine your premiums.
Poor credit can mean higher premiums – Having a good credit score can be an important factor in determining your rates. Drivers with excellent credit tend to be better drivers and file fewer claims than those with worse credit. So if your credit could use some work, you could be paying less to insure your Toyota Sequoia by spending a little time repairing your credit.
Liability coverage limits should be high – The liability coverage on your policy will protect you when a court rules you are at fault for damages caused by your negligence. Your liability coverage provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
More than one policy can earn a discount – The majority of companies afford discounts to customers that purchase more than one policy such as combining an auto and homeowners policy. The discount can add up to anywhere from five to ten percent in most cases. Even if you’re getting this discount consumers should still compare Toyota Sequoia rates in Corpus Christi to help ensure you have the lowest rates.
Increase comp and collision deductibles to save – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Toyota. Examples of some claims that would be covered could be a broken windshield, flood damage, and rolling your vehicle. Deductibles for physical damage are how much you are required to pay before a claim is paid by your company. The more damage repair cost the insured has to pay upfront, the less your insurance will be.
Toyota Sequoia statistical loss data – Insurers analyze past claim statistics to help calculate a profitable premium price. Models that the data shows to have higher claim frequency or loss amount will be charged more to insure. The table below shows the historical loss data for Toyota Sequoia vehicles.
For each policy coverage type, the claim amount for all vehicles, without regard to make or model, is represented as 100. Percentages below 100 imply a favorable loss record, while values that are above 100 indicate more frequent losses or tendency to have higher losses.
|Specific Toyota Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Toyota Sequoia 4dr 2WD||70||103||80||57|
|Toyota Sequoia 4dr 4WD||82||115||96||57||50||77|
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Car insurance agents are trained to help
Certain consumers still prefer to talk to a local agent and that is OK! Licensed agents can make sure you are properly covered and give you someone to call. A nice benefit of getting online price quotes is that you can find cheap auto insurance rates but also keep your business local. And providing support for local agencies is still important in Corpus Christi.
Upon completion of this quick form, the coverage information is submitted to participating agents in Corpus Christi who will return price quotes to get your business. It simplifies rate comparisons since you won’t have to do any legwork since price quotes are sent to you instantly. If you want to get a rate quote from a specific insurance company, you would need to jump over to their website and complete a quote there.
If you would like to find a reliable insurance agency, you need to know there are two different types of agencies to choose from. Corpus Christi agents are categorized either exclusive or independent (non-exclusive). Either one can insure your vehicles properly, but it’s worth mentioning how they are different since it may influence which type of agent you select.
Independent Agencies or Brokers
Independent insurance agents can sell policies from many different companies so they can quote policies with many different companies enabling the ability to shop coverage around. If they find a cheaper price, they can switch companies in-house and you stay with the same agent. If you are comparing auto insurance prices, we highly recommend that you get some free quotes from at a minimum one independent agency to get the best comparison.
Shown below is a small list of independent insurance agencies in Corpus Christi that may be able to provide rate quotes.
These type of agents write business for a single company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot give you multiple price quotes so they have no alternatives for high prices. Exclusive agents are well schooled on their products and sales techniques which helps overcome the inability to quote other rates.
Listed below is a short list of exclusive insurance agencies in Corpus Christi willing to provide price quote information.
Deciding on an insurance agency shouldn’t rely on just the price. Any agent in Corpus Christi should be forthright in answering these questions:
- Do you work with a CSR or direct with the agent?
- Do they have designations such as AIC, CPCU, or CIC?
- Does the agency have a good rating with the Better Business Bureau?
- Do the coverages you’re quoting properly cover your vehicle?
- What is the financial rating for the quoted company?
- Is their price quote a firm figure or are their hidden costs?
Best auto insurance company in Texas
Selecting a good quality insurance company is hard considering how many choices there are in Texas. The company information listed below can help you choose which insurers to look at purchasing from.
Top 10 Corpus Christi Car Insurance Companies by A.M. Best Rank
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
Top 10 Corpus Christi Car Insurance Companies Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
Cheaper Toyota Sequoia insurance in Corpus Christi can be found on the web in addition to many Corpus Christi insurance agents, and you should be comparing both to get a complete price analysis. Some companies may not provide internet price quotes and these smaller providers only sell through independent agents.
We’ve covered some good ideas how to reduce Toyota Sequoia insurance car insurance rates online in Corpus Christi. The key thing to remember is the more rate comparisons you have, the better likelihood of getting low cost Corpus Christi auto insurance quotes. Drivers may even discover the lowest car insurance rates are with some of the smallest insurance companies. Some small companies may often insure only within specific states and give better rates than their larger competitors like State Farm, GEICO and Nationwide.
More detailed insurance information is available at these sites:
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance Rates for College Students in Corpus Christi? (FAQ)
- How Much is Corpus Christi Auto Insurance for 18 Year Olds? (FAQ)
- What Car Insurance is Cheapest for Teenage Males in Corpus Christi? (FAQ)
- Who Has Cheap Corpus Christi Auto Insurance Rates for Welfare Recipients? (FAQ)
- Who Has Cheap Corpus Christi Auto Insurance Rates for Drivers with Good Credit? (FAQ)
- Who Has the Cheapest Corpus Christi Car Insurance for a Honda CR-V? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- Airbag FAQ (iihs.org)
- Uninsured Motorist Statistics (Insurance Information Institute)