Are you doing reasearch to find low-cost Toyota Sienna insurance in Corpus Christi? If shopping for Corpus Christi car insurance quotes online is new to you, you can easily be confused by the vast number of online companies who all claim to have the lowest rates for Toyota Sienna insurance in Corpus Christi.
It’s hard to fathom, but the vast majority of consumers in Texas have stayed with the same insurance company for a minimum of four years, and almost 40% of drivers have never quoted rates to find cheaper coverage. American insurance shoppers can save 47% each year just by shopping around, but most tend to underestimate how much money they would save if they moved their coverage to a different company.
Consumers should take time to price shop coverage on a regular basis since rates are adjusted regularly by insurance companies. Even if you got the best premium rates on Toyota Sienna insurance in Corpus Christi at your last renewal you may be paying too much now. You can search a lot of Sienna insurance out there, but we’re going to give you some proven techniques to reduce your auto insurance bill.
To find affordable Toyota Sienna insurance quotes, there are several ways to compare quotes from auto insurance companies in your area. By far the easiest way to compare Toyota Sienna insurance prices is to get quotes online.
Just remember that comparing all the rates in your area will enable you to find more affordable insurance. Some companies don’t provide online price quotes, so it’s important to compare prices from those companies as well.
The following companies are ready to provide price quotes in Corpus Christi, TX. If multiple companies are listed, we recommend you get rates from several of them in order to get a fair rate comparison.
Why you need insurance
Even though it’s not necessarily cheap to insure a Toyota in Corpus Christi, paying for insurance is required in Texas but it also protects you in many ways.
- Just about all states have compulsory liability insurance requirements which means you are required to buy a specific level of liability coverage if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your vehicle has a lienholder, most lenders will require that you have full coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank will be required to insure your Toyota at an extremely high rate and require you to reimburse them for it.
- Insurance protects not only your Toyota Sienna but also your assets. It will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If you have damage to your Toyota as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.
The benefits of buying enough insurance are definitely more than the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver overpays as much as $800 each year so it’s recommended you shop around at least once a year to help ensure money is not being wasted.
Detailed insurance information
The coverage table displayed next covers detailed analysis of insurance rates for Toyota Sienna models. Learning a little about how insurance quotes are formulated can be valuable when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $180 | $392 | $400 | $24 | $120 | $1,116 | $93 |
| Sienna LE | $206 | $392 | $400 | $24 | $120 | $1,142 | $95 |
| Sienna LE AWD | $206 | $392 | $400 | $24 | $120 | $1,142 | $95 |
| Sienna XLE | $206 | $392 | $400 | $24 | $120 | $1,142 | $95 |
| Sienna XLE AWD | $206 | $462 | $400 | $24 | $120 | $1,212 | $101 |
| Sienna Limited | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| Sienna Limited AWD | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in specific Corpus Christi garaging location which can influence price quotes significantly.
Can higher deductibles save money?
A question often asked by Corpus Christi drivers is which comprehensive and collision deductibles to buy. The figures shown below sum up the differences in price when you select higher and lower policy deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $256 | $496 | $382 | $22 | $114 | $1,295 | $108 |
| Sienna LE | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Sienna LE AWD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Sienna XLE | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Sienna XLE AWD | $294 | $584 | $382 | $22 | $114 | $1,421 | $118 |
| Sienna Limited | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Sienna Limited AWD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sienna CE | $208 | $400 | $382 | $22 | $114 | $1,126 | $94 |
| Sienna LE | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Sienna LE AWD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Sienna XLE | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Sienna XLE AWD | $240 | $472 | $382 | $22 | $114 | $1,230 | $103 |
| Sienna Limited | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Sienna Limited AWD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Table data does not factor in your specific Corpus Christi location which can influence coverage rates substantially.
Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you roughly $15 more each month or $180 a year than quoting the higher $500 deductible. Since you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average at least 17 months between claim filings, you would come out ahead if you choose the higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $250 deductibles: | $115 |
| Average monthly premium for $500 deductibles (subtract): | – $100 |
| Monthly savings from raising deductible: | $15 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $15 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One important note is that a higher deductible level means you will have to pay more of your own money if you have a claim. You should have enough savings in order to pay the higher deductible in order to repair your vehicle.
The example below highlights how deductible selection and can increase or decrease Toyota Sienna yearly insurance costs for different age groups. The data is based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Drive safe and save
The chart below shows how violations and at-fault collisions can influence Toyota Sienna insurance premiums for different categories of driver ages. Data assumes a single male driver, full coverage, $250 deductibles, and no policy discounts are applied.
Full coverage versus liability only rates
The example below shows the difference between Toyota Sienna auto insurance rates with full physical damage coverage and with liability coverage only. The prices are based on no claims or driving citations, $1,000 deductibles, single marital status, and no additional discounts are factored in.
When to buy liability coverage only
There is no definitive guideline of when to exclude physical damage coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s say your Toyota Sienna book value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after you pay the deductible. If you are paying more than $400 a year for your policy with full coverage, then it might be time to buy liability only.
There are a few cases where dropping physical damage coverage is not advised. If you still owe a portion of the original loan, you have to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not eliminate full coverage.
Discounts for affordable car insurance quotes
Some providers do not advertise all discounts in an easy-to-find place, so we researched a few of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy Corpus Christi car insurance online.
- Discount for New Cars – Buying car insurance coverage on a new vehicle can get you a discount due to better safety requirements for newer models.
- Senior Discount – Older drivers are able to get a small decrease in premiums.
- Defensive Driving Course – Completing a defensive driver course can save you 5% or more and also improve your driving technique.
- Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class as it can save substantially.
- Government Employees – Federal government employees could provide a small rate reduction with some car insurance companies.
One last thing about discounts, some credits don’t apply to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, that’s just not realistic. But all discounts will bring down your overall premium however.
The information below shows the comparison of Toyota Sienna insurance rates with and without some available policy discounts. The data is based on a male driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, claim-free, multi-car, safe-driver, and multi-policy discounts applied.
Companies and the discounts they provide are shown below.
- State Farm offers discounts for student away at school, anti-theft, good student, multiple autos, passive restraint, multiple policy, and accident-free.
- Progressive has savings for multi-vehicle, multi-policy, online quote discount, continuous coverage, and online signing.
- Progressive offers discounts including continuous coverage, online signing, multi-vehicle, homeowner, and multi-policy.
- MetLife may include discounts for good student, defensive driver, multi-policy, good driver, and claim-free.
- Farm Bureau policyholders can earn discounts including good student, 55 and retired, youthful driver, safe driver, multi-policy, and multi-vehicle.
- GEICO may offer discounts for federal employee, membership and employees, multi-vehicle, defensive driver, daytime running lights, driver training, and seat belt use.
- SAFECO has discounts for multi-car, accident prevention training, drive less, teen safety rewards, and teen safe driver.
When comparing rates, check with each company or agent how you can save money. Some of the earlier mentioned discounts might not apply in Corpus Christi. To find car insurance companies who offer discounts in Corpus Christi, click here.
When should I talk to an insurance agent?
Many people would rather sit down and talk to an agent and doing so can bring peace of mind A nice benefit of getting free rate quotes online is the fact that drivers can get cheap insurance quotes and also buy local. Buying from and supporting small agencies is definitely important in Corpus Christi.
To find an agent, once you fill out this quick form, the quote information is instantly submitted to agents in your area who will return price quotes for your insurance coverage. There is no reason to contact any agents because quoted prices will be sent to the email address you provide. You’ll get the best rates without the usual hassles of price shopping. If you need to get a comparison quote from a specific insurance provider, you just need to search and find their rate quote page and submit a quote form there.
If you’re trying to find local Corpus Christi agents, it’s helpful to know the types of insurance agents to choose from. Insurance agents may be either exclusive agents or independent agents.
Independent Insurance Agents
Agents in the independent channel can sell policies from many different companies so as a result can place your coverage through lots of different companies and find you the best rates. If you are not satisfied with one company, they simply move your policy to a different company and you won’t have to switch agencies. When comparison shopping, we recommend you get insurance quotes from a few independent agents to maximize your price options. Many independent agencies also insure through smaller regional carriers which could offer lower prices.
Listed below are independent agents in Corpus Christi who may provide rate quotes.
- Binyon Insurance Agency, LLC
9922 Leopard St #202 – Corpus Christi, TX 78410 – (361) 241-3748 – View Map - A to Z Insurance Group
5625 Betty Jean Dr – Corpus Christi, TX 78411 – (361) 853-7568 – View Map - Mc Kenzie and Shell Insurance
4444 Corona Dr # 103 – Corpus Christi, TX 78411 – (361) 854-3046 – View Map
Exclusive Agencies
Agents that elect to be exclusive generally can only insure with one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot provide other company’s prices so keep that in mind. Exclusive insurance agents are highly trained on what they offer which helps them compete with independent agents. Consumers frequently buy from exclusive agents partially due to the brand legacy and strong financial ratings.
Shown below are exclusive agencies in Corpus Christi willing to provide comparison quotes.
- Farmers Insurance – Ruben Bonilla
2727 Morgan Ave #300 – Corpus Christi, TX 78405 – (361) 881-1033 – View Map - Allstate Insurance: Al Armadillo
5656 S Staples St #300 – Corpus Christi, TX 78411 – (361) 985-7488 – View Map - Jessica Kelly – State Farm Insurance Agent
5337 Yorktown Blvd #2b – Corpus Christi, TX 78413 – (361) 854-3225 – View Map
Picking the best car insurance agent should include more criteria than just a cheap price. Before buying a policy in Corpus Christi, get answers to these questions.
- Is the coverage adequate for your vehicle?
- Do they have cheaper tiers of coverage?
- In the event of vehicle damage, can you pick the collision repair facility?
- Do they have 24-hour customer assistance?
- Are they able to influence company decisions when a claim is filed?
- How many years of experience in personal auto insurance do they have?
Special considerations
When buying coverage online or from an agent, there really is not a best way to insure your cars. Your needs are unique to you.
These are some specific questions may help highlight if your insurance needs might need professional guidance.
- When can I cancel my policy?
- Should I have a commercial auto policy?
- Who does medical payments coverage extend to?
- Is pleasure use cheaper than using my Toyota Sienna to commute?
- Can my teen driver be rated on a liability-only vehicle?
- Am I covered when pulling a rental trailer?
- Where can I find high-risk insurance?
- Is a fancy paint job covered?
- Does coverage follow the driver or the vehicle?
- Does car insurance cover theft of personal property?
If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form.
Cheap auto insurance prices are available
Throughout this article, we presented some good ideas how you can shop for Toyota Sienna insurance online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding the cheapest Toyota Sienna rate quotes. You may even be surprised to find that the best price on auto insurance is with the least-expected company.
Drivers change insurance companies for a number of reasons such as high prices, delays in paying claims, delays in responding to claim requests and even poor customer service. It doesn’t matter why you want to switch finding a new auto insurance company can be easy and end up saving you some money.
Some auto insurance companies may not provide the ability to get a quote online and most of the time these smaller companies provide coverage only through local independent agents. Cheaper Toyota Sienna insurance in Corpus Christi can be bought both online in addition to many Corpus Christi insurance agents, and you should compare price quotes from both to have the best selection.
How to find better rates for Toyota Sienna insurance in Corpus Christi
It takes a few minutes, but the best way to get discount Toyota Sienna insurance is to start doing a yearly price comparison from different companies that insure vehicles in Corpus Christi. You can compare prices by following these steps.
First, get a basic knowledge of what coverages are included in your policy and the things you can change to lower rates. Many factors that drive up the price such as traffic tickets, fender benders, and poor credit rating can be eliminated by making small lifestyle or driving habit changes.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes from multiple companies.
Third, compare the new quotes to the premium of your current policy and see if there is a cheaper rate. If you can save some money and switch companies, make sure coverage does not lapse between policies.
A key point to remember is to try to compare the same coverage limits and deductibles on each quote request and and to get rates from as many companies as you can. This provides an accurate price comparison and a complete rate analysis.
More information is available below:
- Side Impact Crash Tests (iihs.org)
- Who Has the Cheapest Corpus Christi Car Insurance Quotes for Teenagers? (FAQ)
- Who Has Affordable Corpus Christi Car Insurance Rates for College Graduates? (FAQ)
- Who Has Cheap Corpus Christi Car Insurance for a Toyota Camry? (FAQ)
- How Much are Corpus Christi Car Insurance Rates for a Toyota RAV4? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Ford Fusion in Corpus Christi? (FAQ)
- Insuring a Leased Car (Insurance Information Institute)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Auto Insurance 101 (About.com)