Is Your Corpus Christi Texas Car Insurance Leaving a Hole in Your Pocket?

Are you confused by the wide range of car insurance company choices in Corpus Christi? Lot’s of other consumers are too. You have so many choices that it can be more work than you anticipated to find the perfect company for you.

Corpus Christi Car Insurance Quote Comparison

There are several ways of comparing price quotes from car insurance companies in your area. The best way to find the lowest rates consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.

One of the best ways to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This type of form keeps you from doing repetitive form submissions for each company you want a rate for. A single, simple form will return price quotes from all major companies. Just one form and you’re done.

A more time consuming way to compare rate quotes requires a trip to the website for every company you want to comare and fill out their own quote form. For sake of this example, let’s say you want rates from USAA, State Farm and Farmers. To get each rate you have to visit each site to input your insurance information, and that’s why the first method is more popular.

For a list of links to companies insuring cars in Corpus Christi, click here.

It’s your choice how you get your quotes, but ensure you’re using the exact same quote information for each comparison quote. If you are comparing different values for each quote it’s not possible to truly determine the lowest rate in Corpus Christi. Quoting even small variations in limits can make a big difference in price. Just remember that comparing more company’s prices will improve the odds of getting the best offered rates.

Don’t miss these discounts

Car insurance companies don’t list every available discount very well, so we break down both the well known and the harder-to-find discounts you could be receiving.

  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount with select insurance companies.
  • Sign Early and Save – Some insurance companies reward drivers for signing up prior to your current policy expiring. It can save you around 10%.
  • More Vehicles More Savings – Having multiple cars or trucks on the same car insurance policy could earn a price break for each car.
  • Club Memberships – Participating in a qualifying organization could qualify you for a break on your policy.
  • Resident Student – Kids in college who are attending college and don’t have a car can be insured at a reduced rate.
  • No Claims – Drivers who don’t have accidents pay less when compared with frequent claim filers.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, you’re out of luck.

Corpus Christi Rates are Influenced by These Factors

An important part of buying insurance is that you know the different types of things that help determine the price you pay for car insurance. Understanding what controls the rates you pay allows you to make educated decisions that can help you get better car insurance rates.Corpus Christi TX insurance prices

  • Males pay more for insurance – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes are in accidents in similar percentages, but the men cause more damage. Men also statistically get cited for more serious violations such as reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high car insurance rates.
  • Performance level impacts rates – The type of car you own makes a huge difference in the rate you pay. Economy passenger cars usually have the lowest rates, but there are many factors that impact the final cost.
  • Marriage brings a discount – Getting married helps lower the price on car insurance. It means you’re more responsible and it’s statistically proven that being married results in fewer claims.
  • Tickets mean higher rates – Your driving record has a big impact on rates. Even a single citation can bump up the cost twenty percent or more. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Drivers who get severe violations like DUI or reckless driving may be required to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Don’t skimp on liability – Your policy’s liability coverage will protect you when a jury decides you are liable for damages caused by your negligence. Liability insurance provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
  • Your stress level may be raising your rates – Did you know your car insurance rates can be affected by your occupation? Occupations like judges, architects and financial analysts tend to pay higher average rates because of stressful work requirements and long work days. Conversely, occupations such as scientists, engineers and performers have the lowest average rates.
  • Lower rates come with age – Older insureds are more cautious drivers, tend to cause fewer accidents and are safer drivers. Young drivers tend to be careless and easily distracted when behind the wheel therefore car insurance rates are much higher.
  • Never go without insurance – Allowing your coverage to lapse will be a sure-fire way to bump up your car insurance costs. Not only will you pay more, getting caught without coverage can result in a license revocation or jail time.You may need to submit proof of financial responsibility or a SR-22 with the Texas department of motor vehicles.

When might I need help?

When choosing the best car insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining whether your personal situation may require specific advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I getting all the discounts available?
  • Does my car insurance cover rental cars?
  • How much underlying liability do I need for an umbrella policy?
  • How can I get high-risk coverage after a DUI?
  • How high should my medical payments coverage be?
  • Who is covered when they drive my vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

Additional detailed information can be read at the Texas Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, view a list of available companies, discover disciplinary actions, and read state legal mandates and laws.

More related Corpus Christi car insurance information:

The car insurance bait and switch

Companies like State Farm, GEICO and Progressive regularly use ads on television and other media. All the ads say the same thing that you’ll save big if you move your policy. How do they all make the same claim?

Insurance companies are able to cherry pick for the right customer that earns them a profit. For example, a profitable customer might be between 25 and 40, has no prior claims, and has excellent credit. A propective insured who matches those parameters is entitled to the best price and most likely will save when switching.

Corpus Christi TX insurance prices

Drivers who don’t qualify for the “perfect” profile will be charged higher premiums and ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everybody who quotes” save money. That’s the way companies can state the savings. That is why it is so important to get as many quotes as possible. It’s not possible to predict which company will fit your personal profile best.

Final considerations

When buying insurance coverage, you should never buy poor coverage just to save money. There are too many instances where drivers have reduced liability coverage limits to discover at claim time they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at an affordable rate.

Discount car insurance is definitely available on the web and with local Corpus Christi insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some car insurance companies do not offer online price quotes and these small insurance companies work with independent agents.

Drivers who switch companies do it for any number of reasons including policy cancellation, lack of trust in their agent, high prices or even being labeled a high risk driver. Regardless of your reason, finding a new car insurance company is actually quite simple.