Find Cheaper Honda CR-V Insurance in Corpus Christi

I really doubt anyone looks forward to paying for insurance, in particular when it costs too dang much.

A recent survey discovered that almost 70% of drivers have been with the same company for four years or more, and 38% of drivers have never compared rates with other companies. The average driver in Corpus Christi can save hundreds of dollars each year just by getting comparison quotes, but they just don’t understand how easy it is to compare rates and save money.

Lots of insurers contend for your hard-earned dollar, so it’s not easy to compare every insurer and get the definite cheapest price on Honda CR-V insurance in Corpus Christi.

It’s a good idea to check insurance prices yearly since insurance prices change quite often. If you had the best deal on Honda CR-V insurance in Corpus Christi a few years ago the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about insurance because you’re about to find out the best methods to save money, get proper deductibles and limits, all at the lowest rate.

Auto insurance providers offering low-cost prices in Texas

The providers in the list below are ready to provide price quotes in Corpus Christi, TX. To find the best cheap auto insurance in TX, we suggest you visit two to three different companies to get a more complete price comparison.

Facts and figures for Honda CR-V insurance

The data table shown next highlights estimates of coverage costs for Honda CR-V models. Understanding more about how rate quotes are figured can benefit drivers when making decisions on the best policy coverages.

Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Premium amounts do not factor in specific location which can affect premium rates substantially.

Should you raise deductibles?

A question often asked by Corpus Christi drivers is which comprehensive and collision deductibles to buy. The following insurance rates illustrate the rate difference when you choose different insurance deductibles. The first pricing table uses a $250 deductible for comp and collision and the second set of rates uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Table data does not factor in vehicle location which can change coverage rates considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $13 more each month or $156 annually than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 19 months between claim filings, you would probably come out ahead by going with a higher deductible. The table below shows a better example of how you can decide this on your own policy.

An important sidenote is that raising deductibles to save money results in more money out-of-pocket when you have a comprehensive or collision claim. You need to make sure you have enough extra savings in the event you have to pay the deductible to have repairs made.

The diagram below highlights how deductible selection and can raise or lower Honda CR-V insurance rates for each different age group. Data assumes a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Males versus Females

The example below illustrates the difference between Honda CR-V insurance prices for male and female drivers. The premiums assume no violations or claims, comp and collision included, $100 deductibles, single marital status, and no discounts are taken into consideration.

Discount Corpus Christi insurance rates

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that you may not know about. A few discounts will be applied at quote time, but some may not be applied and must be specially asked for in order for you to get them.

• Early Renewal Discounts – Some larger companies reward drivers for renewing your policy prior to your current CR-V insurance policy expiring. You could save around 10% when you buy Corpus Christi auto insurance online.
• Smart Student Discounts – Performing well in school could provide a savings of up to 20% or more. This discount can apply until age 25.
• Clubs and Organizations – Participating in a civic or occupational organization in Corpus Christi may earn a discount on your bill.
• Onboard Data Collection – Corpus Christi drivers who agree to allow companies to look at driving patterns by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates if they have good driving habits.
• Military Rewards – Being deployed in the military could trigger a small discount.
• Anti-lock Brake Discount – Cars with ABS braking systems or traction control can stop better under adverse conditions and earn discounts up to 10%.
• No Charge for an Accident – This one isn’t a discount, but some insurance companies permit an accident without raising rates so long as you are claim-free before the accident.
• Early Payment Discounts – By paying your policy upfront rather than paying in monthly installments you can avoid monthly service charges.

It’s important to note that most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. If you do the math and it seems like all those discounts means the company will pay you, you aren’t that lucky.

The example below shows the comparison of Honda CR-V insurance costs with and without some available policy discounts. Data assumes a female driver, no violations or accidents, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, marriage, safe-driver, homeowner, and multi-car discounts applied.

Companies and their offered discounts are detailed below.

• State Farm discounts include Steer Clear safe driver discount, safe vehicle, student away at school, passive restraint, accident-free, good student, and Drive Safe & Save.
• Progressive policyholders can earn discounts including homeowner, online quote discount, multi-policy, multi-vehicle, and continuous coverage.
• Travelers offers premium reductions for new car, save driver, continuous insurance, driver training, and early quote.
• American Family offers discounts for air bags, good student, TimeAway discount, defensive driver, bundled insurance, and good driver.
• Liberty Mutual offers discounts including multi-policy, new vehicle discount, new graduate, exclusive group savings, newly married, new move discount, and teen driver discount.

Check with each insurance company which discounts they offer. Some discounts might not be offered in Corpus Christi. To see a list of companies that offer some of these discounts in Texas, follow this link.

Buy Honda CR-V Insurance at a Discount

Many things are used when quoting car insurance. Most are fairly basic like an MVR report, but other criteria are more transparent such as your credit history or your commute time. A large part of saving on car insurance is knowing the rating factors that help calculate your policy premiums. If you have a feel for what controls the rates you pay, this empowers consumers to make smart changes that may result in lower car insurance prices.

The following are a partial list of the pieces used by your company to calculate your rate level.

Prices impacted by your city – Being located in a rural area has it’s advantages when buying car insurance. People in densely populated areas tend to have congested traffic and much longer commute distances. Fewer people translates into fewer accidents and a lower car theft rate.

Rates are impacted by vehicle performance – The type of vehicle you are insuring makes a significant difference in your rates. The lowest premiums will generally be found on economy passenger cars, but your final cost has many other factors.

The following chart assumes a single male driver age 30, full coverage with $250 deductibles, and no discounts or violations. It shows Honda CR-V insurance premiums compared to other models of vehicles that have a range of performance rating factors.

Low comp and collision deductibles cost more – Comprehensive and collision coverage deductibles are the amount of money you are required to spend before your car insurance pays a claim. Insurance for physical damage to your car, also called comprehensive and collision insurance, is used to repair damage to your car. Some coverage claims are a windshield broken by a bird, damage from fire, and damage caused by road hazards. The more of the claim you’re willing to pay, the lower your rates will be.

Allowing your car insurance policy to lapse raises premiums – Not maintaining insurance is a big no-no and as a result your rates will increase for letting your coverage lapse. Not only will you pay more, not being able to provide proof of insurance could result in fines and jail time.

Cheaper rates after marriage – Having a wife or husband may earn you lower rates on your car insurance bill. It usually means you are more financially stable and insurance companies reward insureds because married couples file fewer claims.

Insurance loss statistics a Honda CR-V – Insurers analyze the history of losses when setting premium costs. Models that the data shows to have increased losses will have higher premium rates.

The table shown below demonstrates the historical insurance loss data for Honda CR-V vehicles. For each coverage type, the statistical loss for all vehicles, as a total average, is set at 100. Values that are below 100 suggest a better than average loss history, while numbers that are greater than 100 indicate more frequent claims or an increased probability of a larger loss.

Car insurance is unique, just like you

When it comes to the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different and your car insurance should be unique as well.
These are some specific questions might help in determining if your situation might need an agent’s assistance.

• Am I covered when pulling a rental trailer?
• What is the rate difference between pleasure use and commuting?
• I have health insurance so do I need medical payments coverage?
• Why am I be forced to buy a membership to get insurance from some companies?
• Can I rent a car in Mexico?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I need replacement cost coverage?
• What if I owe more than I can insure my car for?
• Does my policy pay for OEM or aftermarket parts?
• Should I bundle my homeowners policy with my auto?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Compare rate quotes but buy from a local Corpus Christi insurance agent

Certain consumers still like to get advice from a local agent and that can be a smart move One of the best bonuses of comparing auto insurance online is that you can find cheaper rates and still buy from a local agent. And providing support for local agencies is especially important in Corpus Christi.

For easy comparison, once you complete this form (opens in new window), your information is submitted to local insurance agents in Corpus Christi who will give you quotes and help you find cheaper coverage. There is no need to contact any agents since price quotes are sent immediately to you. You can most likely find cheaper rates AND an agent nearby. If you want to get a rate quote from a specific insurance company, you just need to visit that company’s website and submit a quote form there.

Independent or Exclusive: It’s your choice

When researching a reputable insurance agent or broker, you need to know there are two different types of agents that you can choose from. Insurance agencies in Corpus Christi can be classified as either independent or exclusive depending on the company they work for.

Independent Agents (or Brokers)

Agents that elect to be independent often have affiliation with several companies so as a result can place your coverage through many companies and get the cheapest rates. If you want to switch companies, your agent can just switch to a different company and you don’t have to switch agencies. If you need cheaper auto insurance rates, you definitely need to check rates from at a minimum one independent agency for the best price selection.

The following is a list of independent insurance agents in Corpus Christi that can give you free price quotes.

View more agents

Exclusive Insurance Agents

Agents in the exclusive channel work for only one company like Farmers Insurance and State Farm. Exclusive agents cannot give you multiple price quotes so they have to upsell other benefits. These agents are well schooled on their company’s products which helps them sell insurance even at higher premiums.

Shown below are exclusive insurance agencies in Corpus Christi who can help you get rate quotes.

View more agents

Finding the right insurance agency should depend on more than just a cheap price quote. The questions below may impact your decision as well.

• What company do they have the most business with?
• How many companies do they write for?
• Is insurance their full-time profession?
• Do you need full coverage on every vehicle?
• Do they see any coverage gaps in your plan?
• Is there any savings for paying the full premium?
• Do they have any clout with companies to ensure a fair claim settlement?
• Do they review policy coverages at every renewal?

Corpus Christi car insurance company ratings

Selecting a highly-rated car insurance provider can be a challenge considering how many different insurance companies sell coverage in Texas. The company ratings displayed below could help you choose which insurers you want to consider when shopping your coverage around.

Top 10 Corpus Christi Car Insurance Companies Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Persistence pays off

A few companies do not provide price quotes online and most of the time these regional insurance providers prefer to sell through independent insurance agencies. Cheaper Honda CR-V insurance in Corpus Christi can be found both online as well as from independent agents in Corpus Christi, and you should be comparing both to have the best selection.

When searching for cheaper Corpus Christi auto insurance quotes, do not reduce coverage to reduce premium. In too many instances, drivers have reduced uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at the lowest possible cost, not the least amount of coverage.

We’ve covered many ideas to compare Honda CR-V insurance rates in Corpus Christi. The most important thing to understand is the more providers you compare, the better likelihood of getting affordable Corpus Christi auto insurance quotes. Drivers may even discover the lowest rates come from a smaller regional carrier. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

How to find affordable quotes for Honda CR-V insurance in Corpus Christi

Truthfully, the best way to find low-cost prices for Honda CR-V insurance is to compare prices regularly from different companies in Corpus Christi.

• Step 1: Take a little time to learn about auto insurance and the steps you can take to lower rates. Many risk factors that are responsible for high rates like traffic violations, accidents, and a poor credit rating can be remedied by making small lifestyle or driving habit changes.
• Step 2: Compare price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from one company like GEICO and State Farm, while agents who are independent can quote prices from many different companies. Find a Corpus Christi insurance agent
• Step 3: Compare the new rates to your existing coverage to see if a cheaper price is available in Corpus Christi. If you find a better price and switch companies, make sure there is no coverage gap between policies.
• Step 4: Provide written notification to your current company of your intention to cancel your current auto insurance policy and submit payment and a signed application to the newly selected company. Once the paperwork is finalized, place your new proof of insurance certificate with the vehicle registration.

An important note is to make sure you enter the same coverage limits and deductibles on each quote request and and to get price quotes from as many companies as you can. This guarantees an accurate price comparison and a complete price analysis.

For more information, link through to the articles below:

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
• Who Has the Cheapest Corpus Christi Auto Insurance for Police Officers? (FAQ)
• Who Has Affordable Corpus Christi Car Insurance Quotes for a Kia Optima? (FAQ)
• Cellphones, Texting and Driving (iihs.org)
• Senior Drivers (Insurance Information Institute)
• Credit Impacts Car Insurance Rates (State Farm)