Purchasing the lowest cost Corpus Christi Chevy Camaro insurance quotes can appear to be problematic for beginners to comparing rates online. Since there are so many companies, how can you be able to compare every one to find lower insurance premiums?
A recent NerdWallet.com study revealed that a large majority of drivers kept their coverage with the same insurance company for at least the last four years, and virtually 40% of consumers have never compared rate quotes at all. With the average insurance premium being $2,680, Corpus Christi drivers could save nearly 70% a year just by comparing rates, but they don’t know how much they could save if they switch to a new company.
Best companies for low-cost Chevy Camaro insurance in Texas
The companies shown below are ready to provide free rate quotes in Texas. To get cheaper car insurance in Corpus Christi, it’s highly recommended you get prices from several of them to get the most affordable price.
Premium rates and analysis
The data table displayed below highlights estimates of insurance rates for Chevy Camaro models. Learning how car insurance prices are established can assist in making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camaro LS | $228 | $452 | $514 | $30 | $154 | $1,378 | $115 |
| Camaro LT | $228 | $452 | $514 | $30 | $154 | $1,378 | $115 |
| Camaro SS | $254 | $520 | $514 | $30 | $154 | $1,472 | $123 |
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in specific garaging location which can alter premium rates greatly.
Comparison of policy deductibles
When buying car insurance, a common question is at what level do you set your deductibles. The rates shown below help summarize how much more you’ll pay when you choose different coverage deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camaro LS | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Camaro LT | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Camaro SS | $412 | $804 | $382 | $22 | $114 | $1,759 | $147 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Camaro LS | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Camaro LT | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Camaro SS | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price information does not factor in specific location information which can raise or lower price quotes noticeably.
We can derive from the above data that using a $100 deductible costs roughly $30 more each month or $360 each year averaged for all Camaro models than quoting the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 13 months between claim filings, you would save more money if you decide on a higher deductible. The numbers below show an example of how you can make your own decision.
| Average monthly premium for $100 deductibles: | $138 |
| Average monthly premium for $500 deductibles (subtract): | – $108 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
One big caveat is that a higher deductible results in more money out-of-pocket when you do file a claim. That will force you to have some extra savings in order to pay the higher deductible in order to repair your vehicle.
The diagram below shows how choosing a deductible and can influence Chevy Camaro insurance premiums for different age groups. The prices are based on a single female driver, full coverage, and no policy discounts are applied.
Comparison of full coverage and liability-only policies
The information below compares Chevy Camaro insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The data assumes no claims or driving citations, $500 deductibles, drivers are single, and no policy discounts are applied.
When to switch to liability coverage only
There is no definitive formula to delete comp and collision coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s pretend your Chevy Camaro claim settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $4,000 after the deductible is paid. If you are paying over $400 annually for physical damage coverage, then it might be time to buy liability only.
There are some situations where removing full coverage is not financially feasible. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Why Smart Buyers Pay Less for Chevy Camaro Insurance
Smart consumers have a good feel for the rating factors that aid in calculating the level of your policy premiums. If you have some idea of what impacts premium levels, this enables you to make decisions that can earn you lower auto insurance prices. Lots of factors are used in the calculation when quoting car insurance. Some are pretty understandable like an MVR report, but some are more transparent like your continuous coverage and annual miles driven.
The items below are some of the most rate-impacting factors companies use to determine your prices.
Are women or men drivers cheaper? – Statistics show that women are safer drivers than men. It does not mean men are worse drivers. Males and females get in fender benders at a similar rate, but men tend to have higher claims. They also get cited for more serious violations like DWI (DUI) or reckless driving. Youthful male drivers are most likely to cause an accident so they pay the highest premiums.
The information below visualizes the comparison of Chevy Camaro premium costs for male and female drivers. The costs are based on no claims, a clean driving record, comp and collision included, $500 deductibles, single marital status, and no policy discounts are applied.
Raise comp and collision deductibles and save – Comprehensive and collision coverage deductibles are how much you are required to spend out-of-pocket if a claim is determined to be covered. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of covered claims are a windshield broken by a bird, animal collisions, or theft of your vehicle. The more damage repair cost you pay before a claim is paid (deductible), the better rate you will receive.
Safer occupants lowers rates – Cars with five star safety ratings tend to have better insurance rates. Safe vehicles result in less severe injuries and fewer serious injuries means your insurance company pays less and cheaper rates on your policy.
The type of car makes a difference – The make and model of the vehicle you are insuring makes a significant difference in your premium level. The lowest base rates will normally be found when insuring small economy passenger vehicles, but the final cost of insurance is determined by many other factors.
The following data assumes a single male driver age 20, full coverage with $250 deductibles, and no discounts or violations. It shows Chevrolet Camaro insurance rates compared to other models that have different performance rating factors.
Premiums are lower the older you get – Older, more experienced drivers are shown to be more cautious, tend to file fewer claims, and get fewer tickets. Drivers with little experience tend to be inattentive and easily distracted when at the wheel of a vehicle so auto insurance rates are higher.
The chart below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
What are good liability insurance limits? – Your auto insurance policy’s liability coverage will afford coverage if you are found liable for damages caused by your negligence. Liability provides you with a defense in court to attempt to prove you were not liable. Liability insurance is quite affordable compared to comp and collision, so insureds should have plenty of protection for their assets.
Lower prices with continuous auto insurance coverage – Having a gap between insurance policy dates is a quick way to increase your rates. In addition to paying higher premiums, not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
Insurance losses for a Chevy Camaro – Companies take into consideration historical loss data for every vehicle as a way to help calculate a profitable premium price. Models that tend to have higher number or severity of losses will have a higher premium rate.
The table below shows the actual insurance loss data for Chevy Camaro vehicles. For each insurance policy coverage type, the statistical loss for all vehicles, regardless of make or model, is represented as 100. Values that are below 100 suggest a better than average loss history, while values over 100 point to more frequent losses or larger claims.
| Specific Chevrolet Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Chevrolet Camaro 2dr | 139 | 118 | 123 | 123 | 130 | 127 |
| Chevrolet Camaro Convertible | 92 | 85 | 107 | 85 | 95 | 103 |
| Chevrolet Camaro ZL1 2dr | 222 | 80 | 174 | |||
| Chevrolet Camaro ZL1 Convertible | 111 | 113 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Get affordable Chevy Camaro insurance in Corpus Christi with discounts
Some insurance providers do not list the entire discount list in a way that’s easy to find, so we break down both the well known as well as some of the hidden credits that may apply to you.
- Accident Forgiveness Coverage – This one is not really a discount per se, but certain companies will forgive one accident before raising your premiums if you are claim-free for a set time period.
- Claim Free – Insureds who avoid accidents and claims pay much less as compared to insureds who have frequent claims or accidents.
- Theft Deterrent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.
- Employee of Federal Government – Federal government employees can save as much as 8% depending on your insurance provider.
- Early Switch Discount – Select insurance companies give a discount for renewing your policy before your current expiration date. You can save around 10% with this discount.
A little disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like comprehensive or collision. Just because you may think all the discounts add up to a free policy, you’re out of luck.
The information below illustrates the comparison of Chevy Camaro premium costs with and without discounts applied to the premium. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, homeowner, claim-free, and marriage discounts applied.
To view insurance companies that offer discounts in Corpus Christi, click this link.
Compare prices but buy from a local neighborhood Corpus Christi car insurance agent
A lot of people just prefer to sit down and talk to an agent and that is just fine! One of the best bonuses of price shopping on the web is you can get the lowest rates and still buy from a local agent. And supporting local agents is definitely important in Corpus Christi.
By using this quick form, the coverage information is submitted to companies in Corpus Christi that can provide free Corpus Christi car insurance quotes to get your business. You won’t need to search for any insurance agencies since price quotes are sent instantly to you. You can most likely find cheaper rates and a licensed agent to work with. If you wish to quote rates from a specific car insurance provider, you just need to search and find their rate quote page and fill out the quote form the provide.
What type of Corpus Christi auto insurance agent is right for you?
When researching a reliable agent, you should know the types of insurance agents and how they are slightly different. Insurance agencies in Corpus Christi can be classified as either independent or exclusive depending on the company they work for.
Independent Agents
Agents of this type can quote rates with many companies so they can quote policies with many different companies and potentially find a lower price. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies. When comparing car insurance rates, you definitely need to get several quotes from several independent agencies to have the most options to choose from. Many write coverage with different regional companies which could offer lower prices.
The following is a short list of independent agents in Corpus Christi that can possibly get you competitive price quotes.
- Tejas Auto Insurance
4701 Ayers St #104 – Corpus Christi, TX 78415 – (361) 814-0030 – View Map - Heavin and Associates Insurance Agency
4717 Gollihar Rd – Corpus Christi, TX 78411 – (361) 852-8005 – View Map - Trinity Insurance
4439 Gollihar Rd – Corpus Christi, TX 78411 – (361) 854-8600 – View Map
Exclusive Insurance Agents
Exclusive agencies can usually just insure with one company like American Family, State Farm, and AAA. Exclusive agents cannot compare other company’s rates so if the price isn’t competitive there isn’t much they can do. These agents are highly trained on their products and sales techniques which can be an advantage. Consumers sometimes buy insurance from these agents mostly because of the prominence of the brand and solid financial strength.
The following are exclusive insurance agents in Corpus Christi willing to provide price quotes.
- Farmers Insurance – Jack Alspaugh
5922 Yorktown Blvd, Bldg 2, Corpus Christi 78414 – Bldg 2, TX 78414 – (361) 232-4717 – View Map - State Farm: Curtis Rich
6646 S Staples St #130 – Corpus Christi, TX 78413 – (361) 992-1148 – View Map - Ray Paiz – State Farm Insurance Agent
5425 S Padre Island Dr #122 – Corpus Christi, TX 78411 – (361) 993-3553 – View Map
Finding the right insurance agent is decision based upon more than just the quoted price. A good agent in Corpus Christi will have answers to these questions.
- Will they take your side in the event of a claim?
- What are the financial ratings for the companies they represent?
- Will the company cover a rental car if your car is getting fixed?
- Can glass claims be handled at your home?
- Do they offer accident forgiveness?
Texas auto insurance companies ranked
Selecting a good quality insurance provider is hard considering how many companies sell insurance in Texas. The ranking information shown below may help you decide which car insurance providers you want to consider comparing rate quotes with.
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 Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- The General
- 21st Century
- Esurance
Tailor your insurance coverage to you
When it comes to buying coverage, there is no one-size-fits-all type of policy. Everyone’s situation is unique and your insurance should unique, too.
These are some specific questions can aid in determining whether you could use an agent’s help.
- Does my personal policy cover me when driving out-of-state?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Do I have coverage when pulling a U-Haul trailer?
- Will my rates increase for filing one claim?
- Is my teen driver covered when they drive my company car?
- Should I rate my vehicle as business use?
- How can I get the company to pay a claim?
- Can I pay claims out-of-pocket if I buy high deductibles?
- If I use my vehicle for business use is it covered?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.
How much can you save?
Throughout this article, we presented a lot of tips how to shop for Chevy Camaro insurance online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give better rates than the large multi-state companies such as State Farm or Progressive.
Some car insurance companies do not offer online quoting and usually these small, regional companies prefer to sell through independent agents. Budget-conscious Chevy Camaro insurance can be sourced on the web as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money.
Steps to finding discount Chevy Camaro insurance in Corpus Christi
If you want to save money, the best way to find cheaper car insurance rates in Corpus Christi is to regularly compare prices from insurance carriers in Texas.
Step 1: Take a few minutes and learn about how insurance works and the modifications you can make to keep rates low. Many rating criteria that drive up the price like traffic citations and a bad credit rating can be controlled by making minor driving habit or lifestyle changes.
Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes from many different companies.
Step 3: Compare the price quotes to the premium of your current policy to determine if you can save on Camaro insurance. If you find a lower rate and change companies, verify that coverage does not lapse between policies.
Step 4: Give notification to your current company to cancel your current auto insurance policy. Submit the required down payment along with the signed application for your new policy. Once the paperwork is finalized, place the new certificate of insurance along with the vehicle’s registration papers.
A tip to remember is to try to compare the same level of coverage on every quote request and to quote with every insurance company. This provides a fair price comparison and the most accurate and complete price analysis.
Additional car insurance information can be read on the following sites:
- Rental Car Insurance Tips (Insurance Information Institute)
- What Car Insurance is Cheapest for High Mileage Drivers in Corpus Christi? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Toyota Corolla in Corpus Christi? (FAQ)
- How Much is Car Insurance for Veterans in Corpus Christi? (FAQ)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Auto Crash Statistics (Insurance Information Institute)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Event Data Recorders FAQ (iihs.org)