For health professionals, one of the more important criteria that determine the price you pay for insurance is where you keep your vehicle in Corpus Christi. Areas with more people or more claims tend to pay more, whereas areas with less congestion benefit from having to pay less for coverage.
The illustration below ranks the priciest cities in Texas for nurses to buy car insurance in. Corpus Christi comes in at #21 with a yearly premium of $1,572 for the average policy, which is about $131 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $1,936 |
| 2 | Houston | $1,853 |
| 3 | Brownsville | $1,851 |
| 4 | Amarillo | $1,840 |
| 5 | Dallas | $1,837 |
| 6 | Laredo | $1,833 |
| 7 | Garland | $1,832 |
| 8 | Mesquite | $1,825 |
| 9 | Pasadena | $1,794 |
| 10 | Grand Prairie | $1,757 |
| 11 | Irving | $1,736 |
| 12 | Lubbock | $1,716 |
| 13 | Arlington | $1,709 |
| 14 | Beaumont | $1,702 |
| 15 | Austin | $1,676 |
| 16 | San Antonio | $1,671 |
| 17 | Plano | $1,624 |
| 18 | Carrollton | $1,615 |
| 19 | Fort Worth | $1,604 |
| 20 | McKinney | $1,577 |
| 21 | Corpus Christi | $1,572 |
| 22 | Waco | $1,569 |
| 23 | El Paso | $1,568 |
| 24 | Abilene | $1,561 |
| 25 | Killeen | $1,518 |
| Compare Prices Now Go | ||
Prices are approximated as the garaging address in Corpus Christi can alter price quotes considerably.
The vehicle model needing coverage is one of the largest considerations when comparison shopping for low-cost insurance for nurses. Vehicles with average performance, an excellent safety record, or low incidents of liability claims will cost substantially less to insure than fast, unsafe models.
The data below outlines car insurance prices for a selection of the most cost-effective vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $720 |
| Honda Accord LX-P 4-Dr Sedan | $730 |
| Volkswagen Jetta S 2.5 Station Wagon | $780 |
| Ford F-150 STX Super Cab 4WD | $824 |
| Ford Focus SE 4-Dr Sedan | $833 |
| Ford Escape XLT 4WD | $841 |
| GMC Sierra SLE Crew Cab 2WD | $849 |
| Ford Edge SE 2WD | $895 |
| Kia Optima LX | $912 |
| Hyundai Sonata GLS 4-Dr Sedan | $919 |
| Toyota Prius | $914 |
| Dodge Ram Quad Cab SLT 4WD | $931 |
| Chevrolet Silverado Crew Cab Hybrid 2WD | $956 |
| Jeep Grand Cherokee Laredo 4WD | $967 |
| Toyota RAV4 Limited 4WD | $969 |
| Chevrolet Equinox LT AWD | $974 |
| Toyota Tacoma Double Cab 4WD | $969 |
| Chevrolet Impala LT | $977 |
| Dodge Grand Caravan Crew | $990 |
| Ford Explorer Eddie Bauer AWD | $998 |
| Honda Odyssey EX-L | $1,019 |
| Toyota Corolla XLE | $1,021 |
| Hyundai Elantra SE 4-Dr Sedan | $1,028 |
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Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in your specific Corpus Christi, TX location which can increase or decrease premiums noticeably.
Based on these rates, vehicles like the Honda CR-V, Honda Accord, Volkswagen Jetta, Ford F-150, and Ford Focus should be a few of the cheapest vehicles to insure for health professionals.
Trying to find affordable auto insurance is difficult, and finding out which company has the most affordable insurance rates for nurses may require additional perseverance. Each auto insurance company has a proprietary formula to set policy rates, so let’s take a look at the insurance companies that tend to have lower prices in Corpus Christi.
Best Car Insurance Prices for Health Occupations
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,282 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,424 |
| 7 | Mercury | $1,461 |
| 8 | State Farm | $1,495 |
| 9 | Nationwide | $1,553 |
| 10 | Safe Auto | $1,597 |
| 11 | Progressive | $1,698 |
| 12 | Amica | $1,705 |
| 13 | Allstate | $1,718 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,156 |
| 16 | MetLife | $2,161 |
| 17 | Unitrin | $2,264 |
| 18 | Encompass | $2,301 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,646 |
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Travelers may have some of the most affordable car insurance rates in Corpus Christi at around $1,052 each year. This is $852 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the lowest-priced Corpus Christi, TX insurance companies.
As shown above, if you buy coverage from Esurance and switched to USAA, you could see yearly savings of in the neighborhood of $237. Customers with California Casualty may save as much as $296 a year, and Mercury policyholders might reduce prices by as much as $333 a year.
Remember that these premium estimates are averages across all ages of drivers and types of vehicles and and are not figured with a specific location for nurses. So the insurer that fits your situation best may not even be in the list above. That helps illustrate why you need to get car insurance quotes using your own driver data and vehicle information.
The example below highlights how deductible choice can influence annual premium costs when quoting cheap insurance for nurses. The price estimates are based on a single female driver, comp and collision included, and no discounts are factored in.
A 30-year-old driver could pocket $468 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $704 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old, could potentially save up to $1,048 annually by using higher deductibles when buying full coverage. When increasing deductibles, it will be important to have additional savings on hand to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
How to get discounts on Corpus Christi insurance rates
Car insurance companies that offer coverage for nurses may also give you premium discounts that could lower prices by as much as 30% if you meet certain criteria. A few of the larger companies and their possible discounts include:
- State Farm has savings for anti-theft, multiple policy, accident-free, passive restraint, driver’s education, defensive driving training, and Drive Safe & Save.
- GEICO includes discounts for multi-vehicle, emergency military deployment, anti-theft, federal employee, air bags, daytime running lights, and driver training.
- SAFECO offers premium reductions for bundle discounts, anti-theft, accident prevention training, safe driver, and teen safety rewards.
- Farmers Insurance policyholders can earn discounts including good student, alternative fuel, teen driver, multi-car, early shopping, mature driver, and switch companies.
- AAA may have discounts that include AAA membership discount, multi-car, good driver, pay-in-full, education and occupation, and multi-policy.
- USAA has discounts for multi-policy, good student, vehicle storage, safe driver, and driver training.
The illustration below illustrates the difference between annual premium costs with and without discounts. The premiums are based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with claim-free, safe-driver, multiple vehicle, anti-theft, multiple policy, and vehicle safety discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on insurance for nurses is 28% or $459.
How to find economical auto insurance for nurses
Lowering your rates is not difficult, and here are many thrifty solutions that can help you locate cheaper car insurance.
- Keep your driving record clean
- Safe vehicles generally have lower rates
- Do not get into accidents
- Pay for smaller claims out-of-pocket
- Higher credit scores may earn you cheaper rates
- Compare price quotes at least once a year
That final tip is extremely critical, as was stressed in this piece. Insurance rates vary greatly, so don’t be hesitant to buy a different policy if you can save money. Having a favorite company is fine, but it isn’t a good idea if that inflexibility results in costing you several hundred dollars every year. Now is a great time to compare rates to find cheaper auto insurance for nurses in Corpus Christi.