If you want to find the absolute lowest rates, then the best way to find low-cost car insurance rates in Corpus Christi is to start comparing prices regularly from insurance carriers who sell auto insurance in Texas.
First, take a few minutes and learn about auto insurance and the things you can change to prevent rate increases. Many policy risk factors that increase rates such as at-fault accidents, speeding tickets, and a low credit rating can be amended by making lifestyle changes or driving safer.
Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like Progressive or Farmers Insurance, while agents who are independent can provide price quotes for a wide range of companies.
Third, compare the new rate quotes to your existing policy and determine if there is any savings. If you find a better price and decide to switch, ensure there is no coverage lapse between policies.
Fourth, provide notification to your current company of your intention to cancel your current car insurance policy. Submit a down payment and signed policy application to the new company. When you receive it, place the new certificate verifying coverage with your registration paperwork.
An essential thing to point out is to compare identical coverages on each price quote and and to compare as many companies as feasibly possible. This guarantees an apples-to-apples comparison and a better comparison of the market.
It’s an obvious statement that auto insurance companies don’t want their customers to go rate shopping. Drivers who shop for lower prices will, in all likelihood, switch car insurance companies because there is a good probability of finding a policy with more affordable rates. A study showed that consumers who make a habit of shopping around saved an average of $3,450 over four years compared to other drivers who didn’t regularly shop around.
If saving the most money on auto insurance is your ultimate goal, then knowing how to shop and compare coverage rates can make the process less intimidating.
Getting a low cost price on Chevy Captiva Sport insurance can be surprisingly simple. All you need to do is take time to get quotes to discover which company has affordable Chevrolet Captiva Sport insurance quotes.
Doing online price quotes comparisons is so easy that it takes the place of having to make phone calls or go to and from local Corpus Christi insurance agencies. Comparing Chevy Captiva Sport insurance rate quotes online eliminates the need for an insurance agent unless your situation requires the extra assistance that only an agent can give. Although, it is possible price shop your coverage online but purchase the actual policy in an agency.
The companies in the list below are our best choices to provide price quotes in Corpus Christi, TX. If multiple companies are listed, it’s a good idea that you get prices from several of them to get the most competitive price.
Buying the right Captiva Sport insurance in Texas is an important decision
Despite the high insurance cost for a Chevy Captiva Sport in Corpus Christi, insuring your vehicle may not be optional for several reasons.
- Just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance in order to drive the car 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 loan, most lenders will make it a condition of the loan that you buy insurance to guarantee payment of the loan. If you default on your policy, the bank may insure your Chevy for a much higher rate and require you to reimburse them the higher premium.
- Car insurance protects your vehicle and your assets. Insurance will pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay to defend you if you are sued as the result of your driving. If your Chevy gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.
The benefits of insuring your Captiva Sport definitely exceed the cost, particularly for liability claims. As of last year, the average driver in Texas is overpaying more than $800 each year so it’s recommended you shop around at least once a year to save money.
Lower the Price of Insurance with These Tips
Lots of factors are taken into consideration when premium rates are determined. Some are obvious such as your driving record, but others are less apparent like your vehicle usage or your commute time. Smart consumers have a good feel for some of the elements that come into play when calculating insurance rates. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that may result in lower insurance prices.
Drivers with excellent credit save on insurance – A driver’s credit rating is a big factor in determining what you pay. If your credit history could use some work, you could pay less to insure your Chevrolet Captiva Sport by repairing your credit. Consumers who have excellent credit scores tend to be less risk to insure than drivers who have lower credit scores.
Teenagers vs. experienced drivers – Drivers with little experience tend to be easily distracted when driving so insurance rates are higher. More experienced drivers are viewed as being more responsible, tend to cause fewer accidents, and get fewer tickets.
Be proud to be claim-free – If you are the type of insured that files lots of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Companies in Texas award the lowest premiums to insureds who do not file claims often. Insurance coverage is designed for claims that pose a financial burden.
Do you work long hours in a demanding vocation? – Occupational choices like real estate brokers, business owners, and emergency personnel tend to have higher premium rates in part from intense work requirements and lots of time spent away from family. Conversely, professions such as actors, engineers and the unemployed have the lowest average rates.
Do safer cars cost less to insure? – Safe vehicles can get you lower premiums. Safer cars result in less severe injuries and fewer serious injuries translates directly to fewer claims and thus lower rates. If your Chevy scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
Do you really need roadside assistance? – Policies have additional coverages that can add up if you don’t pay attention. Insurance for things like rental car coverage, better glass coverage, and term life insurance may be wasting your money. They may sound like good ideas initially, but if you don’t need them consider taking them off your policy.
Rate your vehicle for proper use – The higher the mileage driven in a year’s time the more you will pay for insurance. Most companies rate vehicles based upon how you use the vehicle. Cars and trucks that sit idle most of the time receive lower rates than vehicles that have high annual mileage. It’s a good idea to make sure your insurance coverage is showing how each vehicle is driven. Having an incorrect usage rating on your Captiva Sport is throwing money out the window.
Tickets are costly – Being a careful driver has a huge affect on how much you pay. Having a single speeding ticket or other violation can bump up the cost twenty percent or more. Drivers with clean records get better rates compared to bad drivers. People who have multiple tickets like hit and run, DWI or reckless driving convictions may need to prove financial responsibility with the DMV in their state in order to legally drive.
Insurance loss probability for a Chevy Captiva Sport – Insurance companies use statistical claims data to help determine costs. Models that the data determines to have higher claim amounts or frequency will be charged more to insure.
The table below illustrates the historical loss data for Chevy Captiva Sport vehicles. For each policy coverage type, the claim amount for all vehicles, without regard to make or model, is a value of 100. Values under 100 suggest a better than average loss history, while numbers shown that are more than 100 indicate more frequent claims or a tendency for claims to be larger.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Chevrolet Captiva Sport 4dr 2WD | 89 | 95 | 88 | 123 | 115 | 105 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Your auto insurance coverage should be tailored to you
When choosing proper insurance coverage, there is no one-size-fits-all type of policy. Your financial needs are unique so your insurance should reflect that
Here are some questions about coverages that could help you determine whether or not you might need an agent’s assistance.
- Can my teen driver be rated on a liability-only vehicle?
- Should I waive the damage coverage when renting a car?
- Should I buy only the required Texas minimum liability coverage?
- How much underlying liability do I need for an umbrella policy?
- Do I have coverage if my license is suspended?
- Can I get by with minimal medical coverage if I have good health insurance?
- Do I need special coverage while pulling a rented trailer?
- What is GAP insurance?
If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.
Car insurance companies ranked
Buying coverage from the right car insurance company is difficult considering how many companies sell insurance in Texas. The rank data below can help you pick which auto insurers you want to consider purchasing from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Be persistent to save money
When shopping online for insurance, you should never buy less coverage just to save a little money. There are too many instances where an insured cut comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. Your goal is to purchase plenty of coverage at the best price.
Some companies may not provide online quoting and many times these small, regional companies work with local independent agents. Cheaper Chevy Captiva Sport insurance in Corpus Christi is definitely available on the web and with local Corpus Christi insurance agents, so compare prices from both to have the best rate selection.
Additional information can be read at the links below
- How to Avoid Staged Accidents (State Farm)
- Who Has the Cheapest Corpus Christi Auto Insurance Quotes for Government Employees? (FAQ)
- Who Has Affordable Corpus Christi Auto Insurance for Hybrid Vehicles? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Low Mileage Drivers in Corpus Christi? (FAQ)
- How Much is Car Insurance for Veterans in Corpus Christi? (FAQ)
- Crash Avoidance Technologies FAQ (iihs.org)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)