The easiest way to save on auto insurance rates in Corpus Christi is to regularly compare quotes from insurance carriers who can sell car insurance in Texas. Prices can be compared by following these guidelines.
First, spend some time learning about how your policy works and the things you can change to keep rates in check. Many rating criteria that are responsible for high rates like distracted driving and a negative credit score can be amended by making minor driving habit or lifestyle changes. This article provides more ideas to help prevent high rates and find overlooked discounts.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like Progressive or Allstate, while independent agencies can provide rate quotes for a wide range of insurance providers.
Third, compare the quotes to your current policy to see if switching to a new carrier will save money. If you can save money and change companies, make sure coverage is continuous and does not lapse.
Fourth, provide notification to your current agent or company of your intention to cancel your current car insurance policy and submit payment and a completed application for the new coverage. As soon as you have the new policy, put the new proof of insurance paperwork with the vehicle registration.
The key thing to remember is to try to use identical deductibles and limits on every quote and and to get price quotes from as many companies as you can. This provides the most accurate price comparison and a thorough selection of prices.
A recent auto insurance study discovered that over 70% of Texas drivers have stayed with the same insurance company for a minimum of four years, and 38% of drivers have never compared rates with other companies. U.S. insurance shoppers can cut their rates by 47% a year just by getting comparison quotes, but they feel it’s too difficult to compare rates.
If you have coverage now or just want to reduce your rates, use these techniques to find the best rates and possibly find even better coverage. Choosing the best rates in Corpus Christi is actually not that difficult if you follow our advice. You just need to know the quickest method to get comparison quotes online.
Eight Tips to Get Lower-cost Corpus Christi Insurance Prices
Multiple criteria are taken into consideration when quoting car insurance. Some factors are common sense such as traffic violations, but some are less apparent like your continuous coverage or your financial responsibility. An important part of buying insurance is that you know some of the things that aid in calculating your premiums. When you understand what controls the rates you pay, this enables informed choices that could help you find lower rates.
The following are some of the major factors car insurance companies consider when setting your prices.
Stay claim-free and save – Auto insurance companies in Texas provide the lowest premiums to insureds who are claim-free. If you file a lot of claims you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is designed for larger claims.
High performance equals high premiums – The performance of the car you own makes a significant difference in your premium level. Low performance passenger cars receive the most favorable rates, but your final cost has many other factors.
The chart below is based on a single female driver age 30, full coverage with $500 deductibles, and no discounts or violations. The chart compares Chevrolet Cobalt rates compared to other vehicles that have a range of risk factors.
Get better rates if married – Having a significant other may earn you lower rates compared to being single. It translates into being more financially stable and it’s proven that drivers who are married file infrequent claims.
Save by driving vehicles with better crash test results – Vehicles with high crash test scores tend to have better insurance rates. Safe vehicles reduce occupant injuries and lower rates of occupant injuries means less money paid by your insurance company passed on to you as lower rates. If the Chevy Cobalt earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
Battle of the sexes – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. This data doesn’t prove that females are better at driving than males. Men and women get in fender benders at about the same rate, but guys cause more damage and cost insurance companies more money. Men also get more serious tickets like DUI and reckless driving.
The diagram below shows the comparison of Chevy Cobalt car insurance costs for male and female drivers. The premium estimates are based on no claims or violations, full physical damage coverage, $250 deductibles, single marital status, and no policy discounts are applied.
Safeguard your assets with liability protection – Your car insurance policy’s liability coverage is the protection if you are determined to be liable for causing personal injury or damage in an accident. This coverage provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so buy as much as you can afford.
Only buy what you need – Insurance policies have a lot of add-on coverages that may not really be needed on your car insurance policy. Things like vanishing deductibles, better glass coverage, and membership fees may be costing you every month. They may seem like a good idea when buying your policy, but if you don’t need them think about removing them and cutting costs.
Excellent credit equals lower rates – A driver’s credit history is a large factor in calculating your premium rate. People that have very high credit ratings tend to be better drivers and file fewer claims than those with lower ratings. If your credit history could use some work, you could be paying less to insure your Chevrolet Cobalt by improving your credit score.
The following companies have been selected to offer price quotes in Corpus Christi, TX. To buy the best auto insurance in Corpus Christi, we suggest you get rate quotes from several of them to get the best price comparison.
Analysis of coverages
The premium table shown next outlines estimates of insurance premium costs for Chevy Cobalt models. Having a good understanding how insurance premiums are established can assist in making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $154 | $360 | $440 | $26 | $132 | $1,112 | $93 |
| Cobalt XFE 4-Dr Sedan | $154 | $360 | $440 | $26 | $132 | $1,112 | $93 |
| Cobalt LS 2-Dr Coupe | $176 | $360 | $486 | $28 | $146 | $1,196 | $100 |
| Cobalt XFE 2-Dr Coupe | $176 | $360 | $486 | $28 | $146 | $1,196 | $100 |
| Cobalt LT 4-Dr Sedan | $176 | $360 | $440 | $26 | $132 | $1,134 | $95 |
| Cobalt LT 2-Dr Coupe | $200 | $360 | $486 | $28 | $146 | $1,220 | $102 |
| Cobalt SS Turbo 2-Dr Coupe | $222 | $470 | $486 | $28 | $146 | $1,352 | $113 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rates do not factor in your specific Corpus Christi location which can alter coverage rates substantially.
Comparison of policy deductibles
One common question asked by Corpus Christi drivers is how high should the deductibles for physical damage be. The premium rates below sum up the cost difference between high and low deductibles. The first set of rates uses a $250 physical damage coverage deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $256 | $584 | $430 | $26 | $128 | $1,449 | $121 |
| Cobalt XFE 4-Dr Sedan | $256 | $584 | $430 | $26 | $128 | $1,449 | $121 |
| Cobalt LS 2-Dr Coupe | $294 | $584 | $476 | $28 | $142 | $1,549 | $129 |
| Cobalt XFE 2-Dr Coupe | $294 | $584 | $476 | $28 | $142 | $1,549 | $129 |
| Cobalt LT 4-Dr Sedan | $294 | $584 | $430 | $26 | $128 | $1,487 | $124 |
| Cobalt LT 2-Dr Coupe | $332 | $584 | $476 | $28 | $142 | $1,587 | $132 |
| Cobalt SS Turbo 2-Dr Coupe | $370 | $762 | $476 | $28 | $142 | $1,803 | $150 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cobalt LS 4-Dr Sedan | $158 | $368 | $430 | $26 | $128 | $1,110 | $93 |
| Cobalt XFE 4-Dr Sedan | $158 | $368 | $430 | $26 | $128 | $1,110 | $93 |
| Cobalt LS 2-Dr Coupe | $182 | $368 | $476 | $28 | $142 | $1,196 | $100 |
| Cobalt XFE 2-Dr Coupe | $182 | $368 | $476 | $28 | $142 | $1,196 | $100 |
| Cobalt LT 4-Dr Sedan | $182 | $368 | $430 | $26 | $128 | $1,134 | $95 |
| Cobalt LT 2-Dr Coupe | $206 | $368 | $476 | $28 | $142 | $1,220 | $102 |
| Cobalt SS Turbo 2-Dr Coupe | $228 | $478 | $476 | $28 | $142 | $1,352 | $113 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in specific Corpus Christi garaging location which can affect insurance rates considerably.
Based on the figures above, using a $250 deductible will cost in the ballpark of $30 more each month or $360 annually than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 25 months between claims, you would probably come out ahead by selecting a higher deductible. The numbers below show how you can come to your own conclusion.
| Average monthly premium for $250 deductibles: | $129 |
| Average monthly premium for $1,000 deductibles (subtract): | – $99 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
Choosing vehicle insurance is an important decision
Even though Corpus Christi Cobalt insurance rates can get expensive, paying for auto insurance is most likely required but also gives you several important benefits.
- Most states have mandatory insurance requirements which means you are required to buy a specific level of liability coverage if you drive a vehicle. 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 you have a loan on your Cobalt, it’s most likely the lender will stipulate that you have comprehensive coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Chevy at an extremely high rate and make you pay a much higher amount than you were paying before.
- Insurance protects your vehicle and your assets. Insurance will also pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay attorney fees in the event you are sued. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance more than cancel out the cost, particularly for liability claims. Today the average American driver is overpaying more than $869 every year so compare rate quotes once a year at a minimum to make sure the price is not too high.
Car insurance policy discounts for Chevy Cobalt insurance in Corpus Christi
Some companies do not list every available discount in an easy-to-find place, so the following is a list of some of the more common and the more hidden savings tricks you should be using when you buy Corpus Christi auto insurance online.
- Senior Citizens – Drivers over the age of 55 may receive a small discount on rates.
- Memberships – Belonging to specific professional or occupational memberships or organizations could earn you a nice discount on your next car insurance statement.
- Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less than drivers with accident claims.
- No Charge for an Accident – Not really a discount, but a handful of insurance companies allow you one accident before your rates go up if you have no claims before the accident.
- Multi-line Discount – If the company offers life insurance, you could get a lower rate if you buy a life policy as well.
- Seat Belt Discounts – Buckling up and requiring all passengers to buckle up can save a little off the medical payments premium.
- Drivers Ed for Students – Teen drivers should complete a driver education course in high school.
- Driver Training Discounts – Participating in a course that instructs on driving safety could earn you a small percentage discount and easily pay for the cost of the class.
A little disclaimer on discounts, most discount credits are not given to the whole policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like all the discounts add up to a free policy, you aren’t that lucky.
The information below compares Chevy Cobalt insurance prices with and without some available policy discounts. The rates are based on a male driver, no violations or accidents, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, claim-free, marriage, safe-driver, and homeowner discounts applied.
To find providers who offer cheap Chevy Cobalt insurance quotes in Corpus Christi in Texas, click here to view.
Independent versus exclusive car insurance agents
Many people prefer to visit with an insurance agent and that is recommended in a lot of cases Professional agents can make sure you are properly covered and help submit paperwork. An additional benefit of getting free rate quotes online is that you can obtain the best rates and also buy local. And buying from local agents is still important in Corpus Christi.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is emailed to participating agents in Corpus Christi who will return price quotes to get your business. You never need to do any legwork due to the fact that quote results will go directly to you. If you wish to quote rates from a specific insurance company, you can always go to their quote page to submit a rate quote request.
Not all auto insurance agents are the same
When searching for a good insurance agency, there are two different agency structures and how they can service your needs differently. Insurance agencies can be classified as either independent agents or exclusive agents. Both types can sell insurance policies, but it is a good idea to know the difference between them because it can influence the type of agent you choose.
Independent Insurance Agents (or Brokers)
Independent agencies are not locked into one company so as a result can place your coverage with an assortment of companies and find the cheapest rate. To move your coverage to a new company, your agent can just switch to a different company which is easy for the insured. When comparing rates, you will want to compare prices from multiple independent agents in order to have the best price comparison.
The following is a short list of independent insurance agents in Corpus Christi that may be able to give rate quotes.
Alba Insurance Inc
5022 Holly Rd #108 – Corpus Christi, TX 78411 – (361) 854-6551 – View Map
Annaville Insurance
14602 Compass St a – Corpus Christi, TX 78418 – (361) 949-6787 – View Map
Kramer Insurance
5866 S Staples St # 204 – Corpus Christi, TX 78413 – (361) 850-1857 – View Map
Exclusive Insurance Agents
These agents are contracted to one company such as AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agencies are unable to give you multiple price quotes so keep that in mind. Exclusive agents are well trained on the products they sell which helps them compete with independent agents.
Below are exclusive insurance agents in Corpus Christi that are able to give comparison quotes.
GEICO Insurance Agent
6349 S Padre Island Dr – Corpus Christi, TX 78412 – (361) 992-4955 – View Map
Farmers Insurance – Jennifer Tennill
1145 Waldron Rd – Corpus Christi, TX 78418 – (361) 939-7300 – View Map
Allstate Insurance: Joshua D. Crow
5333 Yorktown Blvd e – Corpus Christi, TX 78413 – (361) 857-2688 – View Map
Picking an auto insurance agent should depend on more than just the quoted price. Some important questions to ask are:
- Which companies can they place coverage with?
- Does the agent help file claims?
- If you have an accident, will your rates go up?
- Will they give you a referral list?
- Are they in the agency full-time?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- How much can you save by raising your physical damage deductibles?
After talking to the agent and getting acceptable answers to these questions and a low price estimate, it’s possible that you found an insurance agent that can be relied on to properly service your insurance policy. But remember, you can terminate your policy at any time so don’t think that you’re stuck with any specific agency for a certain time period.
Cover all your bases
Cheaper insurance in Corpus Christi is attainable both online and from local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers don’t offer rates over the internet and usually these smaller companies sell through independent insurance agencies.
When searching for affordable Corpus Christi auto insurance quotes, it’s a bad idea to reduce needed coverages to save money. Too many times, an accident victim reduced liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.
We just presented some good ideas how to compare Chevy Cobalt insurance prices in Corpus Christi. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the most savings is with a smaller regional carrier. Regional companies can often provide lower rates in certain areas than their larger competitors like Progressive or GEICO.
More resources
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- Who Has the Cheapest Car Insurance Quotes for a Subaru Forester in Corpus Christi? (FAQ)
- How Much are Corpus Christi Car Insurance Rates for a Toyota RAV4? (FAQ)
- What Auto Insurance is Cheapest for a 20 Year Old Female in Corpus Christi? (FAQ)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- How to Avoid Staged Accidents (State Farm)