Finding low cost premium rates on Chrysler Town and Country insurance in Corpus Christi could be a challenge for people who have little experience quoting and comparing prices online. With literally dozens of companies competing online, it can easily turn into a big hassle to locate the lowest premium rates.
A recent auto insurance study discovered that almost 70% of drivers have stayed with the same insurance company for over three years, and just under half have never compared rate quotes at all. With the average auto insurance premium being $2,679, Texas drivers could save approximately $1,770 each year by just comparing rate quotes, but they just don’t want to compare rates.
Smart consumers take time to shop coverage around every six months since prices tend to go up over time. Just because you found the best deal on Chrysler Town and Country insurance in Corpus Christi at your last renewal the chances are good that you can find a lower rate quote today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.
When price shopping your coverage, more quotes will improve the odds of getting the best rates. Some companies don’t provide Corpus Christi Town and Country insurance quotes online, so it’s important to also get price quotes on coverage from those companies, too.
The companies shown below offer price comparisons in Texas. If you wish to find the best car insurance in TX, it’s a good idea that you compare several of them to get the best price comparison.
Car insurance data for a Chrysler Town and Country
The rate information displayed below covers estimates of insurance coverage prices for Chrysler Town and Country models. Understanding more about how rates are calculated can benefit drivers when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $142 | $218 | $310 | $18 | $94 | $782 | $65 |
| Town and Country Touring | $160 | $266 | $310 | $18 | $94 | $848 | $71 |
| Town and Country Signature | $160 | $266 | $310 | $18 | $94 | $848 | $71 |
| Town and Country Touring Plus | $160 | $266 | $310 | $18 | $94 | $848 | $71 |
| Town and Country Limited | $178 | $312 | $310 | $18 | $94 | $912 | $76 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate information does not factor in Corpus Christi location which can modify insurance rates considerably.
An analysis of deductible level
One of the more difficult decisions when buying car insurance is how high should the physical damage coverage deductibles be. The following tables may help to illustrate the costs and benefits when you select higher and lower physical damage deductibles. The first price estimate table uses a $100 physical damage deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $328 | $486 | $324 | $20 | $96 | $1,279 | $107 |
| Town and Country Touring | $370 | $592 | $324 | $20 | $96 | $1,427 | $119 |
| Town and Country Signature | $370 | $592 | $324 | $20 | $96 | $1,427 | $119 |
| Town and Country Touring Plus | $370 | $592 | $324 | $20 | $96 | $1,427 | $119 |
| Town and Country Limited | $412 | $698 | $324 | $20 | $96 | $1,575 | $131 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Town and Country LX | $240 | $328 | $324 | $20 | $96 | $1,008 | $84 |
| Town and Country Touring | $270 | $400 | $324 | $20 | $96 | $1,110 | $93 |
| Town and Country Signature | $270 | $400 | $324 | $20 | $96 | $1,110 | $93 |
| Town and Country Touring Plus | $270 | $400 | $324 | $20 | $96 | $1,110 | $93 |
| Town and Country Limited | $300 | $472 | $324 | $20 | $96 | $1,212 | $101 |
| Get Your Own Custom Quote Go | |||||||
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, claim-free, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in Corpus Christi location which can revise coverage rates substantially.
Using the data above, we can ascertain that using a $100 deductible will cost in the ballpark of $26 more each month or $312 every year across all Chrysler Town and Country models than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go more than 15 months between claim filings, you would probably be better off if you elect the higher deductible.
The information below shows how different deductible levels and can impact Chrysler Town and Country premium costs for different ages of insureds. The price estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Buying the right Chrysler Town and Country insurance in Texas is an important decision
Even though it’s not necessarily cheap to insure a Chrysler in Corpus Christi, insurance serves a purpose in several ways.
- Almost all states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability coverage in order to get the vehicle licensed. 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 took out a loan on your vehicle, almost every bank will require that you have insurance to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank or lender will purchase a policy for your Chrysler at a much higher premium rate and force you to pay for the expensive policy.
- Insurance protects both your vehicle and your personal assets. It will also cover all forms of medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also covers legal expenses in the event you are sued. If damage is caused by hail or an accident, comprehensive and collision coverage will cover the repair costs.
The benefits of carrying enough insurance more than offset the price you pay, especially with large liability claims. According to a recent study, the average American driver is wasting up to $855 a year so compare rates at least once a year to save money.
Corpus Christi Insurance Costs are Influenced by These Factors
Lots of things are part of the calculation when premium rates are determined. Some factors are common sense like your driving record, but other factors are less apparent like your vehicle usage and annual miles driven. It’s important that you understand some of the things that are used to determine your car insurance rates. When you know what positively or negatively determines base rates, this helps enable you to make changes that may result in lower premium levels.
Do you really need the extra coverages? – There are a ton of optional add-on coverages you can purchase on your car insurance policy. Coverage for things like rental car coverage, high-cost glass coverage, and membership fees are some examples. They may sound like good ideas when discussing your needs, but now you might not need them so think about removing them and cutting costs.
Never let your car insurance policy lapse – Letting your insurance expire will be a guaranteed way to trigger a rate increase. In addition to paying higher premiums, not being able to provide proof of insurance might get you fines or a revoked license. You may then have to prove you have insurance by filing a SR-22 with the Texas department of motor vehicles.
How much liability insurance – Liability coverage will provide protection when you are ruled to be at fault for an accident. Your policy’s liability insurance provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
Safer occupants lowers car insurance rates – Vehicles that have high safety ratings cost less to insure. Vehicles built for safety reduce the chance of injuries and lower rates of occupant injuries means lower claim amounts which can result in lower premiums.
Influences performance influences auto insurance costs – The make and model of the vehicle you drive makes a big difference in your rates. The cheapest rates are usually found on small economy passenger models, but many other things help determine your insurance rates.
The following chart uses these assumptions: single male driver age 40, full coverage with $500 deductibles, and no discounts or violations. It shows Chrysler Town and Country car insurance rates compared to other makes and models that have different performances.
Companies offer many discounts on Chrysler Town and Country insurance in Corpus Christi
Buying insurance is not cheap, but there may be some discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically when you quote, but less common discounts must be requested specifically prior to receiving the credit. If you are not receiving all the discounts you deserve, you’re just leaving money on the table.
- Multiple Policy Discount – When you have multiple policies with the same company you may save up to 20% and get you low cost Chrysler Town and Country insurance.
- Full Payment Discount – By making one initial payment rather than paying monthly you may reduce your total bill.
- Fewer Miles Equal More Savings – Driving fewer miles may allow you to get lower insurance rates due to less chance of an accident.
- Student in College – College-age children who are enrolled in a college that is more than 100 miles from Corpus Christi and leave their car at home may be able to be covered for less.
- Data Collection Discounts – Policyholders that allow driving data submission to spy on where and when they drive by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may get a rate reduction if they have good driving habits.
- Memberships – Joining a qualifying organization may earn a discount on your next renewal.
- Anti-theft System – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and earn discounts up to 10% off your Corpus Christi car insurance quote.
Please keep in mind that most of the big mark downs will not be given to the entire cost. Some only apply to the cost of specific coverages such as comprehensive or collision. Despite the appearance that you can get free auto insurance, it just doesn’t work that way.
The diagram below shows the difference between Chrysler Town and Country annual premium costs with and without policy discounts. The premiums are based on a male driver, no claims or driving violations, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, marriage, multi-car, homeowner, and claim-free discounts applied.
Companies and some of the discounts include:
- American Family offers premium reductions for accident-free, good student, Steer into Savings, TimeAway discount, good driver, and defensive driver.
- Farm Bureau has savings for renewal discount, safe driver, multi-policy, good student, and driver training.
- State Farm discounts include accident-free, safe vehicle, anti-theft, driver’s education, and good driver.
- Travelers may have discounts that include continuous insurance, early quote, good student, home ownership, and hybrid/electric vehicle.
- The Hartford has discounts for air bag, anti-theft, good student, defensive driver, bundle, vehicle fuel type, and driver training.
- GEICO offers discounts for multi-policy, federal employee, membership and employees, anti-theft, and driver training.
- Progressive offers discounts including online quote discount, multi-policy, homeowner, online signing, good student, multi-vehicle, and continuous coverage.
Before buying, ask every prospective company which discounts you qualify for. Some of the earlier mentioned discounts may not apply to policyholders in Corpus Christi. To view insurance companies with the best Chrysler Town and Country insurance discounts in Texas, click here to view.
Compare rates but buy from a local Corpus Christi insurance agent
Many people would rather get professional advice from a licensed agent and we recommend doing that One of the benefits of comparing rate quotes online is the fact that you can find lower premium rates and still have an agent to talk to. Buying insurance from neighborhood agents is especially important in Corpus Christi.
After completing this form (opens in new window), your coverage information is sent to local insurance agents who want to provide quotes for your business. It makes it easy because there is no need to contact an agency as quotes are delivered directly to you. You can get cheaper insurance rates and a licensed agent to work with. In the event you want to get a price quote from a specific insurance provider, you just need to navigate to their website and give them your coverage information.
If you want a good insurance agency, there are a couple of types of agencies and how they differ in how they can insure your vehicles. Agents in Corpus Christi are categorized either independent agents or exclusive agents.
Independent Insurance Agents
Independent agencies do not sell for just one brand and that gives them the ability to insure with lots of companies and find the cheapest rate. To move your coverage to a new company, they simply switch companies in-house and you don’t have to find a new agent.
When comparison shopping, we highly recommend that you get several quotes from independent agents to get the best comparison. They often place coverage with companies you’ve never heard of that can offer cheaper rates than bigger companies.
Listed below is a small list of independent agents in Corpus Christi who can help you get free insurance quotes.
- Trinity Insurance
4439 Gollihar Rd – Corpus Christi, TX 78411 – (361) 854-8600 – View Map - All American Hallmark Ins
4510 Weber Rd a – Corpus Christi, TX 78411 – (361) 993-6643 – View Map - IBC Insurance Agency
221 S Shoreline Blvd – Corpus Christi, TX 78401 – (361) 985-1900 – View Map
Exclusive Insurance Agencies
Agents that elect to be exclusive work for only one company such as Farmers Insurance, American Family, State Farm and Allstate. They generally cannot compare other company’s rates so keep that in mind. They receive a lot of sales training on what they offer which helps overcome the inability to quote other rates. Consumers frequently purchase coverage from exclusives primarily because of the brand legacy and the convenience of having all coverages with one company.
Listed below are Corpus Christi exclusive insurance agencies that can give you price quote information.
- Farmers Insurance – Jack Alspaugh
5922 Yorktown Blvd, Bldg 2, Corpus Christi 78414 – Bldg 2, TX 78414 – (361) 232-4717 – View Map - Sam Watson – State Farm Insurance Agent
4818 Shopping Way A – Corpus Christi, TX 78411 – (361) 852-6600 – View Map - Allstate Insurance: Laura Harris
3837 S Padre Island Dr – Corpus Christi, TX 78415 – (361) 985-2875 – View Map
Selecting an insurance agency shouldn’t rely on just the quoted price. These are some valid questions you should ask.
- Will your rates increase after a single accident?
- Are claims handled at the agent’s location?
- How many years of experience in personal auto insurance do they have?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are they actively involved in the community?
- If you raise deductibles, how much can you save?
If you receive acceptable answers to these questions and locked in a price quote, chances are good that you have found an insurance agency that can be relied on to service your policy. Just remember it’s your policy and you can terminate your policy whenever you want so don’t feel that you’re stuck with a policy for a certain time period.
More comparisons equals cheaper rates
When shopping online for insurance, you should never sacrifice coverage to reduce premiums. Too many times, drivers have reduced liability coverage limits only to find out that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.
Throughout this article, we presented many ideas to find affordable Chrysler Town and Country insurance in Corpus Christi. It’s most important to understand that the more companies you get premium rates for, the better chance you’ll have of finding inexpensive Corpus Christi car insurance quotes. You may even be surprised to find that the lowest car insurance rates come from an unexpected company.
Insureds leave their current company for a number of reasons such as delays in responding to claim requests, high rates after DUI convictions, extreme rates for teen drivers and even policy cancellation. Whatever your reason, finding a new insurance company is not as hard as you think.
Steps to finding more affordable Chrysler Town and Country insurance in Corpus Christi
If you want to find the absolute lowest rates, then the best way to get more affordable auto insurance rates is to do a yearly price comparison from providers in Corpus Christi.
- Take a little time to learn about the coverage provided by your policy and the changes you can make to keep rates low. Many rating factors that result in higher rates such as traffic violations, accidents, and an unacceptable credit history can be rectified by being financially responsible and driving safely.
- Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from one company like GEICO or Allstate, while agents who are independent can quote rates for many different companies.
- Compare the price quotes to your existing policy and see if you can save money. If you can save money and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Notify your agent or company of your decision to cancel your current car insurance policy. Submit the required down payment along with the signed application for the new coverage. Once the application is submitted, place the new certificate verifying proof of insurance in an accessible location in your vehicle.
One tip to remember is to use identical limits and deductibles on each price quote and to quote with as many auto insurance providers as possible. This guarantees an apples-to-apples comparison and a complete price analysis.
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