Compare Honda Civic Insurance Rates in Corpus Christi

Unbelievably, the vast majority of auto insurance customers renewed their policy with the same company for four years or more, and almost half have never compared rates to find lower-cost insurance. With the average premium in Texas being $2,680, drivers can save as much as 70% each year by just comparing rate quotes, but they underestimate how much savings they would realize if they switch to a new company.

To save the most money, the best way to find affordable car insurance rates in Corpus Christi is to make a habit of regularly comparing prices from insurers who sell insurance in Texas.

• Step 1: Learn about how companies price auto insurance and the things you can control to lower rates. Many rating criteria that result in higher rates like accidents, traffic tickets, and a low credit score can be eliminated by being financially responsible and driving safely.
• Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive and State Farm, while agents who are independent can quote rates for a wide range of companies. Compare rates
• Step 3: Compare the new quotes to your existing policy and see if there is a cheaper rate in Corpus Christi. If you find a lower rate and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
• Step 4: Provide adequate notice to your current company of your intention to cancel your existing policy. Submit a down payment along with a completed application for the new policy. Immediately upon receiving it, place your new certificate verifying proof of insurance somewhere easily accessible.

One bit of advice is to try to compare similar limits and deductibles on every quote request and to quote with every company you can. This enables an apples-to-apples comparison and maximum price selection.

Low Cost companies for Honda Civic insurance in Texas

The following companies offer free quotes in Corpus Christi, TX. If you wish to find the cheapest auto insurance in Corpus Christi, it’s highly recommended you visit several of them to find the most competitive car insurance rates.

Auto insurance analysis for a Honda Civic

The price information below highlights detailed analysis of insurance prices for Honda Civic models. Being aware of how prices are formulated is important for drivers to make decisions when shopping around.

Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Information does not factor in specific location information which can impact insurance rates considerably.

Deductible comparison

When buying auto insurance, a common question is at what level do you set your deductibles. The tables below show the cost difference when you buy lower versus higher physical damage coverage deductibles. The first set of prices uses a $250 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rates do not factor in Corpus Christi location which can change premium rates substantially.

We can derive from the above data that using a $250 deductible costs an average of $31 more each month or $372 each year averaged for all Civic models than buying the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 24 months between claims, you would probably save some money going with the higher deductible. The table below illustrates an example of how you can come to your own conclusion.

The diagram below demonstrates how deductible levels and can raise or lower Honda Civic premium costs for different age categories. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Reckless driving habits raise auto insurance rates

The information below illustrates how violations and at-fault claims raise Honda Civic insurance premiums for different ages of insureds. The costs are based on a married female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

Get Cheap Insurance with These Tips

The best way to find cheaper insurance is to take a look at some of the factors that are used to determine the price you pay for insurance. When you know what positively or negatively impacts premium levels, this allows you to make good choices that can earn you big savings.

The itemized list below are some of the factors used by your company to calculate rates.

• Your career may increase premiums – Do you work in a high-stress field? Occupational choices like fire fighters, airline pilots, and emergency personnel usually pay higher average rates because of job stress and lots of time spent away from family. On the flip side, occupations like actors, engineers and retirees pay lower than average rates.

• Expect high rates for teens – Beginning drivers in Texas are known to be easily distracted when at the wheel of a vehicle so they pay higher insurance rates. Older drivers are shown to be more cautious, tend to cause fewer accidents, and tend to be get fewer driving tickets.

  The data below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.

• Higher coverage deductibles are cheaper – Comprehensive and collision coverage deductibles represent how much money you are willing to pay before your insurance pays a claim. Physical damage coverage, aka comp and collision, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a stationary object, damage caused by hail, and damage from wind. The larger the amount the insured is willing to pay, the bigger discount you will receive.
• Only buy what you need – There are many additional extra coverages that sound like a good idea at the time if you don’t pay attention. Coverages for rental car reimbursement, better glass coverage, and Farm Bureau memberships may be costing you every month. These may sound like a good investment when you first buy your policy, but now you might not need them so remove them from your policy.
• Save money by having high credit – Having a bad credit rating can be an important factor in determining your rates. Drivers who have high credit scores tend to file fewer claims as compared to drivers with lower ratings. Therefore, if your credit rating is low, you could pay less to insure your Honda Civic if you clean up your credit.
• Too many insurance claims drive up insurance rates – Car insurance companies in Texas award most affordable rates to drivers that do not abuse their auto insurance. If you are a frequent claim filer, you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is designed for more catastrophic claims.
• Alarms and GPS tracking lower insurance rates – Purchasing a vehicle with an alarm system can save you a little every year. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent car theft.

• Honda Civic claim data – Companies analyze the history of losses as a way to help calculate a profitable premium price. Models that tend to have increased losses will cost more to insure. The table below outlines the actual insurance loss data for Honda Civic vehicles.

  For each coverage category, the claim probability for all vehicles, regardless of make or model, is represented as 100. Values that are under 100 suggest a better than average loss history, while values over 100 point to more claims or tendency to have higher losses.

  
  

  Honda Civic Insurance Loss Statistics

  Specific Honda Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Honda Civic	92	105	68	127	135	121
  Honda Civic Hybrid	90	85	106	105		78
  Honda Civic Si	126	97	117	124		104

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

Get cheaper Honda Civic insurance in Corpus Christi with discounts

Insurance can be prohibitively expensive, but companies offer discounts that you may not even be aware of. Some of these discounts will be visible when you quote, but some need to be specifically requested before you will receive the discount.

• Military Discounts – Being deployed with a military unit could mean lower rates.
• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up can save 10% or more on the premium charged for medical payments and/or PIP.
• Defensive Driving Course – Taking time to complete a safe driver course could earn you a small percentage discount if your company offers it.
• Student Discount for Driver Training – Teen drivers should take driver’s ed class if it’s offered in school.
• Driving Data Discount – Drivers who elect to allow driving data collection to track vehicle usage by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they exhibit good driving behavior.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. Despite the fact that it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

The diagram below visualizes the comparison of Honda Civic yearly insurance costs with and without discounts applied to the policy rates. The premiums assume a female driver, no accidents, no driving violations, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, marriage, claim-free, and homeowner discounts applied.

Car insurance companies that possibly offer some of the above discounts are:

• GEICO
• USAA
• Progressive
• American Family
• Esurance
• Farmers Insurance
• State Farm

If you want the cheapest Honda Civic rate quotes, ask each company which discounts you may be entitled to. Discounts may not apply everywhere. To locate insurers offering insurance discounts in Corpus Christi, click here.

Compare prices but buy from a local Corpus Christi insurance agent

Many drivers prefer to talk to a local agent and doing that can be a smart decision Licensed agents can point out coverage gaps and help file insurance claims. One of the benefits of comparing car insurance online is the fact that you can find the lowest rates but still work with a licensed agent.

By using this quick form, your insurance coverage information is emailed to companies in Corpus Christi that give free quotes for your insurance coverage. It’s much easier because you don’t need to contact any agents since rate quotes are delivered to your email. If you wish to get a comparison quote from a specific company, you just need to visit that company’s website and submit a quote form there.

Picking an insurer should include more criteria than just the premium amount. Agents should be asked these questions:

• Does the agent have professional designations like CIC, CPCU or AIC?
• Does the agency have a current Errors and Omissions policy?
• Do they get extra compensation for selling add-on coverages?
• Are they in the agency full-time?
• Which members of your family are coverage by the policy?

Exclusive and independent Corpus Christi car insurance agents

When looking for a local agent, it’s important to understand the types of insurance agents and how they can quote your rates. Car insurance agents are considered either exclusive agents or independent agents. Both write car insurance policies, but it’s important to point out how they differ because it can factor into the type of agent you choose.

Exclusive Agencies

Exclusive agencies generally can only insure with one company and some examples include State Farm or Allstate. These agents are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. They are usually well trained on their company’s products which aids in selling service over price.

The following is a list of exclusive agencies in Corpus Christi that can give you comparison quotes.

More insurance agents

Independent Car Insurance Agencies

Independent insurance agents do not have single company limitations and that is an advantage because they can write policies with a variety of different insurance companies and find you the best rates. If premiums increase, the agent simply finds a different carrier which makes it simple for you.

When comparing car insurance rates, you will want to get rate quotes from several independent agencies so that you have a good selection of quotes to compare.

The following are Corpus Christi independent insurance agents willing to provide price quote information.

More insurance agents

Upon getting positive responses to any questions you may have in addition to an acceptable price estimate, you have narrowed it down to an auto insurance agent that is a good match to properly insure your vehicles.

Be persistent and save

In this article, we presented a lot of ways to get a better price on Honda Civic insurance in Corpus Christi. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding inexpensive Corpus Christi car insurance quotes. Consumers could even find that the best price on auto insurance is with an unexpected company. These companies may often insure only within specific states and give better rates than their larger competitors like State Farm and Allstate.

When you buy Corpus Christi car insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced liability limits or collision coverage and learned later that the small savings ended up costing them much more. Your goal is to buy enough coverage at the lowest possible cost.

To read more, feel free to browse these articles:

• Auto Insurance for Teen Drivers (Insurance Information Institute)
• What Car Insurance is Cheapest for a GMC Sierra in Corpus Christi? (FAQ)
• How Much are Car Insurance Rates for a Ford Escape in Corpus Christi? (FAQ)
• How Much are Corpus Christi Auto Insurance Quotes for a 20 Year Old Male? (FAQ)
• Vehicle Safety Ratings (iihs.org)
• Winter Driving (Insurance Information Institute)
• Teen Driving Statistics (GEICO)
• Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)