We don’t have to tell you that auto insurance companies want to keep you from comparing prices. Consumers who get price comparisons are inclined to switch insurance companies because of the high probability of finding a more affordable policy. Remarkably, a study showed that consumers who made a habit of comparing rate quotes saved an average of $865 a year compared to drivers who don’t regularly compare prices.
If saving the most money on auto insurance in Corpus Christi is your intention, then learning a little about how to get rate quotes and compare insurance coverage can save time and money.
The recommended way to get more affordable Toyota Highlander Hybrid insurance in Corpus Christi is to compare prices once a year from different companies who sell insurance in Texas.
- Try to understand what coverages are included in your policy and the measures you can take to drop your rates. Many rating factors that result in higher prices like traffic tickets, fender benders, and poor credit history can be amended by improving your driving habits or financial responsibility.
- Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give prices from one company like Progressive or Farmers Insurance, while independent agents can quote prices from multiple insurance companies.
- Compare the new quotes to your existing policy to see if a cheaper rate is available in Corpus Christi. If you can save money, make sure coverage is continuous and does not lapse.
One thing to remember is to compare similar limits and deductibles on each quote request and and to get price estimates from as many companies as you can. Doing this helps ensure an apples-to-apples comparison and the best rate selection.
If you are insured now, you will most likely be able to find better prices using the tips covered below. Quoting and buying cheaper insurance in Corpus Christi is not as confusing as people think. But Texas car owners need to learn how companies determine premium rates because rates fluctuate considerably.
When shopping for cheaper Corpus Christi auto insurance quotes, there are a couple of ways to obtain and compare prices from many available insurance companies in Texas. The simplest method to do a complete rate comparison is to jump online and get quotes.
It’s important to know that comparing a large number of companies helps locate a lower rate. Some insurance companies are not set up to provide online Corpus Christi Highlander Hybrid insurance quotes, so it’s necessary to compare rates from those companies as well.
The providers in the list below can provide free quotes in Corpus Christi, TX. To get cheap auto insurance in Texas, we suggest you get price quotes from several of them to get the best price comparison.
Why you need Toyota vehicle insurance in Texas
Despite the fact that auto insurance is not cheap in Corpus Christi, paying for auto insurance is mandatory in Texas but it also protects more than you think.
- Just about all states have compulsory liability insurance requirements which means you are required to carry a specific minimum amount of liability if you want to drive 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 Toyota has a lienholder, most banks will stipulate that you have comprehensive coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank may buy a policy for your Toyota at a much higher rate and require you to fork over a much higher amount than you were paying before.
- Auto insurance protects both your Toyota Highlander Hybrid and your assets. It will also reimburse you for most medical and hospital costs that are the result of an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If your car is damaged in a storm or accident, your policy will pay to have it repaired.
The benefits of buying enough insurance outweigh the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer overpays as much as $800 each year so you should quote and compare rates at least once a year to ensure rates are inline.
Why You Might Pay Lower Rates in Corpus Christi
Many different elements are part of the equation when pricing auto insurance. A few of the factors are predictable like your driving record, but others are less apparent such as your marital status and annual miles driven.
The following are some of the things car insurance companies consider when setting your prices.
Driver age impacts premiums – Older drivers have been proven to be more responsible, are lower risk to insure, and tend to be get fewer driving tickets. Youthful drivers are proven to be easily distracted when at the wheel of a vehicle and because of this, their car insurance rates are much higher.
Companies want multiple policies – Lots of car insurance companies apply better rates to customers who buy several policies from them such as combining an auto and homeowners policy. The amount of the discounts can be as much as ten percent or more Even if you qualify for this discount already, it’s always a smart idea to check prices from other companies to confirm you are receiving the best rates possible.
Optional features that lower rates – Choosing to buy a car that has a built-in theft deterrent system can help lower your rates. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all help stop car theft.
Claim-free discounts can add up – Auto insurance companies in Texas generally give lower rates to policyholders who are claim-free. If you frequently file small claims, you can definitely plan on higher premiums or even policy non-renewal. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
Safer the car lower the rate – Cars with high safety ratings get lower rates. Safer cars help reduce the chance of injuries in an accident and fewer serious injuries means less money paid by your insurance company which can result in lower premiums. If your Toyota earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
Loss statistics for a Toyota Highlander Hybrid – Insurance companies study historical loss data to help determine prices. Models that historically have higher loss trends will have higher rates for specific coverages.
The data below shows the actual insurance loss data for Toyota Highlander Hybrid vehicles. For each coverage category, the claim amount for all vehicles, regardless of make or model, is a value of 100. Numbers that are below 100 imply a favorable loss record, while values over 100 show a trend for more claims or statistically larger claims.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Toyota Highlander Hybrid 4dr 4WD | 111 | 143 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Lower rates by qualifying for discounts
Some providers don’t list all possible discounts very well, so the list below contains both the well known as well as some of the hidden discounts that you may qualify for. If you check and find you aren’t receiving every discount possible, it’s possible you qualify for a lower rate.
- First Accident Forgiveness – Not a discount per se, but some insurance companies will forgive one accident without raising rates if you have no claims for a certain period of time.
- Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off the medical payments premium.
- New Vehicle Savings – Buying a new car model can cost up to 25% less since newer vehicles have better safety ratings.
- No Claims – Insureds who avoid accidents and claims pay much less in comparison with drivers with a long claim history.
- Student Discounts – Maintaining excellent grades can be rewarded with saving of up to 25%. The discount lasts until age 25.
- Discounts for Government Workers – Being employed by or retired from a federal job may reduce rates when you quote Corpus Christi auto insurance with some auto insurance companies.
- Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents so you can save 10 percent or more.
- College Student Discount – Kids living away from Corpus Christi attending college and leave their car at home could get you a discount.
A quick disclaimer, most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, that’s just not realistic.
Insurance companies who may offer most of these discounts may include but are not limited to:
Check with each insurance company to give you their best rates. Some of the earlier mentioned discounts might not be offered everywhere. If you would like to choose from a list of auto insurance companies that can offer you the previously mentioned discounts in Texas, click here.
Special considerations
When it comes to proper insurance coverage, there really isn’t a one size fits all plan. Your financial needs are unique and your policy should reflect that.
For instance, these questions could help you determine if you might need professional guidance.
- Does coverage follow the driver or the vehicle?
- I have health insurance so do I need medical payments coverage?
- Do I have coverage when using my vehicle for my home business?
- Am I covered when pulling a rental trailer?
- Does my Toyota Highlander Hybrid qualify for pleasure use?
- What is the premium to book value ratio for dropping full coverage?
If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier
When should I get advice from an insurance agent?
Some consumers still prefer to visit with an insurance agent and that is a personal choice. One of the great benefits of getting free rate quotes online is that you can find cheap auto insurance rates and still have a local agent.
To find an agent, once you fill out this form (opens in new window), the quote information is immediately sent to local insurance agents that give free quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to leave your house since rate quotes are delivered to you directly. You can find better rates without requiring a lot of work. If you want to get a comparison quote from a specific insurance company, don’t hesitate to search and find their rate quote page and give them your coverage information.
Picking the best company is decision based upon more than just the price. Any agent in Corpus Christi should be forthright in answering these questions:
- Does the company have a solid financial rating?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Which family members are covered?
- What is the agency’s Better Business Bureau rating?
- Is their price quote a firm figure or are their hidden costs?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
Listed below is a short list of car insurance companies in Corpus Christi who can help you get price quotes for Toyota Highlander Hybrid insurance in Corpus Christi.
- Hochheim Prairie Insurance
4646 Corona Dr – Corpus Christi, TX 78411 – (361) 814-1097 – View Map - Farmers Insurance – Ruben Bonilla
2727 Morgan Ave #300 – Corpus Christi, TX 78405 – (361) 881-1033 – View Map - Farmers Insurance – Jennifer Tennill
1145 Waldron Rd – Corpus Christi, TX 78418 – (361) 939-7300 – View Map - Randy Ritter – State Farm Insurance Agent
6601 Everhart Rd, Ste H4 – Corpus Christi, TX 78413 – (361) 851-8611 – View Map
Upon getting answers to your satisfaction to any questions you have and a low price estimate, you may have just found an insurance company that will insure your vehicles. It’s important to know that it’s your policy and you can cancel a policy when you choose so don’t assume that you are obligated to a specific company with no way out.
Car insurance company ratings
Picking the best auto insurance provider can be difficult considering how many different companies there are to choose from in Corpus Christi. The rank data shown below may help you pick which insurers to look at buying from.
Top 10 Corpus Christi Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
More comparisons equals affordable rates
We just covered many ways to compare Toyota Highlander Hybrid insurance premium rates in Corpus Christi. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the biggest savings come from a small local company. Regional companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.
Budget-friendly car insurance in Corpus Christi is attainable both online and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies don’t offer online rate quotes and most of the time these smaller companies prefer to sell through independent agencies.
To learn more, feel free to visit the following helpful articles:
- Vehicle Insurance in the U.S. (Wikipedia)
- How Much are Corpus Christi Car Insurance Rates for a Toyota RAV4? (FAQ)
- What Auto Insurance is Cheapest for Inexperienced Drivers in Corpus Christi? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Active Military in Corpus Christi? (FAQ)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- A Tree Fell on Your Car: Now What? (Allstate)
- Parking Tips to Reduce Door Dings (State Farm)
- Determining Auto Insurance Rates (GEICO)