It’s easy to assume that auto insurance companies want to keep your business as long as possible. People who get price quotes annually will probably buy a different policy because they have a good chance of finding discount prices. A survey found that drivers who compared rates once a year saved as much as $860 a year compared to policyholders who never shopped around.
If finding the cheapest rates on insurance in Corpus Christi is your intention, then having a grasp of the best ways to find and compare insurance rates can help make the process easier.
If your goal is the lowest price, then the best way to get budget car insurance rates is to make a habit of comparing prices annually from companies in Corpus Christi. Rates can be compared by following these steps.
- Get a basic knowledge of how insurance works and the changes you can make to lower rates. Many factors that cause high rates like your driving record and a lousy credit rating can be remedied by being financially responsible and driving safely.
- Quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like Progressive or State Farm, while agents who are independent can quote prices for many different companies.
- Compare the quotes to the premium of your current policy and determine if there is any savings. If you find better rates and switch companies, make sure there is no coverage gap between policies.
- Notify your current company to cancel your current coverage. Submit a completed application and payment for your new coverage. As soon as coverage is bound, keep the new certificate of insurance somewhere easily accessible.
The most important part of shopping around is to make sure you enter the same coverage limits and deductibles on every quote and and to get price estimates from as many companies as feasibly possible. Doing this helps ensure the most accurate price comparison and maximum price selection.
Get cheaper Audi S4 insurance rates in Corpus Christi
Car insurance is neither fun to buy or cheap, but you can get discounts that can dramatically reduce your bill. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be asked for prior to receiving the credit. If you don’t get every credit available, it’s possible you qualify for a lower rate.
- First Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies will allow you to have one accident without getting socked with a rate hike with the catch being you have to be claim-free for a certain period of time.
- Safety Restraint Discount – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off the PIP or medical payment premium.
- Buy New and Save – Putting insurance on a new S4 can save up to 30% compared to insuring an older model.
- E-sign Discounts – Many companies will give you a small discount for buying your policy over the internet.
- Distant Student – College-age children who are enrolled in a college that is more than 100 miles from Corpus Christi and won’t have access to an insured vehicle may qualify for this discount.
- Passive Restraint Discount – Cars that have air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.
- Accident Free – Drivers with accident-free driving histories pay less as compared to policyholders that have many claims.
- Bundle and Save – If you combine your homeowners and auto policies with one insurance company you could get a discount of up to 20% and get you inexpensive Audi S4 insurance in Corpus Christi.
- Memberships – Affiliation with qualifying clubs or civic groups can get you a small discount on your bill.
It’s important to understand that some of the credits will not apply to the whole policy. Most cut specific coverage prices like comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way.
The diagram below visualizes the comparison of Audi S4 insurance rates with and without discounts applied to the premium. The rates are based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, multi-policy, homeowner, and marriage discounts applied.
A partial list of companies that have these discounts include:
When quoting, ask every prospective company how you can save money. Some discounts listed above might not be offered in Corpus Christi. To choose providers offering car insurance discounts in Corpus Christi, follow this link.
The companies in the list below are our best choices to provide quotes in Texas. To get the cheapest car insurance in TX, it’s a good idea that you visit several of them to get the best price comparison.
Facts and figures for Audi S4 insurance
The premium information displayed below showcases detailed analysis of policy rates for Audi S4 models. Learning how auto insurance premiums are established can help drivers make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $344 | $614 | $424 | $26 | $128 | $1,536 | $128 |
| S4 Quattro 4-Dr Sedan | $344 | $614 | $424 | $26 | $128 | $1,536 | $128 |
| S4 Quattro 4-Dr Sedan | $378 | $614 | $424 | $26 | $128 | $1,570 | $131 |
| S4 Quattro 4-Dr Sedan | $378 | $614 | $424 | $26 | $128 | $1,570 | $131 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in specific zip code location which can modify premium rates greatly.
Should you raise deductibles?
The hardest decision when buying coverage is at what level do you set your deductibles. The rates below help summarize the differences in premium rates when you choose different physical damage coverage deductibles. The first rate comparisons uses a $100 physical damage coverage deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $412 | $908 | $324 | $20 | $96 | $1,785 | $149 |
| S4 Quattro 4-Dr Sedan | $412 | $908 | $324 | $20 | $96 | $1,785 | $149 |
| S4 Quattro 4-Dr Sedan | $454 | $908 | $324 | $20 | $96 | $1,827 | $152 |
| S4 Quattro 4-Dr Sedan | $454 | $908 | $324 | $20 | $96 | $1,827 | $152 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| S4 Quattro 4-Dr Sedan | $228 | $478 | $324 | $20 | $96 | $1,146 | $96 |
| S4 Quattro 4-Dr Sedan | $228 | $478 | $324 | $20 | $96 | $1,146 | $96 |
| S4 Quattro 4-Dr Sedan | $252 | $478 | $324 | $20 | $96 | $1,170 | $98 |
| S4 Quattro 4-Dr Sedan | $252 | $478 | $324 | $20 | $96 | $1,170 | $98 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Information does not factor in garaging location in Corpus Christi which can increase or decrease prices greatly.
Using the premium rates above, we can conclude that using a $100 deductible will cost you about $54 more each month or $648 a year across all Audi S4 models than buying the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at a minimum 17 months between claim filings, you would save more money by going with a higher deductible.
Rate increases following a ticket or accident
The chart below shows how speeding tickets and at-fault fender-benders raise Audi S4 insurance rates for different categories of driver ages. The rates are based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
There’s no such thing as the perfect auto insurance policy
When it comes to proper insurance coverage for your vehicles, there is no best way to insure your cars. Your financial needs are unique.
For example, these questions can aid in determining if your insurance needs would benefit from professional advice.
- Why am I be forced to buy a membership to get insurance from some companies?
- Should I have a commercial auto policy?
- How do I buy GAP insurance?
- Why am I required to buy high-risk coverage?
- Is my Audi S4 covered for flood damage?
- How does medical payments coverage work?
- Should I rate my vehicle as business use?
- What should my uninsured motorist coverage limits be in Texas?
- Can I afford to pay high deductible claims out of pocket?
- Do I get a pro-rated refund if I cancel my policy early?
If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.
Shop online but buy locally
Some people just want to sit down with an agent and that is recommended in a lot of cases Good insurance agents are trained risk managers and help file insurance claims. A good thing about comparing insurance prices online is you may find lower rates but still work with a licensed agent. Buying from local agencies is definitely important in Corpus Christi.
After completing this quick form, your insurance data is submitted to participating agents in Corpus Christi who can give free rate quotes for your business. You never need to search for an agent since price quotes are sent to you instantly. If you have a need to get a rate quote for a specific company, feel free to navigate to their website and give them your coverage information.
If you want to use a local insurance agency, you need to know there are two different types of agents and how they can write your policy. Agents in Corpus Christi are categorized either exclusive or independent (non-exclusive). Both can write car insurance policies, but it’s worth learning why they differ because it can factor into which agent you choose.
Independent Car Insurance Agents (or Brokers)
Agents in the independent channel are not employed by one company so as a result can place your coverage with any number of different companies and get you the best rates possible. If you want to switch companies, they simply switch companies in-house and you can keep the same agent.
When comparing rate quotes, it’s recommended you get some free quotes from a couple of independent agencies so that you have a good selection of quotes to compare. Most also have access to additional companies that you may not be familiar with which may provide better rates.
Listed below are independent agents in Corpus Christi that can give you cheap rate quotes.
- Star Advantage Insurance Agency
15201 S Padre Island Dr – Corpus Christi, TX 78418 – (361) 949-0396 – View Map - All American Hallmark Ins
4510 Weber Rd a – Corpus Christi, TX 78411 – (361) 993-6643 – View Map - Crawford Insurance
5262 S Staples St # 300 – Corpus Christi, TX 78411 – (361) 654-2788 – View Map
Exclusive Agents
Exclusive agents can only provide one company’s prices and some examples include State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agents are usually well trained on sales techniques which helps them compete with independent agents. Many people use the same agent partially due to the brand legacy and the convenience of having a single billing for all their coverages.
Shown below is a list of exclusive insurance agencies in Corpus Christi that are able to give rate quotes.
- Jessica Kelly – State Farm Insurance Agent
5337 Yorktown Blvd #2b – Corpus Christi, TX 78413 – (361) 854-3225 – View Map - Allstate Insurance: James Aleman
6262 Weber Rd Ste 112 – Corpus Christi, TX 78413 – (361) 806-2133 – View Map - Farmers Insurance – Jennifer Tennill
1145 Waldron Rd – Corpus Christi, TX 78418 – (361) 939-7300 – View Map
Finding a good insurance agent is decision based upon more than just a cheap price. Any agent in Corpus Christi should have no problem answering these questions:
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How will an accident affect your rates?
- How are they compensated?
- Are claim adjusters local or do you have to take your car somewhere else?
- Does the company allow you to choose your own collision repair facility?
Best auto insurance in Texas
Ending up with a good quality auto insurance company is difficult considering how many different insurance companies sell coverage in Texas. The information displayed below can help you pick which insurers to look at purchasing coverage from.
Top 10 Corpus Christi Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Top 10 Corpus Christi Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
How much can you save?
When trying to cut insurance costs, never buy less coverage just to save a little money. There are a lot of situations where drivers have reduced collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at the best possible price, but do not sacrifice coverage to save money.
Consumers switch companies for a number of reasons such as denial of a claim, delays in responding to claim requests, extreme rates for teen drivers and even lack of trust in their agent. It doesn’t matter what your reason, choosing a new insurance company can be less work than you think.
Some insurance providers may not provide the ability to get a quote online and these smaller companies only sell through independent agents. Cheaper Audi S4 insurance in Corpus Christi is definitely available on the web in addition to many Corpus Christi insurance agents, so you should compare both to have the best rate selection.
Additional information can be found at the links below
- State Laws for Cellphones and Texting (iihs.org)
- Who Has the Cheapest Auto Insurance for a Nissan Rogue in Corpus Christi? (FAQ)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)