It’s an obvious statement that car insurance companies don’t want you to compare rates. Consumers who shop around for the cheapest rate will, in all likelihood, move their business because there is a significant possibility of finding better rates. Surprisingly, a recent survey revealed that people who routinely shopped around saved an average of $3,500 over four years compared to drivers who never shopped around.
If finding low prices for auto insurance is your intention, then learning about the best ways to shop for cheaper coverage can save money and time.
If you want to save the most money, the best way to find low-cost Volvo XC60 insurance is to compare prices annually from providers that sell auto insurance in Corpus Christi.
- First, take a little time to learn about how car insurance works and the factors you can control to keep rates in check. Many rating criteria that increase rates such as speeding tickets, accidents and a lousy credit rating can be eliminated by making minor changes to your lifestyle.
- Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like Progressive or State Farm, while independent agencies can provide price quotes from multiple companies.
- Third, compare the new quotes to your existing coverage to determine if you can save on XC60 insurance. If you find a better price, make sure there is no lapse in coverage.
- Fourth, provide adequate notice to your current company of your intention to cancel your current car insurance policy and submit payment and a signed application to your new company or agent. Once received, safely store the certificate verifying proof of insurance with your registration paperwork.
One key aspect when comparing rates is to use the same level of coverage on every quote and and to compare every company you can. This ensures a fair rate comparison and plenty of rates choose from.
The quickest way to compare car insurance rates for Volvo XC60 insurance in Corpus Christi is to know car insurance companies participate in a system to quote your coverage. To begin a comparison, all you need to do is provide a small amount of information like the year, make and model of vehicles, whether you drive to work or school, if you’re married, and how many miles driven. Your details is instantly submitted to multiple insurance providers and they provide comparison quotes with very little delay.
To compare rates for your Volvo XC60 now, click here and find out if you can get cheaper insurance in Corpus Christi.
The car insurance companies shown below are ready to provide quotes in Texas. If your goal is to find cheap car insurance in Corpus Christi, TX, we suggest you click on several of them to get a more complete price comparison.
Rates and statistics
The data table below covers detailed analysis of coverage prices for Volvo XC60 models. Having knowledge of how insurance premiums are calculated is important to be able to make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $294 | $496 | $324 | $20 | $96 | $1,230 | $103 |
| XC60 3.2 AWD | $332 | $496 | $324 | $20 | $96 | $1,268 | $106 |
| XC60 T6 AWD AWD | $332 | $584 | $324 | $20 | $96 | $1,356 | $113 |
| XC60 T6-R AWD AWD | $370 | $584 | $324 | $20 | $96 | $1,394 | $116 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in specific location which can influence coverage prices substantially.
Analysis of deductible levels
When buying auto insurance, a common question is which deductible level should you buy. The rates shown below approximate how much more rates are between low and high insurance deductibles. The first data set uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $294 | $496 | $324 | $20 | $96 | $1,255 | $105 |
| XC60 3.2 AWD | $332 | $496 | $324 | $20 | $96 | $1,293 | $108 |
| XC60 T6 AWD AWD | $332 | $584 | $324 | $20 | $96 | $1,381 | $115 |
| XC60 T6-R AWD AWD | $370 | $584 | $324 | $20 | $96 | $1,419 | $118 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XC60 3.2 2WD | $240 | $400 | $324 | $20 | $96 | $1,080 | $90 |
| XC60 3.2 AWD | $270 | $400 | $324 | $20 | $96 | $1,110 | $93 |
| XC60 T6 AWD AWD | $270 | $472 | $324 | $20 | $96 | $1,182 | $99 |
| XC60 T6-R AWD AWD | $300 | $472 | $324 | $20 | $96 | $1,212 | $101 |
| 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 safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price estimates do not factor in specific garaging location which can raise or lower premiums greatly.
Using the data above, we can ascertain that using a $250 deductible will cost you about $16 more each month or $192 a year than quoting the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 16 months between claims, you would most likely save money if you choose a higher deductible.
The illustration below shows how choosing a deductible and can impact Volvo XC60 insurance costs for different age groups of insureds. The data is based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.
Comparison of full coverage and liability-only policies
The diagram below compares Volvo XC60 insurance costs with full coverage and liability only. The data is based on no tickets, no at-fault accidents, $1,000 deductibles, single status, and no discounts are applied to the premium.
When to drop full coverage
There is no set guideline of when to phase out physical damage insurance, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s say your Volvo XC60 book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $3,000 after the policy deductible has been paid. If premium cost is more than $300 annually for your policy with full coverage, then you might consider buying liability only.
There are a few cases where removing full coverage is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Get cheaper Volvo XC60 insurance rates in Corpus Christi
Insurance can cost an arm and a leg, but there may be some discounts that may help make it more affordable. Some discounts will apply at the time of quoting, but a few must be specially asked for before you will receive the discount. If you check and find you aren’t receiving every discount available, you could be saving more on your car insurance.
- Low Mileage – Maintaining low annual mileage may allow you to get lower prices on the low mileage vehicles.
- Drivers Education – Require your teen driver to participate in a local driver’s education class in school.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save up to 15% on medical payment and PIP coverage.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions and earn discounts up to 10%.
- Accident Forgiveness Coverage – Not a discount per se, but some insurance companies permit an accident before raising your premiums so long as you haven’t had any claims for a specific time period.
- Passive Restraints – Options like air bags can qualify for discounts of 20% or more.
- Discounts for New Vehicles – Buying a new car model is cheaper since newer vehicles have better safety ratings.
- Good Grades Discount – Maintaining excellent grades can save 20 to 25%. You can use this discount normally until age 25.
- Discount for Life Insurance – If the company offers life insurance, you could get a lower price if you buy a life policy as well.
As a footnote on discounts, most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it appears adding up those discounts means a free policy, nobody gets a free ride. But all discounts will bring down the amount you pay for coverage.
The illustration below illustrates the comparison of Volvo XC60 auto insurance rates with and without discounts applied to the policy rates. The costs are based on a male driver, no violations or claims, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, claim-free, multi-car, homeowner, and multi-policy discounts applied.
Some of the insurance companies who may offer most of these discounts are:
Before purchasing a policy, check with each company which discounts can lower your rates. Some of the discounts discussed earlier may not be available in your area. To locate insurance companies who offer online Volvo XC60 insurance quotes in Corpus Christi, follow this link.
Insurance does more than just repair your car
Despite the high insurance cost for a Volvo XC60 in Corpus Christi, paying for insurance serves an important purpose.
First, just about all states have compulsory liability insurance requirements which means you are required to buy a minimum amount of liability 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.
Second, if you bought your vehicle with a loan, it’s guaranteed your bank will force you to have insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender may insure your Volvo for a much higher rate and require you to pay much more than you were paying before.
Third, insurance safeguards not only your Volvo XC60 but also your assets. It will also reimburse you for many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If you have damage to your Volvo as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of buying insurance more than offset the price you pay, particularly if you ever have a claim. As of last year, the average driver in Texas is wasting up to $810 a year so you should quote and compare rates every year to help ensure money is not being wasted.
Different people need different car insurance coverages
When buying insurance from an agent or online, there really is not a “perfect” insurance plan. Your financial needs are unique so your insurance needs to address that.
Here are some questions about coverages that can help discover if your situation will benefit from professional help.
- I have health insurance so do I need medical payments coverage?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- How much underlying liability do I need for an umbrella policy?
- Does my car insurance cover rental cars?
- How can I find cheaper teen driver insurance?
- Does coverage extend to a rental car in a foreign country?
- When does my teenage driver need to be added to my policy?
- Is a new car covered when I drive it off the dealer lot?
- Does my insurance cover damage caused when ticketed for reckless driving?
- What can I do if my company denied a claim?
If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Compare rate quotes but work with a local Corpus Christi insurance agent
A small number of people just prefer to buy from a licensed agent and that is OK! Insurance agents can help you build your policy and will help you if you have claims. The best thing about comparing insurance prices online is that you can obtain the best rates and still buy from a local agent. Buying from and supporting local agents is important especially in Corpus Christi.
Once you complete this simple form, the coverage information is transmitted to companies in Corpus Christi who will gladly provide quotes for your insurance coverage. You won’t need to even leave your home since rate quotes are delivered immediately to you. If for some reason you want to get a rate quote from one company in particular, you would need to navigate to their website and submit a quote form there.
Pick the best car insurance agent in Corpus Christi for you
When looking for a good Corpus Christi insurance agent, it’s helpful to know the types of agencies from which to choose. Insurance agencies are classified as either independent or exclusive. Both write policy coverage, but it is important to understand the difference in the companies they write for since it can impact which agent you choose.
Independent Agents (or Brokers)
These agents can sell policies from many different companies and that gives them the ability to insure with many different companies and find the cheapest rate. If premiums increase, the business is moved internally and you stay with the same agent.
When comparing insurance rates, it’s a good idea to get rate quotes from at a minimum one independent agency to ensure the widest selection of prices. They often place coverage with smaller regional carriers which can save you money.
The following are independent agencies in Corpus Christi who may provide free insurance rate quotes.
- Alliance Insurance Agency, Inc.
13310 Leopard St #4 – Corpus Christi, TX 78410 – (361) 241-3303 – View Map - Trinity Insurance
4439 Gollihar Rd – Corpus Christi, TX 78411 – (361) 854-8600 – View Map - CMM Insurance
1901 Baldwin Blvd # C – Corpus Christi, TX 78404 – (361) 654-0085 – View Map
Exclusive Insurance Agents
Agents that elect to be exclusive generally can only insure with one company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to provide other company’s prices so you might not find the best rates. Exclusive insurance agents are trained well on their company’s products and that allows them to sell at a higher price point. Consumers frequently buy from exclusive agents partially due to loyalty to the company and the convenience of having all coverages with one company.
Listed below is a list of exclusive agencies in Corpus Christi who can help you get price quotes.
- Ray Paiz – State Farm Insurance Agent
5425 S Padre Island Dr #122 – Corpus Christi, TX 78411 – (361) 993-3553 – View Map - Farmers Insurance – Jennifer Tennill
1145 Waldron Rd – Corpus Christi, TX 78418 – (361) 939-7300 – View Map - Allstate Insurance: Donald Morrison
4535 S Padre Island Dr Ste 37 – Corpus Christi, TX 78411 – (361) 854-2383 – View Map
Selecting an car insurance agent needs to be determined by more than just a low price. Any agent in Corpus Christi should be forthright in answering these questions:
- Which companies can they place coverage with?
- Are they paid to recommend certain coverages?
- Is the coverage adequate for your vehicle?
- How long have they worked with personal auto insurance coverage?
- Is vehicle mileage a factor when determining depreciation for repairs?
After you get good responses to your questions as well as a affordable price, it’s possible that you found an auto insurance agent that is reputable and can insure your vehicles. It’s important to know that you can always terminate your policy when you choose so don’t think that you’re stuck with your new company for any length of time.