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Are you wanting cheap auto insurance in Corpus Christi, TX? At AutoInsuranceEZ.com, we can help you find it. All you need to do is input your zip code in the search box listed below – it’s that easy!

The Latin translation of Corpus Christi literally means “the body of Christ”, and was originally named by catholic explorers from Spain during the colonial days. Today, it is also known as the “sparkling City by the Sea” and is home to the 5th largest naval station in the US.

  • Fun Fact: stretch your legs, because Corpus Christi is #37 on the list of “Top 100 cities with largest land areas (pop. 50,000+)”. Discover more about Corpus Christi.

Auto Insurance Coverage Requirements in Texas

Driving legally in Corpus Christi requires:

Coverage Requirements Most Common
Bodily Injury Liability 30,000/60,000 30,000/60,000
Property Damage Liability 25,000 25,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 2,500
Collision Not required 500 deductible
Comprehensive Not required 500 deductible

Uninsured motorists could be a big – and costly – problem when you get into any sort of accident with one. And, unfortunately, the state mandatory minimums in Texas do not require Uninsured Motorist coverage in your policy, to safeguard you against the worst possible situations. So you might want to think about purchasing some additional coverage.

Residing in Texas means that you’re most likely having to pay a minimum of $134 monthly for a Texas auto insurance plan, or even more. But are you aware that Corpus Christi motorists could possibly get covered for approximately $94/mo* or fewer? We’ll demonstrate ways to get the cheapest possible rate for your family.

Average Monthly Auto Insurance Premiums Legend: Corpus Christi Texas Farm Bureau State Farm Encompass Mercury Allstate 15 30 45 60 75 90 105 120 135 150 165 $59 $110 $121 $99 $179

 

Among Texas providers, it’s difficult to find a lesser rate in Corpus Christi between Mercury or the Texas Farm Bureau. But when you are within the mood to change companies, make certain you perform a little research first. Not companies having a low rate also include stellar customer support and efficient claims processing.

Companies which offer motor vehicle insurance policies consider numerous elements while figuring out insurance quotes, like driving experience, zip code, type of vehicle owned, miles driven each year, and current insurance coverage and limits. Also take into account that premiums differ from one company to another. To find out if you are still being charged the cheapest fee, do a comparison of cheap Corpus Christi motor vehicle insurance premiums online.

Major Car Insurance Factors in Corpus Christi

Trying to search for discounted insurance might seem like an uphill battle. Many of the elements which providers use in order to figure out what to charge you, after all, are hard to change. But some aspects of your risk profile are easier to change than you might think!

  • Your Zip Code

Vehicle insurance providers need to know where you reside (or the places you will probably be driving a car usually) as a way to compute the prospect of an accident. It all amounts to a simple concept: the greater the population, the greater number of automobiles you’ll encounter while travelling, and therefore the more opportunities you will have to crash into or be crashed into by another automobile. The populace of Corpus Christi is 316,381 and the common family income is $49,686.

Average Monthly Auto Insurance Premiums Legend: San Antonio Fort Worth Dallas Austin Corpus Christi Texas Farm Bureau State Farm Encompass Mercury Allstate 15 30 45 60 75 90 105 120 135 150 165 $55 $49 $80 $56 $59 $90 $85 $97 $89 $110 $85 $81 $111 $71 $121 $86 $90 $110 $90 $99 $127 $118 $165 $132 $179

 

  • Automotive Accidents

The number of accidents in Corpus Christi isn’t small – and when you calculate it on a per capita basis, the statistics get even worse. And driving on dangerous roads will make your local insurance provider raise their rates on you – unless you can qualify for a Safe Driving discount, that is.

Fatal Accidents in Corpus Christi, TX Legend: Corpus Christi Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 20 25 30 35 40 45 19 25 9 19 45 4

 

  • Auto Thefts in Corpus Christi

Finding low-cost motor vehicle insurance can be difficult if you are at risk for auto theft. Several trendy car or truck models are popular with thieves, and also automobiles which might be parked typically in huge urban centers. The total amount of stolen vehicles in 2013 rose to 487 for Corpus Christi. And if you don’t want to become another auto theft statistic, you’ll want to make sure you have Comprehensive coverage.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Texas Farm Bureau State Farm Encompass Mercury Allstate 15 30 45 60 75 90 105 120 135 150 165 $59 $61 $110 $137 $121 $92 $99 $59 $179 $128

 

  • Your Credit Score

For much better or worse, your credit rating determines several things about your existence. Your monthly automotive insurance premium is among these aspects, too. And also the greater your score, the less you will be having to pay every month to remain covered.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Texas Farm Bureau State Farm Encompass Mercury Allstate 30 60 90 120 150 180 210 240 270 300 $51 $95 $64 $153 $95 $315 $50 $94 $114 Do Not Sell

 

  • Your Age

Regrettably, youthful, unskilled, and impulsive motorists are the greatest-risk motorists with regards to engaging in any sort of accident. And also the more youthful you are, the greater it’ll cost you to get protected. But ask your agent about Good Student and Driver’s Ed discount rates they are able to help alleviate the responsibility.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Texas Farm Bureau State Farm Encompass Mercury Allstate 50 100 150 200 250 300 350 400 450 500 $59 $215 $110 $261 $121 Do Not Sell $99 $543 $179 $474

 

  • Your Driving Record

Getting a small breach or two in your record can raise up your premiums to shatteringly high levels. However, many providers are providing “Accident Forgiveness” discount rates to motorists whose previous violations aren’t that serious.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Texas Farm Bureau State Farm Encompass Mercury Allstate 20 40 60 80 100 120 140 160 180 200 220 $59 $59 $100 $72 $110 $113 $173 $95 $121 $111 Do Not Sell $156 $99 $115 $100 $71 $179 $134 Do Not Sell $221

 

  • Your Vehicle

If you are likely to insure an extravagance vehicle, you are going to need to pay for it having a luxury insurance plan. In the end, should you only buy the state minimum coverage, and also you enter into a significant wreck, you may be left having to pay the bulk of the (luxuriously large) bill.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Texas Farm Bureau State Farm Encompass Mercury Allstate 20 40 60 80 100 120 140 160 180 $59 $78 $110 $129 $121 $135 $99 $189 $179 $190

 

Minor Car Insurance Factors in Corpus Christi

Don’t be concerned, there are more factors you are able to adjust to modify your monthly premium:

  • Your Marital Status

Married people can engage in policy bundling for excellent use of discount rates. And also the greater number of products your provider offers, the greater you are able to bundle (and also the more it can save you!)

  • Your Gender

According to record data, you are just like likely to get involved with any sort of accident as the next driver, despite gender. Due to this, a lot of companies think before charging greater than a 1-2% difference according to gender, when they charge different rates whatsoever.

  • Your Driving Distance to Work

Corpus Christi commutes are about average when compared to most other cities – most drivers can get to and from work in about 15-20 minutes. Just over 74% of motorists use their own vehicle in order to commute, while an additional 16% will likely carpool.

Business automobiles are extremely costly to insure – they are able to cost as much as 12% greater than personal automobiles. Even though some companies claim it can save you by cutting lower in your yearly mileage, the most drastic cuts can get you 3-4%, for the most part.

  • Your Coverage and Deductibles

Your deductible is the quantity of up-front cash you have to pay if you need to file certain kinds of claims. In case your lift up your deductible, insurance companies will probably decrease your rate per month. But this makes it more costly to file your claims later on.

  • Education in Corpus Christi, TX

Most education levels in Corpus Christi revolve around high school – 25% of residents have finished the requirements for a high school diploma, while 24% have not yet completed all four years. If you fall into either of these groups, you’ll be pleased to know that improving your education will benefit more than just your job prospects; it will also lower your car insurance rates!

There are several major universities as well as technical and vocational schools for residents living in Corpus Christi. Texas A&M operates a campus in the city, and students looking for a private option can look into Our Lady of Corpus Christi, which is affiliated with the Catholic Church. For a valuable degree in less than four years, you can look into South Texas Vo-Tech or the Vogue Cosmetology School.

Automobile insurance can be described as a mandatory part of purchasing and utilizing just about any vehicle. A number of automobile insurance providers realize that, and apply their advanced information data sources to charge higher rates; other businesses simply want to supply fine business for a reasonable price. To find these companies, use the quote box down below to locate a decreased quote now.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Texas Department of Insurance

Finance Commission of Texas

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

Start comparing rates immediately. It only takes a few minutes, and you will save a bundle!

FIND THE CHEAPEST INSURANCE QUOTES IN YOUR AREA
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