Follow These Proven Methods for Cheaper Corpus Christi Auto Insurance

Buying the most affordable Corpus Christi auto insurance on the web can seem to be challenging for beginners to comparison shopping online. With a ridiculous number of insurance companies available, how can Corpus Christi drivers possibly compare every company to locate the lowest price available?

Corpus Christi Auto Insurance Prices Online

There are a variety of methods you can shop for auto insurance but some are less time-consuming than others. You can spend countless hours driving to local insurance agents in Corpus Christi, or you could use the internet to accomplish the same thing much quicker.

Most car insurance companies take part in a program that allows shoppers to complete one form, and every company can provide price quotes for coverage. This system prevents you from having to do form submissions for each company you want a rate for. To compare pricing click to open in new window.

The only downside to getting quotes like this is you can’t choose which providers you want to price. If you prefer to choose specific providers to request quotes from, we have a page of low cost auto insurance companies in Texas. View list of Texas insurance companies.

It’s up to you which method you use, but ensure you’re using exactly the same coverages and limits on every quote you get. If you are comparing differing limits it will be very difficult to make a fair comparison in Corpus Christi. Slightly different insurance coverages can mean a large discrepancy in price. And when comparing auto insurance rates, know that more quotes provides better odds of finding a better price.

Will just any policy work for me?

When buying the right insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different.

For example, these questions might point out if you would benefit from professional advice.

• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Are my friends covered when driving my vehicle?
• Is my teen driver covered when they drive my company car?
• Is a new car covered when I drive it off the dealer lot?
• Does having multiple vehicles earn me a discount?
• Do I have coverage when using my vehicle for my home business?
• What should my uninsured motorist coverage limits be in Texas?
• Do I have any recourse if my insurance company denies a claim?
• Do I need roadside assistance coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Are insurance agents obsolete?

Certain consumers prefer to visit with an insurance agent and that is a personal choice. The biggest benefit of comparing insurance prices online is you can get the best rates and still choose a local agent. And supporting local insurance agencies is important particularly in Corpus Christi.

For easy comparison, once you complete this simple form, the quote information is instantly submitted to local insurance agents in Corpus Christi who will return price quotes for your insurance coverage. You don’t have to drive around since price quotes are sent immediately to your email address. It doesn’t get any easier! You can find better rates and a licensed agent to work with.

Types of auto insurance agents in Corpus Christi

When researching a good insurance agency, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Corpus Christi agents can either be independent (non-captive) or captive.

Independent Agents

Independent insurance agents do not work for one specific company but instead can place your coverage with lots of companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part. When comparing rates, it’s recommended you get quotes from at a minimum one independent agency to get the best comparison. They often place coverage with lesser-known insurance companies which can save you money.

Shown below are Corpus Christi independent insurance agencies that can give you rate quotes.

• Jesse Garcia Insurance – 2033 Airline Rd # E5 – Corpus Christi, TX 78412 – (361) 906-1919
• Dennis Trevino Agency – 6410 Weber Rd # 11d – Corpus Christi, TX 78413 – (361) 814-0123
• Reed Agency – 6500 S Padre Island Dr # 16b – Corpus Christi, TX 78412 – (361) 994-1886
• Reed Agency – 13434 Leopard St – Corpus Christi, TX 78410 – (361) 241-6120
• Lancaster Bay Insurance – 3124 S Alameda St – Corpus Christi, TX 78404 – (361) 853-0405

Captive Insurance Agents

Captive agents write business for a single company such as American Family, State Farm and Allstate. They generally cannot compare other company’s rates so they are skilled at selling on more than just price. These agents are trained well in insurance sales which can be an advantage. Consumers sometimes purchase coverage from captives partially due to loyalty to the company and strong financial ratings.

Listed below is a short list of captive insurance agencies in Corpus Christi that are able to give price quote information.

• Farmers Insurance Group – 4646 Corona Dr # 240 – Corpus Christi, TX 78411 – (361) 855-4000
• State Farm Insurance – 5425 S Padre Island Dr # 122 – Corpus Christi, TX 78411 – (361) 993-3553
• Farm Bureau Insurance – 4925 Everhart Rd # 103 – Corpus Christi, TX 78411 – (361) 852-6016
• Allstate Insurance – 4535 S Padre Island Dr # 37 – Corpus Christi, TX 78411 – (361) 854-2383

To view a complete directory of Corpus Christi captive insurance agencies, visit this link.

Deciding on an insurance agency shouldn’t rely on just a cheap price. Any agent should have no problem answering these questions:

• Do you have coverage for a rental car if your vehicle is in the repair shop?
• If you are a high risk driver, do they have special markets for your coverage?
• Are they full-time agents?
• Will their companies depreciate repairs to your car based on the mileage?
• Which members of your family are coverage by the policy?
• Do they have any clout with companies to ensure a fair claim settlement?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Is the agency involved in supporting local community causes?

After getting positive responses to these questions and a low price estimate, you may have just found an insurance agency that meets your needs to properly service your auto insurance policy.

More information can be read on the Texas Department of Insurance website through this link. Texas drivers can file complaints about an insurance agent or broker, learn about specific coverages, find disaster information, and read consumer alerts.