Auto Insurance in Corpus Christ, TX
(361) 400-2973
Every minute of every day, there’s an auto accident reported in Texas, once every 59 seconds, and about half of those accidents also involve injuries. Corpus Christi, as the 8th largest city in Texas, has its fair share of fender benders and mobile mishaps as well. This short guide discusses essential auto insurance coverages you’ll need to protect both your car or truck and your wallet.
Address: 5402 Holly Road, Suite 2104 Corpus Christi, TX 78411
Fax: 866-902-2976
Balsiger Insurance: Corpus Christi
Balsiger Insurance is an independent insurance agency serving the Corus Christi area.
There are many benefits to selecting a local Corpus Christi independent agency for your insurance needs. We represent the top-rated insurance carriers in Texas. We also have longstanding local roots. The combination of expertise, market reach, and local roots means we give Corpus Christi the best insurance options available today.
Whether you are in the market for auto, home, life, or business insurance, Balsiger Insurance in Corpus Christi can help.
Car Insurance Basics:
Average Cost of Car Insurance in Corpus Christi
According to a recent study, which compared car insurance rates for a 30 year old male, Corpus Christi had an average car insurance rate of $2,200, slightly less than the state average in Texas. Whether you’re new to the Corpus Christi area or have lived here for years, your rate can vary significantly from the average, either higher or lower.
Corpus Christi car insurance rates are based on many factors, with some insurers using thousands of data points to determine a rate. Among the factors that often have the most impact are the type of car you drive, your claims history, marital status, and whether or not you own your home.
What’s Covered by a Typical Car Insurance Policy?
Your car insurance Corpus Christi policy has four main coverages as well as some smaller coverages related to these.
Collision Coverage
This coverage is for your car or truck and pays to repair damage due to impact with another vehicle or a stationary object, or due to a vehicle rollover. Most lenders require this coverage and even if the car is paid off, collision coverage can be a lifesaver. If your car can’t be repaired for less than the car’s value, your insurer pays you for your car’s actual cash value, less your deductible.
Comprehensive Coverage
If collision coverage is for auto accidents, you can think of comprehensive coverage as coverage for (almost) everything else. Theft, vandalism, impact with animals, falling branches, hail damage, broken glass, and more are covered by comprehensive coverage.
Liability Coverage
Liability coverage is the part of your auto insurance policy that’s required by law because it’s coverage for other people — and their property. Most people in Corpus Christi don’t own vehicles worth hundreds of thousands of dollars. The potential loss if your car is damaged is limited to the value of your car.
However, if you injure someone or someone injures you, the costs can be dramatically higher than just a damaged car. One part of your liability coverage is for bodily injury to others. A second part of your liability coverage is for damage to the property of others, including other cars, street signs, guardrails, buildings, or anything else that people sometimes bump into with their cars.
PIP or Med Pay
In Texas, you have the option of Personal Injury Protection or Med Pay to pay for injuries of people insured on your policy if injured by an automobile. Med Pay is a simpler coverage, paying only for medical expenses. Personal Injury Protection (PIP) is a more robust coverage, providing for other injury-related expenses, such as income replacement.
What Are the Minimum Car Insurance Requirements for Texas?
Texas requires liability coverage for automobiles:
- Bodily Injury Liability Insurance: $30,000 per person/$60,000 per accident
- Property Damage Liability Insurance: $25,000 per accident