Best Chevy Corvette Insurance in San Antonio

Paying for high-priced Chevrolet Corvette insurance in San Antonio can overdraw your funds and force you to cut corners elsewhere. Doing a price comparison can save money and help to cut your insurance bill.

Insurance quote for Chevy Corvette in San AntonioA recent car insurance study discovered that nearly 70% of Texas drivers kept buying from the same company for at least the last four years, and almost half have never shopped around. Many consumers in the United States could cut their rates by $860 a year by just comparing quotes, but they don’t know how much savings they would realize if they switch to a new company.

Because you have many options for buying cheap insurance for a Chevy Corvette in San Antonio, it’s difficult to pick the most cost effective company.

It’s important to take a look at other company’s rates quite often because car insurance prices are rarely the same from one policy term to another. If you had the lowest rates on Chevy Corvette insurance in San Antonio a couple years back a different company probably has better rate quotes today. There are a lot of ways to save on Corvette insurance online but by reading this article, you’re going to learn the easiest ways to lower your car insurance premiums.

The goal of this article is to help educate you on the most effective way to quote insurance and how to save the most money. If you’re already insured, you will definitely be able to reduce the price you pay using the ideas covered in this article. But Texas car owners do need to understand the way companies set your policy premium because rates fluctuate considerably.

When comparing car insurance rates, know that comparing a wide range of rates helps improve the odds of finding lower pricing.

The providers in the list below are ready to provide quotes in Texas. If multiple companies are listed, it’s a good idea that you get prices from several of them to find the most competitive auto insurance rates.

Discount San Antonio insurance quotes

The cost of insuring your cars can be expensive, but there could be significant discounts that could drop your premiums quite a bit. Most are applied when you purchase, but a few need to be specially asked for in order for you to get them.Save money with discounts

It’s important to understand that many deductions do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, nobody gets a free ride.

The diagram below shows the comparison of Chevy Corvette insurance costs with and without policy discounts. The rates are based on a female driver, no claims or violations, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, claim-free, homeowner, marriage, and safe-driver discounts applied.

To choose insurers who offer insurance discounts in San Antonio, click this link.

Premium rates and analysis

The table displayed next covers detailed analysis of policy rates for Chevy Corvette models. Learning a little about how insurance quotes are figured can assist in making informed decisions when comparing rate quotes.


Chevrolet Corvette Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corvette 2-Dr Coupe $354 $772 $242 $14 $72 $1,454 $121
Corvette GS 2-Dr Coupe $420 $862 $242 $14 $72 $1,610 $134
Corvette 2-Dr Convertible $420 $862 $310 $18 $94 $1,704 $142
Corvette GS 2-Dr Convertible $454 $952 $310 $18 $94 $1,828 $152
Corvette Z06 2-Dr Coupe $454 $952 $242 $14 $72 $1,734 $145
Corvette ZR1 2-Dr Coupe $584 $1310 $242 $14 $72 $2,222 $185
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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Information does not factor in specific location information which can decrease or increase coverage prices noticeably.

Physical damage deductible comparison

When comparing car insurance rates, the most common question is at what level do you set your deductibles. The comparisons below show how much more you’ll pay of buying low and high coverage deductibles. The first price estimate table uses a $250 deductible for physical damage and the second data table uses a $500 deductible.


Chevrolet Corvette insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corvette 2-Dr Coupe $408 $762 $252 $14 $76 $1,537 $128
Corvette GS 2-Dr Coupe $484 $850 $252 $14 $76 $1,701 $142
Corvette 2-Dr Convertible $484 $850 $324 $20 $96 $1,799 $150
Corvette GS 2-Dr Convertible $522 $938 $324 $20 $96 $1,925 $160
Corvette Z06 2-Dr Coupe $522 $938 $252 $14 $76 $1,827 $152
Corvette ZR1 2-Dr Coupe $674 $1292 $252 $14 $76 $2,333 $194
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Chevrolet Corvette insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Corvette 2-Dr Coupe $332 $614 $252 $14 $76 $1,288 $107
Corvette GS 2-Dr Coupe $394 $686 $252 $14 $76 $1,422 $119
Corvette 2-Dr Convertible $394 $686 $324 $20 $96 $1,520 $127
Corvette GS 2-Dr Convertible $424 $756 $324 $20 $96 $1,620 $135
Corvette Z06 2-Dr Coupe $424 $756 $252 $14 $76 $1,522 $127
Corvette ZR1 2-Dr Coupe $548 $1042 $252 $14 $76 $1,932 $161
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Table data does not factor in the specific area where the vehicle is garaged which can raise or lower coverage prices greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $25 more each month or $300 every year than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to have more than 10 months between claim filings, you would save money going with the higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $154
Average monthly premium for $500 deductibles (subtract): – $129
Monthly savings from raising deductible: $25
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 10 months

One big caveat is that higher deductibles means you pay more out-of-pocket when you do file a claim. That will necessitate enough disposable income in the event you have to pay the deductible.

Tickets and at-fault accidents raise rates

The diagram below shows how violations and accident claims can drive up Chevy Corvette insurance costs for each different age group. The price estimates are based on a married male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.

Annual premiums for males versus females in San Antonio

The illustration below shows the difference between Chevy Corvette insurance premiums for male and female drivers. The prices are based on no violations or claims, comprehensive and collision coverage, $1,000 deductibles, single status, and no other discounts are factored in.

How much more does full coverage cost?

The example below illustrates the difference between Chevy Corvette insurance rates with full physical damage coverage compared to only buying liability only. The premium estimates are based on no violations or claims, $250 deductibles, single marital status, and no policy discounts are applied.

When to stop buying full coverage

There is no definitive formula to stop buying comp and collision coverage, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Chevy Corvette book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after paying your deductible. If premiums are more than $500 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.

There are a few situations where dropping physical damage coverage is not financially feasible. If you still have a lienholder on your title, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Comparing prices from local San Antonio insurance agents

Many people just prefer to sit down with an agent. An additional benefit of getting online price quotes is you can get the best rates and still buy from a local agent. And providing support for neighborhood insurance agencies is definitely important in San Antonio.

San Antonio insurance agentsAfter filling out this quick form, your insurance coverage information is submitted to participating agents in San Antonio who will give you quotes for your business. It simplifies rate comparisons since you won’t have to leave your computer due to the fact that quote results will go to the email address you provide. It’s the lowest rates without requiring a lot of work. If you have a need to compare rates for a specific company, don’t hesitate to go to their quote page and complete a quote there.

San Antonio auto insurance agents are either independent or exclusive

When researching a good insurance agency, there are a couple of different types of agencies and how they are slightly different. Car insurance policy providers may be either independent or exclusive.

Independent Car Insurance Agencies or Brokers

Independent insurance agents are not locked into one company and that enables them to quote your coverage through many different car insurance companies and possibly get better coverage at lower prices. If they quote lower rates, your agent can just switch to a different company which requires no work on your part.

When comparison shopping, you should always contact multiple independent agents so that you have a good selection of quotes to compare.

Featured below is a partial list of independent insurance agencies in San Antonio that may be able to provide competitive price quotes.

A and A Insurance Agency
1317 Castroville RdSan Antonio, TX 78237(210) 434-2311View Map

Legion Insurance Agency
5309 Wurzbach RdSan Antonio, TX 78230(210) 693-1501View Map


8607 Wurzbach Rd #101San Antonio, TX 78240(210) 696-1133View Map

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Exclusive Insurance Agents

Exclusive agencies generally can only insure with one company such as Farmers Insurance, State Farm, or Allstate. They are unable to shop your coverage around so it’s a take it or leave it situation. Exclusive insurance agents are very knowledgeable on their company’s products which helps them sell on service rather than price.

The following are exclusive insurance agents in San Antonio who can help you get comparison quotes.


2602 North Loop 1604 W #108San Antonio, TX 78248(210) 479-2539View Map


1255 SW Loop 410 Ste 135San Antonio, TX 78227(210) 670-0000View Map


8802 Potranco Rd Ste 105San Antonio, TX 78251(210) 684-3800View Map

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Picking an insurance agent shouldn’t rely on just the bottom line cost. These are some questions you should get answers to.

It’s not one size fits all

Keep in mind that when it comes to choosing coverage online or from an agent for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique and your auto insurance should be unique as well.Auto insurance savings
For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Auto insurance coverages

Understanding the coverages of car insurance helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types available from car insurance companies.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses for rehabilitation expenses, ambulance fees and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage

This will pay to fix damage to your Corvette resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as scraping a guard rail, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible on your Corvette to bring the cost down.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy Corvette.

Since many Texas drivers only carry the minimum required liability limits (which is 30/60/25), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hail damage, fire damage, falling objects and hitting a bird. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance

Liability coverage protects you from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 30/60/25 that means you have a limit of $30,000 per injured person, a per accident bodily injury limit of $60,000, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things such as loss of income, bail bonds, structural damage and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford. Texas state law requires minimum liability limits of 30/60/25 but you should think about purchasing better liability coverage.

The next chart shows why buying low liability limits may not be enough coverage.

Smart shoppers get results

Some insurance providers may not offer internet price quotes and these regional insurance providers provide coverage only through independent agents. Lower-priced Chevy Corvette insurance in San Antonio can be purchased from both online companies and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates.

Throughout this article, we presented many ways to shop for Chevy Corvette insurance online. It’s most important to understand that the more quotes you get, the better likelihood of getting affordable San Antonio auto insurance quotes. You may even find the lowest priced auto insurance comes from a small mutual company. Regional companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, GEICO and Progressive.

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