Best Cheap Auto Insurance Quotes After a Speeding Ticket in Texas

Wouldn’t it be easy if we could just tell you the single best company in Texas that has the most affordable coverage after a speeding ticket? That is not the case, however, as there are a whole slew of unknown elements like if you have a lapse in coverage, your gender, and when you were born, that all have an effect on the price of a policy. This article will cover the things that influence insurance rates and will hopefully give the reader a good start in finding the cheapest car insurance in Texas.

Trying to find cost effective insurance is not always easy, and figuring out which company offers the best car insurance rates after a speeding ticket takes even more shopping around. Each auto insurer uses their own formula for determining rates in each state, so we need to take a look at the most budget-friendly car insurance companies in Texas.

Best Car Insurance Prices with Licence Points

Get a Free Quote and Save

Travelers may have some of the cheapest car insurance rates in Texas at around $1,052 each year. USAA, Germania Mutual, Texas Farm Bureau, and Esurance would also be considered some of the lowest-priced Texas insurance companies.

In the above example, if you are a customer of Germania Mutual and switched to Travelers, you could see savings of around $192. Drivers with Texas Farm Bureau may save as much as $195 a year, and Esurance customers might see rate reductions of $313 a year.

Remember that these estimates are averaged for all drivers and vehicles in Texas and and are not figured with a price discount after a speeding ticket. So the auto insurance company that fits your age and vehicle best may not even be shown in the chart above. That affirms the importance of why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.

The vehicle model driven is one of the biggest factors when comparing the best cheap auto insurance after a speeding ticket in Texas. Vehicles with limited top-end speed, good safety features, or a track record of few liability claims will cost quite a bit less to insure than adrenaline junky models. The information below showcases insurance rates for a selection of the cheaper vehicles to insure in Texas.

Table data assumes single female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in zip code location which can increase or decrease coverage prices substantially.

Based upon the table data, you can assume that models like the Ford Escape, Chevrolet Traverse, Honda CR-V, and Hyundai Santa Fe are most likely going to be the cheapest vehicles to insure after a few driving violations.

Irresponsible driving raises your rates

One of the best ways to enjoy the cheapest car insurance premiums in Texas after a few driving violations is to drive attentively and not have accidents or get tickets. The illustration below demonstrates how citations and at-fault fender-benders impact car insurance costs for each age group. Data assumes a single male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 3049,3277,5331],[‘Age 30’, 1607,1837,3891],[‘Age 40’, 1571,1801,3855],[‘Age 50’, 1433,1665,3717],[‘Age 60’, 1391,1617,3675],[‘Age 70’, 1709,1937,3991]]);var options = {title: ‘Effect of Citations and Accidents on Texas Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Texas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of a car insurance policy in Texas per year with no violations or accidents is $1,793. Get one speeding ticket and the average cost increases to $2,022, an increase of $229 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of car insurance after a speeding ticket increases to an average of $4,077. That’s an increase of $2,283, or $190 per month, just for not maintaining a clean driving record!

Is the best company Allstate, Progressive, State Farm, or Geico?

When shopping around for car insurance after a few driving violations in Texas, the first places to look would be Allstate, Progressive, State Farm, and Geico. Between them, they insure about 50% of all policies written. The following table illustrates price and claims rank as well as some different options shoppers can expect to find with each one.

How to find the cheapest auto insurance after a speeding ticket

Below you’ll find some of the better penny-pinching solutions that can help Texas drivers quote lower-cost coverage.

• Buying home and auto together can help save money
• Remain accident-free and save
• Maintain a clean driving record
• Increase your deductibles
• Maintaining good credit helps earn cheaper rates
• Frequent claims will increase rates
• Compare rate quotes frequently

The last suggestion is remarkably vital, as we hit on in the prior information. Auto insurance rates in Texas change a lot, so you should be ready to buy a different policy if a better deal can be had. Loyalty to a specific company is fine, but it’s not a good idea if that loyalty results in overpaying a considerable chunk of change every month. It takes less than five minutes to compare prices and find cheaper insurance after a speeding ticket.

Best cheap insurance quotes after a few driving violations

Drivers have many ways to comparison shop for car insurance in Texas, but the most preferred ways are through an exclusive insurance agency like Allstate or State Farm, a non-exclusive or independent agent, or from a direct company like Geico or Progressive. They all have the same basic principle, but shoppers should understand the differences in how they provide rate quotes.

Independent insurance agencies can place your business with multiple companies and can compare rates with every one. Agents of this type are not restricted to one company and can quote rates with many companies, which can help you get the best chance of finding a lower price. If they quote lower rates, your agent can just switch to a different company and you can keep the same agent.

Exclusive agents are usually restricted to one insurance company, two examples being an Allstate or Liberty Mutual agent. These agents usually cannot provide a range of price quotes, so you will not be able to compare multiple prices.

Consumers who buy car insurance direct forego an exlusive or independent agent and instead shop from a direct company like Esurance or Progressive. This car insurance option may be preferred by drivers who do not need risk management and have a good understanding of what specific coverages they need.

Which method is best to find the best cheap auto insurance after a speeding ticket in Texas? We’d like to tell you buying direct yields the cheapest rates since that eliminates agent commissions, but unfortunately, that is not always true. We could also assume that using an independent agent results in the best rates because they can quote many companies, but again, it’s not a sure thing. For some people, the exclusive agents have price quotes that are the lowest in Texas.

Since car insurance prices are based on many different factors, really the best method to ensure the lowest rates is to obtain price quotes and compare them. Experts recommend getting quotes from all three in order to be able to find the lowest price. To see some of the cheapest online companies available, click here to view.