Best Cheap Car Insurance After a Speeding Ticket in Kentucky

The vehicle model needing coverage is a significant factor that determines if you can find economical auto insurance after a speeding ticket. Vehicles with high performance engines, a lack of safety features, or a track record of large liability claims will cost substantially more to insure than safer, lower-performance models.

The lists below estimates coverage costs for some of the most economical vehicles to buy insurance for.

Table data represents married female driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in specific location which can change coverage rates substantially.

Data assumes married female driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in vehicle garaging location which can lower or raise insurance rates considerably.

Table data represents married female driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, and multi-policy. Information does not factor in specific zip code location which can raise or lower auto insurance rates considerably.

When shopping for insurance after a few driving violations, one of the many considerations used to establish the price of your policy is where you call home in Kentucky. Areas with more people or even just a higher incidence of claims like Louisville, Jeffersontown, and Radcliff are more likely to pay higher prices, whereas areas with less people or fewer weather incidents have the enjoyment of a little cheaper coverage.

The illustration below illustrates the most expensive areas in Kentucky after a speeding ticket to buy car insurance in.

Table data uses estimated as specific Kentucky zip code can impact auto insurance rates considerably.

How to get discounts on Kentucky insurance

Insurance providers that offer the best cheap car insurance after a speeding ticket in Kentucky may provide premium discounts that may potentially lower prices by as much as 35% or more if you qualify for them. A list of companies and a selection of discounts are included below.

• Esurance offers discounts including renters, multi-car, safety device, paid-in-full, and good student.
• The Hartford has discounts for vehicle fuel type, anti-theft, driver training, air bag, and bundle.
• AAA discounts include AAA membership discount, anti-theft, education and occupation, pay-in-full, multi-car, and multi-policy.
• GEICO includes discounts for multi-policy, emergency military deployment, anti-lock brakes, defensive driver, good student, daytime running lights, and air bags.
• State Farm has savings for driver’s education, passive restraint, Drive Safe & Save, good student, safe vehicle, defensive driving training, and good driver.

The illustration below visualizes the comparison of premium costs with and without some available policy discounts. Data assumes a female driver, one violation and no accidents, Kentucky state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple policy, marriage, paperless filing, passive restraint, anti-theft, and vehicle safety discounts applied. In this example, the the average yearly reduction on auto insurance after a speeding ticket is 28% or $511.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2621,1887],[‘Age 30’, 1881,1363],[‘Age 40’, 1761,1277],[‘Age 50’, 1569,1139],[‘Age 60’, 1523,1105],[‘Age 70’, 1739,1255]]);var options = {title: ‘Insurance Rate Comparison After a Speeding Ticket’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Kentucky’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

The information below demonstrates how deductibles can affect insurance costs when quoting cheap insurance after a speeding ticket. The costs are based on a married female driver, full coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2065,1893,1697,1511],[‘Age 30’, 1449,1325,1181,1043],[‘Age 40’, 1427,1309,1171,1037],[‘Age 50’, 1255,1151,1031,917],[‘Age 60’, 1197,1095,981,871],[‘Age 70’, 1285,1179,1059,947]]);var options = {title: ‘Comparison of Deductible Levels and Car Insurance Prices in Kentucky’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 50-year-old driver could lower their policy premium by $224 a year by changing from a $100 deductible to a $500 deductible, or save $338 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old category, could roll back prices $554 or more just by choosing higher deductibles. When choosing a higher deductible, it will be necessary to have spare funds to be able to pay the extra out-of-pocket expense, which deters some people from using high deductibles.