Who Has Cheap Auto Insurance After a Speeding Ticket in Pennsylvania?

Wouldn’t it be excellent if we could tell you the single best company in Pennsylvania that has the lowest rates after a speeding ticket? Unfortunately, it’s just not that easy, as there are a ton of unknowns like your credit history, what liability limits you need, if you are married or single, and if you are a man or woman, that all help calculate your car insurance rates. We will try to teach you about the things that influence insurance rates and should give you a good start in finding the cheapest insurance in Pennsylvania.

Finding out which company offers the most affordable car insurance rates after a speeding ticket will require more time than just comparing a company or two.

Each auto insurance company has a proprietary method to set their prices, so we need to take a look at the most budget-friendly car insurance companies in Pennsylvania. It’s important that readers know that Pennsylvania car insurance rates are impacted by many things which can substantially decrease or increase the cost of coverage. Improving your credit rating, buying a different home, or getting a driving violation can trigger changes in premium that can cause some rates to be more affordable than before.

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General Casualty may offer some of the cheapest car insurance rates in Pennsylvania at around $748 per year. Travelers, Penn National, USAA, and Erie also qualify as some of the best Pennsylvania car insurance companies.

As the example above demonstrates, if you currently have coverage with Erie and switched to Travelers, you might see savings of about $37. Customers with Auto-Owners may save as much as $176 a year, and Amica insureds might reduce prices by as much as $195 a year.

If you would like to find cheap car insurance after a speeding ticket in Pennsylvania, click here to start your free quote or click through to the companies below.

Remember that these policy rates are averages for all drivers and vehicles in Pennsylvania and are not factoring in a price decrease after a speeding ticket. So the insurer that can offer the best rates for your situation may not even be included in the list of companies shown earlier. That affirms the importance of why you need to get auto insurance quotes using your own driver data and vehicle information.

The car, truck, or SUV you are buying coverage for is probably the most important factor that determines whether or not you can buy the best cheap insurance after a speeding ticket. Vehicles with economical engines, a great safety record, or a low likelihood of liability claims will cost less to insure than higher performance models.

The data below showcases coverage premiums for a handful of the more afforable vehicles to buy coverage for.

Data variables include single female driver age 50, two speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, and multi-policy. Price information does not factor in vehicle garaging location which can change premiums substantially.

Data based on single female driver age 50, two speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, and homeowner. Rate information does not factor in garaging location in Pennsylvania which can modify premiums noticeably.

Above prices assume single female driver age 50, two speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can modify premiums greatly.

What is the best car insurance company in Pennsylvania?

Selecting the top insurance provider can be a challenge considering how many different companies insure vehicles in Pennsylvania. The company information shown next may help you pick which auto insurers you want to consider shopping your coverage with. These rankings are only made up of companies who write in the majority of U.S. states, so companies that have a smaller presence are not taken into consideration for these rankings.

Full coverage rates vs. liability-only in Pennsylvania

Finding cheap car insurance after a speeding ticket in Pennsylvania should be important to most people, and one of the easiest ways to find cheaper insurance is to not buy full coverage. The information below visualizes the comparison of car insurance rates with and without physical damage coverage. The costs are based on no violations or claims, $500 deductibles, single status, and no additional discounts are factored in.

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If all age groups are averaged, full coverage on your policy costs $1,700 per year more than just buying liability insurance. Many people question if you should buy full coverage at all. There is no definitive rule for excluding physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let’s pretend your vehicle’s replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after the deductible is paid. If you are paying over $200 a year for physical damage coverage, then you might consider buying liability only.

There are some cases where only buying liability is not financially feasible. If you haven’t paid off your loan, you have to maintain full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

How to find economical auto insurance after a speeding ticket

Here are some thrifty solutions that can help you buy lower-cost coverage.

• Choose a safer vehicle and pay lower rates
• Drive attentively and avoid accidents
• Pay cheaper rates with good credit scores
• Assess whether full coverage is needed
• Do not get traffic citations
• Higher physical damage deductibles lower rates
• Keep rates low by comparing prices once a year

The last suggestion is remarkably crucial, as we noted in this write-up. Insurance rates fluctuate considerably, so don’t hesitate to buy a policy from a new company if a more affordable rate is found.

Many drivers prefer to stick with one company, but it’s not a great idea if that inflexibility results in costing you money that could be spent on other things. Take a few minutes and shop around to find cheaper car insurance after a speeding ticket.