Best Cheap Car Insurance Quotes After a Speeding Ticket in Utah

Wouldn’t it be so easy if you could know instantly the one perfect auto insurance company that has the best auto insurance prices after a speeding ticket? It’s just not that easy, however, as there are a ton of unknown elements like whether or not you are currently insured, if you are a man or woman, the likelihood of vehicle theft where you live, and if you are married or single, that all help calculate your car insurance rates. We will attempt to cover some of these topics and educate you enough to have a good start to your coverage search.

Finding low-priced car insurance is not easy, and determining which company quotes the lowest-priced auto insurance rates after a speeding ticket will take even more perseverance. Each auto insurance company has their own unique process to establish rates, so let’s take a look at the auto insurance companies with the most affordable rates in Utah.

Keep in mind that Utah auto insurance rates are impacted by many factors which can substantially change the cost of having a policy. That is why Utah drivers need to perform a complete rate comparison when trying to get the lowest insurance quotes after a speeding ticket. Rates consist of many different factors and can change substantially, so the lowest-price company a year ago may now be an over-priced policy.

Cheapest Insurance Rates with Licence Points

Compare Rates and Save

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Bear River generally has some of the cheapest car insurance rates in Utah at around $590 a year. USAA, Auto-Owners, American Family, and Allied also are some of the cheaper Utah car insurance companies.

As depicted above, if you buy coverage from Auto-Owners and switched to Bear River, you could see an annual savings of roughly $295. Customers with American Family could save as much as $365 a year, and Allied policyholders might reduce prices by as much as $418 a year.

To see if you’re overpaying, click here or click several companies below for low rates.

These premium estimates are averaged for all types of insureds and vehicles and are not factoring in a price decrease after a speeding ticket. So the company that can offer the best rates for your situation may not even be included in the list of companies above. That illustrates why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.

When shopping for insurance after a few driving violations, one of the many criteria that help determine a rate quote is where you live in Utah. Areas with increased crime or more people like Taylorsville, Cottonwood Heights, and Kearns likely pay more, whereas areas with less crime or weather claims have the enjoyment of a little cheaper coverage.

The next table sorts the higher priced cities in Utah after a speeding ticket in which to buy car insurance.

Premium costs are estimated as the garaging address in Utah can alter coverage rates significantly.

Discounts on the best cheap car insurance after a speeding ticket in Utah

Insurance companies that sell policies after a speeding ticket may have special discounts that could reduce prices by 25% or more if you meet eligibility requirements. The best auto insurance companies and a summarized list of policyholder discounts are included below.

• Esurance includes discounts for homeowner, online quote, safety device, multi-policy, and online shopper.
• The Hartford offers discounts including bundle, defensive driver, air bag, driver training, good student, and anti-theft.
• AAA offers premium reductions for multi-policy, pay-in-full, education and occupation, AAA membership discount, good student, and good driver.
• GEICO discounts include multi-policy, federal employee, emergency military deployment, five-year accident-free, multi-vehicle, anti-lock brakes, and seat belt use.
• State Farm may offer discounts for accident-free, good student, defensive driving training, multiple policy, and passive restraint.

The illustration below shows the difference between annual premium costs with and without discounts applied to the policy premium. The costs are based on a male driver, no accidents and three traffic tickets, Utah state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with paid-in-full, paperless filing, continuous coverage, multiple policy, multiple vehicle, and passive restraint discounts applied. With discounts applied, the average savings per year on auto insurance after a speeding ticket is 28% or $525.

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Company comparison: Progressive vs State Farm vs Geico vs Allstate

When shopping around for auto insurance after a few driving violations in Utah, the most popular companies are Progressive, State Farm, Geico, and Allstate. If you add them together, they insure nearly half of the entire U.S. market share. The data below points out some of the ratings and options that may be available in Utah.

How to find more affordable car insurance after a speeding ticket

The list below summarizes many thrifty solutions that can help drivers get lower-cost car insurance.

• Having too many claims will increase rates substantially
• Home or renters coverage can save on auto insurance
• Ensure your driving record is clean
• Increase your credit score
• Avoid having at-fault accidents
• Higher deductibles mean lower rates
• Shop your coverage around for the best deal

That last idea is very important, as we hit on in this piece. Car insurance rates change a lot, so drivers shouldn’t be resistant to switch companies if a cheaper rate is available. Many consumers stick with the same company and that’s fine, but it’s not a great idea if your bullheadedness ends up costing you big bucks every year. If you have a few minutes, compare prices to find cheaper insurance after a speeding ticket.