Cheap Car Insurance Quotes with Multiple Speeding Tickets in Iowa

The words “affordable” and “insurance” probably shouldn’t be used in the same sentence, especially when looking for the best coverage prices with multiple speeding tickets. Because it’s not cheap, let’s familiarize you with some of the factors that can significantly affect car insurance premiums, and see if you can take the bite out of your next policy.

Deciphering which companies quote the lowest-priced insurance rates with multiple speeding tickets involves a bit more effort than just quoting one company’s rates.

Every insurance provider uses their own calculation for setting rates, so we need to take a look at the insurance companies that tend to have lower prices in Iowa.

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USAA may offer some of the lowest car insurance rates in Iowa at around $683 a year. Partners Mutual, Allied, Western National, and Hastings Mutual would also make the list of some of the cheaper Iowa car insurance companies.

In this example, if you are a policyholder with Western National and switched to USAA, you could realize annual savings of upwards of $118. Customers with Hastings Mutual could save as much as $224 a year, and Nationwide policyholders might see rate reductions of $224 a year.

Bear in mind that those prices are averages across all drivers and vehicles in Iowa and and are not figured with a rate discount with multiple speeding tickets. So the company that can offer you the best price may not even be in the list of companies shown earlier. That affirms the importance of why you need to get quotes using your own personal information and vehicle type.

After a few driving violations, one of the largest considerations used to establish car insurance rates is where you call home. Cities that have higher claim levels or more people like Council Bluffs, Des Moines, and Fort Dodge tend to have more expensive auto insurance rates, whereas areas that tend to be more rural have the gratification of cheap auto insurance with multiple speeding tickets in Iowa.

The table below lists the highest-priced places in Iowa with multiple speeding tickets to buy car insurance in.

Price information shown is comparative as the specific garaging location can decrease or increase prices significantly.

The vehicle model that needs insurance is one of the main factors when consumers are trying to find cheap auto insurance with multiple speeding tickets in Iowa. Vehicles with lots of horsepower, poor crash test ratings, or high incidents of liability claims will cost quite a bit more to insure than more economical and safe models.

The table below estimates insurance prices for a number of the cheapest vehicles to insure in Iowa.

Cost estimates assume single male driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Iowa minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, and claim-free. Estimates do not factor in zip code location which can impact prices substantially.

Based on these rates, makes and models like the Honda CR-V, Ford Escape, Hyundai Tucson, Ford F-150, and Volkswagen Jetta will be some of the most economical vehicles to insure after a few driving violations.

Discounts on Iowa car insurance rates

Insurers that offer cheap auto insurance with multiple speeding tickets in Iowa may additionally offer special discounts that could potentially reduce rates by 40% or more if you meet certain criteria. A few popular companies and some of the premium reductions they offer can be found below.

• GEICO discounts include five-year accident-free, daytime running lights, multi-policy, multi-vehicle, and air bags.
• Travelers has savings for driver training, hybrid/electric vehicle, home ownership, multi-policy, early quote, new car, and student away at school.
• Farm Bureau offers discounts for renewal discount, youthful driver, multi-vehicle, safe driver, 55 and retired, and good student.
• Liberty Mutual includes discounts for new graduate, safety features, new move discount, teen driver discount, new vehicle discount, preferred payment discount, and good student.
• American Family policyholders can earn discounts including TimeAway discount, good student, early bird, good driver, accident-free, mySafetyValet, and bundled insurance.
• Progressive offers discounts including homeowner, online signing, multi-vehicle, multi-policy, online quote discount, good student, and continuous coverage.

The example below shows the difference between annual premium costs with and without discounts applied to the policy premium. The rate quotes are based on a female driver, one violation and no accidents, Iowa state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with marriage, multiple policy, multiple vehicle, passive restraint, homeowner, and paperless filing discounts applied. In this example, the the amount saved on insurance with multiple speeding tickets is 28% or $524.

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

If you’re looking for the cheapest auto insurance after a few driving violations, probably the best companies to start with are State Farm, Progressive, Allstate, and Geico. Between them, they make up nearly half of all policies written. The data below breaks down some of the different options offered by each one.

Cheapest insurance quotes after a few driving violations

There are quite a few ways to get cheap insurance quotes in Iowa, but the three most common are either through a captive (or exclusive) agency such as Liberty Mutual or Allstate, an independent agent, or direct either online or via phone. They all have the same basic principle, but insurance buyers need to understand the differences in how they function.

Independent insurance agencies write for multiple companies and can get rate quotes from all of them. They can sell policies from many different companies and can provide you with more rates, which may give you the best idea of how your rates compare. If premiums increase, your agent can switch companies without you having to go to a different agency.

Exclusive agents are only able to quote rates with a single insurance company, two examples being a State Farm or Farmers agent. Exclusive agencies are unable to compare other company’s rates, so always compare other rates.

Drivers who opt to buy insurance direct bypass an exlusive or independent agent and instead buy direct from companies such as Esurance or Progressive. Buying direct is a good choice for consumers who do not have a complex risk profile and have a good understanding of how their policy works.

When shopping for insurance, which way works best to buy cheap auto insurance with multiple speeding tickets in Iowa? The majority of people assume that buying direct yields the cheapest rates because there isn’t an agent involved, but that generally is not the case. We could also assume that an independent agent guarantees the best prices because you have more choices, but again, it’s not necessarily true. In many circumstances, exclusive agents have price quotes that other companies cannot beat.

Since insurance companies use so many rating factors, the only true way to get rock-bottom rates is to compare, compare, and compare some more. To cover all the bases, get rate quotes from independent agents, exclusive agents, and direct companies to give yourself the best selection. For a list of companies offering online discounts, click here to view.

How to find low-cost auto insurance with multiple speeding tickets

It’s not impossible to find cheaper rates, and here are many thrifty suggestions that can help Iowa drivers find low-cost coverage.

• Raise physical damage deductibles
• Avoid getting citations and tickets
• Drive a car with a high safety rating
• If your vehicles are older, consider dropping full coverage
• Good credit can save money
• Avoid having at-fault accidents
• Comparison shop frequently

The last idea is extremely important, as we discussed in this article. Insurance prices adjust frequently, so don’t be afraid to switch to a new company if a more affordable price is available. Many drivers prefer to stick with one company, but is isn’t recommended if that loyalty results in overpaying a lot of money every month. In less than five minutes you could compare rates and find cheaper auto insurance with multiple speeding tickets.