Cheap Car Insurance with Multiple Speeding Tickets in California

When writing about shopping for auto insurance, the words cheap or affordable should never appear anywhere in the article to describe car insurance prices. Regardless, cheap car insurance with multiple speeding tickets does not exist. But don’t despair, because we are going to show you some ways you can still find auto insurance that is more affordable than your current policy.

Finding reliable, reasonably-priced auto insurance is hard enough, and finding out which companies have the cheapest auto insurance rates with multiple speeding tickets will take even more shopping around.

Every auto insurer has a different process to set premium rates, so we need to take a look at the auto insurance companies that tend to have lower prices in California.

Find the Cheapest Auto Insurance with License Points

Compare Rates and Save

USAA normally has some of the best car insurance rates in California at around $1,143 annually. Wawanesa, Century National, CSAA, and Nationwide are also some of the lowest-priced California insurance companies.

As shown in the rates above, if you are a policyholder with Wawanesa and switched to USAA, you may see a yearly savings of approxmiately $3. Insureds with Century National might save as much as $71 a year, and CSAA policyholders might reduce prices by as much as $79 a year.

These estimates are averaged across all drivers and vehicles in California and do not factor in a price discount with multiple speeding tickets. So the car insurance company that can offer you the best price may not even be included in the above list. That affirms the importance of why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

One of the key components used to determine the price you pay for insurance is where you normally keep your vehicle in California. Larger areas like Los Angeles, Oakland, and Sacramento tend to pay more, whereas areas that tend to be more rural profit from lower rates.

The information below lists the most expensive areas in California with multiple speeding tickets in which to buy car insurance.

Rate quotes are estimated as specific location information can affect price quotes significantly.

Discounts on California auto insurance rates

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheapest-insurance-multiple-speeding-tickets-ca.jpg" alt="Cheaper California auto insurance after a few driving violations”/>Insurance providers that offer cheap auto insurance with multiple speeding tickets in California could also offer discounts that could potentially reduce rates by 25% or more if you can meet the requirements. A few of the larger companies and some of the premium reductions they offer are outlined below.

The information below illustrates the difference between annual premium costs with and without discounts applied to the premium. The premium estimates are based on a female driver, two citations and no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with continuous coverage, homeowner, vehicle safety, anti-theft, multiple policy, and marriage discounts applied. In this example, the the average amount saved on auto insurance with multiple speeding tickets is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 4351,3139],[‘Age 30’, 3277,2373],[‘Age 40’, 3097,2241],[‘Age 50’, 2811,2037],[‘Age 60’, 2743,1987],[‘Age 70’, 3055,2205]]);var options = {title: ‘Effect of Discounts on Insurance Rates with Multiple Speeding Tickets’,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’,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);}

Irresponsible driving raises your rates

In a perfect world, the ideal way to obtain cheap auto insurance with multiple speeding tickets in California is to be an attentive driver and avoid accidents and violations. The diagram below demonstrates how citations and accident claims can increase car insurance rates for different insured age categories. The premium estimates are based on a married female driver, comp and collision included, $100 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’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 3099,4029,4963],[‘Age 30’, 2181,3111,4047],[‘Age 40’, 2149,3079,4015],[‘Age 50’, 1879,2811,3745],[‘Age 60’, 1795,2725,3659],[‘Age 70’, 1921,2853,3787]]);var options = {title: ‘Effect of Citations and Accidents on California Auto 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 California’,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);}

The data charted above shows the average cost of car insurance in California per year with no accidents and a clean driving record is $2,171. Get written up for two speeding tickets and the average cost hikes up to $3,101, an increase of $931 each year. Then include one accident along with the two speeding tickets and the yearly cost of auto insurance with multiple speeding tickets jumps again to an average of $4,036. That’s an increase of $1,865, or $155 per month, just for not paying attention while driving!

Does State Farm, Allstate, Progressive, or Geico have the cheapest car insurance?

When comparing car insurance after a few driving violations, some of the largest companies to start with are State Farm, Allstate, Progressive, and Geico. The table below compares and contrasts ratings and policy coverage options that may be available in California.