Cheap Auto Insurance with Multiple Speeding Tickets in Missouri

We all have different tastes in cars, and the vehicle you are buying coverage for is probably the most important factor when comparing quotes for cheap car insurance with multiple speeding tickets in Missouri. Vehicles with limited top-end speed, advanced safety features, or a low likelihood of liability claims will cost less to insure than higher performance models.

The next lists illustrates insurance rates for a number of the most budget-friendly automobiles to buy insurance for.

Cost estimates assume married male driver age 50, two speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can change coverage prices greatly.

Price data assumes married male driver age 50, two speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, and homeowner. Rate information does not factor in your specific Missouri location which can increase or decrease rates greatly.

Prices above based on married male driver age 50, two speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates noticeably.

Shopping around for affordable auto insurance is not the easiest thing to accomplish, and determining which companies offer the cheapest insurance rates with multiple speeding tickets takes even more perseverance. Every insurance provider has their own formula to determine rates, so we’ll take a look at the insurance companies with the most affordable rates in Missouri.

It’s important that readers know that Missouri insurance rates are based on many factors which can substantially decrease or increase the cost of a policy. That is why consumers need to take the time to do a thorough rate comparison when trying to get the cheapest insurance quotes with multiple speeding tickets. Insurance prices are calculated by many different factors and change substantially, so the cheapest company the last time you compared rates may now be quite expensive.

Cheap Insurance Rates with License Points

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USAA has some of the lowest car insurance rates in Missouri at around $648 a year. The Hartford, Allied, Electric, and Travelers also rank well as some of the more affordable Missouri car insurance companies.

As the rates illustrate above, if you are a policyholder with Electric and switched to USAA, you may realize a yearly price reduction of roughly $227. Insureds with Travelers may save as much as $360 a year, and MO Farm Bureau customers might reduce prices by as much as $373 a year.

To get a quick, customized rate comparison, click here to start your custom quote or feel free to get quotes from the companies below.

Bear in mind that those prices are averaged for all types of insureds and vehicles and do not factor in a rate decrease with multiple speeding tickets. So the auto insurance company that fits your age and vehicle best may not even be in the rate chart shown above. That points out the importance of why you need to compare prices as often as possible using your own driver data and vehicle information.

After a few driving violations, one of the largest considerations that is used to calculate the amount you pay for auto insurance is where your car is garaged in Missouri. Areas with a lot of weather claims or more people like Florissant, University City, and Kansas City tend to have higher auto insurance costs, whereas areas with less congestion generally pay lower auto insurance rates.

The table below shows the most costly cities in Missouri with multiple speeding tickets to buy auto insurance in.

Premium costs are comparative as the vehicle garaging location can modify coverage rates noticeably.

Accidents and violations increase rates

One of the best ways to score cheap car insurance with multiple speeding tickets in Missouri is to be a safe driver and have a clean driving record. The example below shows how traffic citations and accident claims influence insurance rates for each different age category. The premium estimates are based on a single male driver, full coverage, $100 deductibles, and no discounts are factored in.

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In the prior example, the average cost of auto insurance in Missouri per year with no accidents or violations is $1,532. Get two speeding tickets and the average cost increases to $2,033, an increase of $501 each year. Then add one accident along with the two speeding tickets and the yearly cost of insurance with multiple speeding tickets increases to an average of $2,532. That’s an increase of $1,000, or $83 per month, just for being a little careless behind the wheel!

Progressive, Allstate, State Farm, or Geico: Who is best?

When comparing rates for car insurance, four good companies to start with are Progressive, Allstate, State Farm, and Geico. If you put them all together, they insure about 50% of all car insurance policies written. Each one has somewhat different options that buyers can choose from. The data below breaks down price and claims rank as well as some different options that are available for buyers.

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

Here are some money-saving suggestions that can help you buy cheaper auto insurance.

• Raise deductibles to save money
• Being accident-free can lower rates significantly
• Do not file small claims
• Avoid getting tickets or violations
• Multi-policy discounts save money
• Higher credit scores may earn you cheaper rates
• Keep rates low by comparing prices once a year

That last piece of advice is especially vital, as we pointed out in this write-up. Insurance rates change constantly, so don’t be unwilling to buy from a different company if a more affordable price is available.

We understand brand loyalty, but we do not recommend it if that inflexibility results in costing you hundreds every year. It only takes a couple minutes to compare rates and find cheaper insurance with multiple speeding tickets.

Cheap insurance quotes after a few driving violations

There are a variety of different ways to find cheaper insurance in Missouri, but the three most common methods are from a non-exclusive or independent agent, an exclusive agency such as Allstate or Auto-Owners, or direct online or over the phone from a company like Progressive or Geico. You can use whichever method you prefer, but they are slightly different in how they provide rate quotes.

Independent insurance agents can place your business with multiple companies and can get policy pricing from all of them. Agents of this type can provide you with more rate quotes, which can give you the best idea of how your rates compare. If they find a cheaper price, the agent simply finds a different carrier which makes it simple for you.

An exlusive, or captive, agency is only able to place business with one company, two examples are State Farm and Auto-Owners agents. Exclusive agents cannot provide other companys’ prices, so they really need to provide good service.

Direct insurance buyers forego an independent or exclusive agent and buy buying direct from a company like Progressive or Geico. Buying insurance direct may be a decent choice families who do not have a lot of assets and know more than average about how their policy works.

So comparing independent agents, exclusive agents, and direct, which one works best for finding cheap car insurance with multiple speeding tickets in Missouri? We’d like to tell you buying direct results in the best prices since that eliminates agent commissions, but unfortunately, it’s not that cut and dried. And we’d like to say using an independent agent results in the cheapest rates due to increased selection, but that idea is not necessarily true either. And occasionally, exclusive agents have very competitive rates that are the cheapest in Missouri.

Due to the fact that insurance rates vary so much, the best way to buy the cheapest coverage is to compare, compare, and compare some more. Be sure to get rate quotes from all three in order to be able to find the lowest price. For a list of companies with some of the cheapest Missouri insurance rates, click here to view.