Cheapest Car Insurance Quotes with Multiple Speeding Tickets in Virginia

Our editors always tell us that when writing about auto insurance, the word cheap should never appear anywhere in the article as a descriptor for car insurance rates. It’s just reality that cheap car insurance with multiple speeding tickets can be hard to find. We’ll try to make it up to you, because we will teach you how you can still get insurance that you can afford.

Trying to find low-priced car insurance is difficult, and deciding which company has the most affordable auto insurance rates with multiple speeding tickets calls for even more rate comparisons. Every auto insurer uses different criteria to set policy rates, so let’s begin by examining the auto insurance companies that tend to be cheaper in Virginia.

It’s a good idea to know that Virginia auto insurance rates are calculated based on many things which can significantly increase or decrease the price you pay. This price fluctuation is why it is important to spend some time comparing rates when trying to get the most affordable auto insurance quotes with multiple speeding tickets. Auto insurance prices are determined by many different factors and can decrease or increase without notice, so the best company two years ago may now be costing you a lot of money.

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Travelers normally has some of the best car insurance rates in Virginia at around $679 a year. USAA, Cincinnati Insurance, Penn National, and Utica National also are some of the cheaper Virginia car insurance companies.

As shown in the table above, if you buy coverage from Cincinnati Insurance and switched to Travelers, you could earn an annual savings of upwards of $62. Policyholders with Penn National may save as much as $69 a year, and Utica National insureds might reduce prices by as much as $79 a year.

To find the cheapest auto insurance with multiple speeding tickets in Virginia for your vehicle, click here or click through to the companies below.

Remember that these premium estimates are averages for all insureds and vehicles and and are not calculated with a price decrease with multiple speeding tickets. So the company that has the cheapest rates for you may not even be included in the list of companies shown earlier. That affirms the importance of why you need to get quotes using your own individual information.

The cost and performance of the vehicle you are trying to insure is a large consideration when comparing the best auto insurance with multiple speeding tickets. Vehicles with more horsepower, a lack of modern safety features, or a high likelihood of having liability claims will cost significantly more to insure than more economical and safe models.

The next tables outlines auto insurance costs for some of the most economical automobiles to buy insurance for.

Table data assumes single female driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, and claim-free. Information does not factor in zip code location which can affect prices noticeably.

Premium data assumes single female driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, and multi-vehicle. Prices do not factor in specific location information which can raise or lower price quotes significantly.

Data based on single female driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in zip code location which can impact insurance rates considerably.

When buying insurance after a few driving violations, one of the key criteria that impact a rate quote is your address in Virginia. Areas that are more densely populated or have higher claim rates like Burke, McLean, and Lake Ridge will most likely pay more, whereas areas with less traffic congestion and claims receive better rates.

The following table displays the more expensive cities in Virginia with multiple speeding tickets to purchase car insurance in.

Price information shown is estimated as the specific geographic location can revise premium rates substantially.

Difference between full coverage and liability only rates

Finding the cheapest auto insurance with multiple speeding tickets in Virginia is probably important to the majority of vehicle owners, and one common way to find cheaper insurance is to only pay for liability coverage. The information below compares auto insurance costs when comparing full coverage to liability only. The rate quotes are based on no claims or violations, $500 deductibles, drivers are single, and no discounts are factored in.

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If we average the cost for all age groups, full coverage on your policy costs an extra $1,334 per year over having just liability coverage. That is a large expense and it proposes the question if paying for full coverage is worth it. There is no clear-cut rule for phasing out full coverage on your policy, but there is a general guideline. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.