Cheapest Car Insurance with Multiple Speeding Tickets in West Virginia

You have most likely seen the captivating commercials from auto insurance companies like Nationwide, Liberty Mutual, and Farmers that promise the cheapest price. So you just need to pick one at random, right?

It’s not that easy, however, as there are a lot of unknown aspects such as whether you are male or female, if your driving record shows any at-fault accidents, and how safe your vehicle is, that all have an effect on the price of a policy. This article covers these things and will give you some help in finding cheaper rates.

When shopping for insurance after a few driving violations, one of the many considerations that help determine a rate quote is the neighborhood you call home in West Virginia. Cities that have higher claim levels or more people like Elkins, St. Albans, and Cross Lanes will most likely pay more, whereas areas with less people or fewer weather incidents enjoy lower insurance rates.

The information below illustrates the most expensive places in West Virginia with multiple speeding tickets in which to buy car insurance.

Annual rates are comparative as the vehicle garaging location can raise or lower premium rates considerably.

The make and model of vehicle needing coverage is one of the largest factors that determines whether or not you find the best car insurance with multiple speeding tickets. Vehicles with reasonable performance levels, a great safety record, or a low likelihood of having liability claims will cost less to insure than high performance models. The data below illustrates auto insurance prices for a handful of the most cost-effective vehicles to buy insurance for.

Data variables include married female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and West Virginia minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, and multi-policy. Rate quotes do not factor in garaging location in West Virginia which can revise coverage rates substantially.

Looking at the rates, we can tell that models like the Ford Escape, Honda Accord, Honda CR-V, Ford Edge, and Chevrolet Impala are going to be the most affordable vehicles to insure after a few driving violations.

The diagram below highlights how deductible choice can influence annual premium costs when searching for cheap insurance with multiple speeding tickets. The price estimates are based on a single male driver, comp and collision included, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3603,3285,2941,2613],[‘Age 30’, 1875,1725,1551,1383],[‘Age 40’, 1857,1699,1517,1343],[‘Age 50’, 1687,1547,1385,1229],[‘Age 60’, 1629,1493,1339,1193],[‘Age 70’, 1975,1819,1649,1487]]);var options = {title: ‘Comparison of Deductible Levels and Car Insurance Prices in West Virginia’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The data above shows that a 50-year-old driver could cut expenses by $302 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $458 by using a $1,000 deductible. Even younger insureds, like the Age 20 category, could drop their prices as much as $990 each year just by using higher deductibles.

When insureds make the decision to increase the deductibles on their policy, it is necessary to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

How to find more affordable insurance with multiple speeding tickets

The list below summarizes some money-saving suggestions that can help you quote cheap coverage.

• Buy a safer vehicle
• Pay less by remaining claim-free
• Good credit can mean cheaper rates
• Do not get into accidents that are your fault
• Serious violations like DUI or careless driving can make car insurance unaffordable
• Compare prices frequently to find the best deal

The last idea is highly necessary, as was emphasized in the prior information. Rates vary considerably, so don’t hesitate to buy from a different company if you can save money. Being loyal to a particular company is commendable, but it’s not recommended if it’s costing you a fortune every year. It only take a few minutes to compare prices to find cheaper auto insurance with multiple speeding tickets.

Who has the cheapest insurance quotes after a few driving violations?

Drivers have a lot of different ways to shop for and buy auto insurance in West Virginia, but the three most common ways are through a captive (or exclusive) agent such as Allstate or Auto-Owners, a non-exclusive or independent agent, or buying direct from a company like Progressive or Geico. All three ways are similar, but auto insurance buyers need to understand the differences in how they give price quotes.

Independent agencies have contracts with many companies and can get policy pricing from each one. These agents have the option to provide multiple price quotes, which can help you get improved chances of finding a lower rate. If you are not satisfied with one company, the agent simply finds a different carrier and you can remain with the same agent.

An exclusive agent is only able to write business for just one company, for example an Auto-Owners or Allstate agent. They are unable to provide other companys’ prices, so keep that in mind.

Opting to purchase auto insurance direct means you skip an independent or exclusive agent and instead buy from a direct company like Esurance. This auto insurance option may be a decent choice families who have limited assets and understand how auto insurance works and possible exclusions.

Which way is best for finding the cheapest auto insurance with multiple speeding tickets in West Virginia? We would first guess that buying from a direct company results in the cheapest price since that prevents the need to pay agent commissions, but that is generally not the case. A good argument could also be made that an independent agency results in the cheapest rates because they can shop around, but again, that’s not accurate. And sometimes, exclusive agents have very competitive rates that other auto insurance companies cannot touch.

Because it’s impossible to say who has the best auto insurance rates, really the only way to get rock-bottom rates is to get quotes and compare the rates. Make the effort to get quotes from all three types in order to have the best selection to choose from. For a list of companies offering online discounts, click here to view.