Wouldn’t it be so easy if we could magically tell you the single best car insurance company that has the most affordable coverage with multiple speeding tickets? Unfortunately, it’s just not that easy, as there are a whole slew of unknown elements like the number of miles you drive in a year, how old you are, and if you have a spouse, that all influence how much you pay for auto insurance. This article goes into detail about the different ways to avoid overpaying and hopefully give you enough understanding to have a good start in finding the cheapest car insurance in Arizona.
One of the many things that are used to help calculate the amount you pay for auto insurance is where your car is garaged. Cities with more crime and/or more people tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.
The illustration below ranks the highest-priced places in Arizona with multiple speeding tickets to buy car insurance in. Chandler makes the list at #13 with the yearly price of $1,093 for the average policyholder, which is approximately $91 per month.
|Rank||City||Average Per Year|
|2||San Tan Valley||$1,196|
|25||Lake Havasu City||$852|
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Annual rates are estimated as zip code location can affect prices significantly.
Figuring out which company has the lowest-priced insurance rates with multiple speeding tickets may require a little more work than just picking a company at random. Each company used slightly different criteria for filing rates in each state, so let’s rank the insurance companies that tend to have lower prices in Arizona.
It’s a good idea to know that Arizona insurance rates are influenced by many factors that will increase or decrease your annual premium. Simply having a birthday, increasing liability limits, or getting a couple of tickets may prompt premium changes resulting in some rates now being cheaper in comparison to the competition.
Find the Cheapest Auto Insurance with License Points
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,297|
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The Hartford generally has some of the cheapest car insurance rates in Chandler at around $811 each year. This is $617 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also qualify as some of the most economical Chandler, AZ insurance companies.
As shown above, if you are insured with USAA and switched to Auto-Owners, you may realize an annual savings of upwards of $225. Customers with Progressive may save as much as $230 a year, and GEICO policyholders might reduce prices by as much as $289 a year.
Remember that these prices are averaged for all drivers and vehicles and and are not figured with an exact zip code location with multiple speeding tickets. So the car insurance company that can offer you the best price may not even be in the list above. That is why you need to get quotes using your own personalized driver profile and vehicle information.
The car, truck, or SUV to be insured is probably the most important factor in finding cheap auto insurance with multiple speeding tickets. Vehicles with lots of horsepower, a lack of modern safety features, or a high likelihood of having liability claims will cost substantially more to insure than more economical and safe models. The table below presents coverage rates for the more affordable vehicles to insure.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$1,845|
|Honda Accord EX 4-Dr Sedan||$1,971|
|Jeep Wrangler Sport 4WD 2-Dr||$2,025|
|Ford Escape Limited 2WD||$2,063|
|Dodge Grand Caravan SXT||$2,227|
|Ford Explorer XLT 4WD||$2,263|
|Ford Edge SE AWD||$2,286|
|Toyota RAV4 Limited 4WD||$2,333|
|GMC Sierra SLE Regular Cab 2WD||$2,338|
|Ford Fusion Sport 4-Dr Sedan||$2,351|
|Volkswagen Jetta SEL 4-Dr Sedan||$2,356|
|Toyota Tacoma Double Cab 4WD||$2,376|
|Dodge Ram Crew Cab ST 2WD||$2,381|
|Chevrolet Impala LT||$2,384|
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Table data represents single male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, and claim-free. Information does not factor in specific garaging location which can lower or raise insurance rates greatly.
Looking at the rates, we can infer that vehicles like the Honda CR-V, Honda Accord, Jeep Wrangler, Ford Escape, and Dodge Grand Caravan are the more affordable vehicles to insure after a few driving violations.
Types of discounts on Chandler auto insurance
Car insurance companies that provide coverage with multiple speeding tickets may also provide rate discounts that may potentially lower prices by 40% or more if you meet specific criteria. Popular insurance companies and a summarized list of policyholder discounts can be found below.
- American Family may have discounts that include accident-free, bundled insurance, TimeAway discount, Steer into Savings, multi-vehicle, and good driver.
- State Farm offers premium reductions for multiple autos, passive restraint, good student, multiple policy, safe vehicle, accident-free, and driver’s education.
- 21st Century offers discounts for defensive driver, 55 and older, student driver, air bags, early bird, theft prevention, and good student.
- Travelers includes discounts for IntelliDrive, multi-car, good student, home ownership, and continuous insurance.
- GEICO may include discounts for air bags, daytime running lights, five-year accident-free, federal employee, anti-theft, and membership and employees.
The illustration below illustrates the comparison of insurance premiums with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no accidents and three citations, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with passive restraint, multiple vehicle, paperless filing, marriage, vehicle safety, and anti-theft discounts applied. In this example, the average amount saved each year on insurance with multiple speeding tickets is 28% or $699.
Cautious drivers save money
The easiest method to receive the most affordable insurance rates in Chandler after a few driving violations is to be an attentive driver and avoid accidents and traffic violations. The illustration below shows how violations and at-fault accidents drive up auto insurance rates for different age groups. The premiums assume a single female driver, full coverage, $500 deductibles, and no policy discounts are applied.
The data in the chart shows the average cost of an auto insurance policy in Arizona per year with no accidents or violations is $1,350. Add in one speeding ticket and the average cost increases to $1,530, an increase of $180 each year. Now add two accidents along with the one speeding ticket and the yearly cost of insurance with multiple speeding tickets goes up to an average of $3,147. That’s an increase of $1,797, or $150 per month, just for not being a responsible driver!
Chandler car insurance rates
Arizona insurance rates are determined by lots of factors which can substantially decrease or increase the price of your policy. Getting older, moving across town, or getting into an accident may cause policy rate changes that can make some companies more affordable than before. Not only may your risk profile change, but insurance companies change their prices multiple times each year to adjust for unexpected claims or profits. Higher than normal claims can cause rate increases, while a profitable period may result in lower-cost Chandler car insurance rates.
As an example, the graph below shows the cheapest car insurance in Chandler, AZ for a 30-year-old female driver with no prior claims, no tickets, and a good credit rating. When comparing rates based on her personal profile, The Hartford quotes the cheapest car insurance rates in Chandler at $1,052 each year. This is $376 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also included in the best Chandler, AZ auto insurance companies.
Now we will give the driver from the first rate comparison a claim surcharge, a lower credit rating, and a blemish on her driving record. Since each auto insurance company has a unique approach for determining rates, analyzing rates most likely will result in a significantly different list of the cheapest companies as shown below.
Progressive now has the cheapest price in Chandler, AZ with Ameriprise Group, CSAA, Allied, and Auto-Owners also having competitive pricing. This example illustrates why it is so important to compare as many rates as possible to find the best car insurance quotes with multiple speeding tickets.
Auto insurance prices are made up of many different factors and can change substantially, so the most affordable company the last time you checked may now be one of the higher cost companies.
How to find more affordable insurance with multiple speeding tickets
Lowering your rates is not difficult, and here are some money-saving solutions that can help Chandler drivers locate cheap auto insurance.
- Do not file small claims
- Increase physical damage deductibles
- Serious violations like DUI or careless driving can make car insurance unaffordable
- If your vehicles are older, consider dropping full coverage
- Prevent rate increases by staying accident-free
- Compare price quotes at least once a year
The last tip in the list is extraordinarily crucial, as was pointed out in this write-up. Prices charged by car insurance companies can change in a short period of time, so you should be ready to buy a policy from a new company if you can find a cheaper rate. Being loyal to a particular company is commendable, but we do not recommend it if that stubbornness costs you a small fortune year after year. In less than five minutes you could shop around to find cheaper auto insurance with multiple speeding tickets in Chandler.
If you have questions and prefer to get some guidance when comparing insurance rates with multiple speeding tickets, the insurance agencies listed below can help you decide which coverage meets your needs best. To find an agent using an interactive map, click the button at the bottom.
Allstate Insurance: Robert Gallego
3175 S Price Rd Ste 142 – Chandler, AZ 85248 – (480) 820-0808
Farmers Insurance: Mike Canez
381 N Arizona Ave – Chandler, AZ 85225 – (480) 786-5302
Legacy Insurance and Investment Group LLC
633 E Ray Rd #106 – Chandler, AZ 85225 – (480) 968-3655