Best Cheap Car Insurance Quotes with Multiple Speeding Tickets in Texas

Our editors have a joke that when writing about car insurance, the word “cheap” really shouldn’t be used anywhere in the article as a descriptor for car insurance rates. Regardless, cheap car insurance with multiple speeding tickets just does not exist. But don’t let us ruin your dream, because we will teach you how you can still find and buy coverage that you can afford to pay for.

The cost and performance of the vehicle that is being insured is one of the biggest factors that determines whether or not you find affordable coverage with multiple speeding tickets. Vehicles with high performance features, a lack of advanced safety features, or a history of substantial liability claims will cost more to insure than safer, lower-performance models. The information below outlines insurance costs for a number of the most budget-friendly automobiles to insure.

Data assumes single female driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in vehicle location which can increase or decrease insurance rates considerably.

Price data assumes single female driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in Texas location which can influence rates considerably.

Prices based on single female driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in Texas location which can alter premiums significantly.

When buying car insurance after a few driving violations, one of the key factors that is looked at to determine the price you pay for insurance is where you choose to live. Areas with high crime rates or more dense population like McAllen, Amarillo, and Laredo tend to have more expensive car insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims can boast about having cheaper rates.

The table below lists the most expensive places in Texas with multiple speeding tickets in which to purchase auto insurance.

Premium costs are estimated as zip code location can change coverage rates noticeably.

Reckless driving habits raise Texas auto insurance rates

The obvious way to snag the best cheap auto insurance with multiple speeding tickets in Texas is to be a careful driver and avoid accidents and violations. The information below highlights how traffic violations and at-fault accidents drive up car insurance costs for each different age category. The rate quotes are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are factored in.

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In the previous example, the average cost of a car insurance policy in Texas per year with a clean driving record and no accidents is $2,429. Get one speeding ticket and the average cost rises to $2,733, an increase of $304 each year. Then include one accident along with the one speeding ticket and the 12-month cost of auto insurance with multiple speeding tickets jumps again to an average of $3,602. That’s an increase of $1,173, or $98 per month, just for not maintaining a clean driving record!

Cost comparison with and without full coverage

Finding the best cheap auto insurance with multiple speeding tickets in Texas is the goal of most vehicle owners, and a great way to find cheap insurance is to buy only liability coverage. The diagram below illustrates the comparison of insurance costs with full coverage compared to only the Texas minimum liability coverage. The data is based on no accidents or driving violations, $500 deductibles, marital status is single, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 3353,1151],[‘Age 30’, 1751,633],[‘Age 40’, 1725,587],[‘Age 50’, 1571,549],[‘Age 60’, 1523,541],[‘Age 70’, 1857,721]]);var options = {title: ‘Full Coverage Rates Compared to Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Texas’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

Averaged out for all age groups, physical damage insurance costs an additional $1,963 per year more than just buying liability insurance. Many of you may wonder if buying full coverage is a waste of money. There isn’t a written rule of when to stop paying for comp and collision coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s say your vehicle’s replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after the policy deductible has been paid. If premium cost is more than $200 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some circumstances where eliminating full coverage is not advised. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

Which car insurance company is best?

When shopping for auto insurance after a few driving violations, four of the best places to start are Geico, Allstate, Progressive, and State Farm. All offer your standard physical damage and liability coverages, but each one has unique options and discounts that may affect your buying decision. The following table points out price, claims, and customer service ratings, as well as some optional coverages that are available for policyholders.