How Much are Car Insurance Quotes with Multiple Speeding Tickets in Florida?

One of the many things used to calculate the policy price is where you call home in Florida. Densely populated urban areas like Hialeah, Miami Gardens, and Miramar tend to pay slightly more, whereas less populated areas have the luxury of lower rates.

The following table shows the most expensive places in Florida with multiple speeding tickets to purchase auto insurance in.

Rate quotes are comparative as the specific area where the vehicle is garaged can decrease or increase premium rates noticeably.

We all like different vehicles, and the type of vehicle that needs insurance is one of the main factors when comparison shopping for affordable insurance with multiple speeding tickets. Vehicles with higher performance characteristics, poor crash test ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than more modest models.

The lists below presents insurance premiums for a selection of the most budget-friendly vehicles to insure in Florida.

Above prices assume married male driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, and multi-policy. Table data does not factor in specific location information which can raise or lower price quotes considerably.

Price data assumes married male driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, and claim-free. Rates do not factor in garaging location in Florida which can decrease or increase coverage rates substantially.

Cost estimates assume married male driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in garaging location in Florida which can change premium rates significantly.

The diagram below shows how choosing a deductible can impact yearly insurance costs when searching for cheap insurance with multiple speeding tickets. The premiums are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

The chart above illustrates that a 40-year-old driver could reduce rates by $344 a year by increasing from a $100 deductible to a $500 deductible, or save $518 by selecting a $1,000 deductible. Even younger drivers, such as the Age 20 example, have the ability to save as much as $1,126 or more by using a higher deductible. If you do make the decision to raise your deductibles, it is essential to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Impact of citations and accidents on insurance rates

In a perfect world, the best way to maintain low car insurance prices in Florida after a few driving violations is to be a good driver and have a clean driving record. The chart below highlights how speeding tickets and at-fault claims can affect insurance costs for each age group. The data assumes a married female driver, full coverage, $1,000 deductibles, and no policy discounts are applied.

The chart shows that the average cost of an auto insurance policy per year with no violations or accidents is $1,778. Receive two speeding tickets and the average cost surges to $2,517, an increase of $739 each year. Now get two accidents along with the two speeding tickets and the annual cost of car insurance with multiple speeding tickets jumps again to an average of $5,634. That’s an increase of $3,855, or $321 per month, just for not being more responsible behind the wheel!

How to find the cheapest insurance with multiple speeding tickets

The list below shows many penny-pinching solutions that can help drivers quote cheap coverage.

• Choose a safer vehicle and pay lower rates
• Having too many claims will increase rates substantially
• Bundle home and auto and earn a discount
• Violations and traffic tickets increase rates
• Avoid accidents
• Comparison shop frequently

That final tip is remarkably vital, as we emphasized in the article above. Coverage rates can change in a short period of time, so don’t be afraid to change insurance companies if a better deal can be had.

Many drivers have brand loyalty and that’s fine, but it’s not a good idea if that faithfulness ends up costing you a wad of cash every year. It only take a few minutes to compare rates to find cheaper auto insurance with multiple speeding tickets.

Cheapest insurance quotes after a few driving violations

Thanks to technology, drivers have a lot of ways to shop around for car insurance in Florida, but the most preferred are either through a captive (or exclusive) agent such as Auto-Owners or State Farm, an independent agent, or direct online or over the phone from a company like Geico or Progressive. Each way has the same basic process, but it’s important to point out the distinctions in how they work.

Independent insurance agencies work for many companies and can compare coverage rates with all of them. These agents do not sell for just one brand and can compare multiple rates, which may give you a better chance of finding cheaper coverage. If your agent finds a cheaper company, they simply switch companies in-house and you stay with the same agent.

Exclusive agencies are only able to quote rates with a single insurance company like a State Farm or Liberty Mutual agent. Exclusive agents generally are unable to give you multiple price quotes, so you will not be able to compare their rates to other companies.

The final way is buying direct, which means you skip the middleman (the agent) and instead shop from a direct company like Esurance or Geico. Buying car insurance direct can be good for families who do not need risk management and have a decent understanding of what car insurance covers.

So what is the best way to find cheap auto insurance with multiple speeding tickets in Florida? We’d like to say buying direct yields the cheapest rates because there is no agent involved, but in reality, that is not true. A valid argument could also be made that buying from an independent agent guarantees the lowest rates because you have more choices, but that is not accurate either. In some circumstances, exclusive agents may have prices that are impossible to beat.

Since car insurance rates vary so much, really the best method to buy the cheapest policy is to get rate quotes and compare. Experts recommend getting prices from all three types to have the best rate selection. To see some of the cheapest online companies available, click here to view.