Who Has the Cheapest Car Insurance Quotes After a Speeding Ticket in Pennsylvania?
When shopping for car insurance after a few driving violations, one of the many components that helps car insurance companies calculate the cost of insurance is where you choose to live in Pennsylvania. More densely populated places like Philadelphia, Chester, and Norristown tend to pay slightly more, whereas areas with less people or fewer weather incidents have the benefit of the cheapest car insurance after a speeding ticket in Pennsylvania.
The table below sorts the highest-priced places in Pennsylvania after a speeding ticket to purchase auto insurance in.
|10||Municipality of Monr||$1,091|
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Rate quotes are estimated as zip code location can revise coverage prices considerably.
The vehicle model requiring insurance is one of the primary factors when comparing quotes for the most affordable insurance after a speeding ticket. Vehicles with limited speed and performance, advanced safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models. The information below estimates insurance prices for a handful of the cheapest vehicles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$1,192|
|Chevrolet Traverse LT AWD||$1,227|
|Honda CR-V EX 4WD||$1,231|
|Chevrolet Equinox LS AWD||$1,288|
|Dodge Grand Caravan Crew||$1,318|
|Subaru Outback 3.6R Premium||$1,323|
|Toyota Highlander SE 2WD||$1,318|
|Honda Accord EX-L 4-Dr Sedan||$1,320|
|Kia Forte EX 4-Dr Sedan||$1,322|
|Ford F-150 XLT Crew Cab 2WD||$1,330|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$1,365|
|Honda Odyssey EX-L W/Navigation||$1,367|
|Toyota Corolla S||$1,375|
|Kia Optima LX||$1,369|
|Nissan Rogue S AWD||$1,377|
|Subaru Forester X Limited Edition AWD||$1,375|
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Data assumes married female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, and multi-vehicle. Price information does not factor in vehicle location which can influence coverage rates greatly.
Looking at the data, we can assume that cars like the Ford Escape, Chevrolet Traverse, Honda CR-V, Chevrolet Equinox, and Dodge Grand Caravan will definitely be some of the most affordable vehicles to insure after a few driving violations.
Figuring out which companies have the most affordable car insurance rates after a speeding ticket involves a bit more work in order to find the most economical policy. Each company uses their own formula for filing rates in each state, so let’s look at the rankings for the most competitive car insurance companies in Pennsylvania.
Keep in mind that Pennsylvania car insurance rates are determined by lots of factors which can substantially decrease or increase the cost of your policy. Turning one year older, increasing liability limits, or having an at-fault accident can trigger price changes that can make some companies more affordable than competitors.
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General Casualty offers some of the best car insurance rates in Pennsylvania at around $748 each year. Travelers, USAA, Erie, and Penn National also make the cut as some of the most economical Pennsylvania auto insurance companies.
In the above example, if you are a policyholder with Erie and switched to General Casualty, you might see yearly savings of around $52. Customers with Penn National could save as much as $84 a year, and Auto-Owners customers might lower prices by up to $215 a year.
Remember that these premiums are averaged for all ages of drivers and types of vehicles and are not factoring in a price decrease after a speeding ticket. So the company that can offer you the best price may not even be included in the list of companies shown earlier. That affirms the importance of why you need to compare prices as often as possible using your own individual information.
Full coverage versus liability-only in Pennsylvania
Finding the cheapest car insurance after a speeding ticket in Pennsylvania is the goal of the majority of drivers, and one of the fastest ways to reduce the cost of insurance is to not pay for full coverage. The information below illustrates the difference between auto insurance rates with full physical damage coverage and with liability coverage only. The information is based on no violations or accidents, $1,000 deductibles, single status, and no other discounts are factored in.
Averaged out for all age groups, physical damage insurance costs an extra $1,499 per year over and above liability only. At some point, about every driver wonders when is the right time to remove full coverage. There is no set guideline to eliminate physical damage coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
There are a few situations where removing full coverage is not in your best interest. If you haven’t satisfied your loan, you have to carry full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Irresponsible driving raises your rates
The easiest way to snag the cheapest car insurance prices in Pennsylvania after a few driving violations is to pay attention while driving and not receive tickets or have accidents. The information below illustrates how speeding tickets and fender-benders raise premium costs for different age groups. The data assumes a married female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
In the prior example, the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,587. Factor in one speeding ticket and the average cost increases to $1,852, an increase of $265 each year. Then add in two accidents along with the one speeding ticket and the annual cost of car insurance after a speeding ticket goes up to an average of $4,246. That’s an increase of $2,659, or $222 per month, just for not keeping your driving record clean!
The example below demonstrates how deductible levels can increase or decrease insurance rates when quoting cheap insurance after a speeding ticket. The prices are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
In the chart above, a 50-year-old driver could reduce rates by $260 a year by switching from a $100 deductible up to a $500 deductible, or save $394 by using a $1,000 deductible. Younger drivers, like the age 20 example, could drop their prices up to $662 or more by choosing a higher deductible. When increasing deductibles, it will now be necessary to have enough funds in savings to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
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