The words “low-cost” and “auto insurance” really shouldn’t be used together, especially when you are looking for the best car insurance with multiple speeding tickets. Let’s lead off by showing you some of the things that significantly impact auto insurance rates, and figure out some ideas to slash the price of the next policy you buy.
After a few driving violations, one of the big components that aid in calculating car insurance rates is where you normally keep your vehicle. More densely populated places are more likely to pay higher prices, whereas areas with less congestion tend to receive slightly lower rates.
The table below rates the highest-priced places in Oklahoma with multiple speeding tickets to purchase a policy in. Tulsa shows up at #1 with a yearly cost of $2,259 on average, which is about $188 monthly.
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Table data uses estimated as the specific geographic location can lower or raise auto insurance rates significantly.
The make and model of vehicle you are buying coverage for is one of the biggest factors when trying to find low-priced insurance with multiple speeding tickets. Vehicles with higher performance, poor safety ratings, or an increased likelihood of liability claims will cost much more to insure than safer models. The information below presents car insurance prices for some of the cheapest automobiles to insure in Oklahoma.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Escape Limited 2WD||$1,567|
|Honda CR-V EX-L 4WD||$1,724|
|Toyota RAV4 Sport 4WD||$1,813|
|Dodge Grand Caravan Crew||$1,849|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,863|
|Ford Focus SEL 4-Dr Sedan||$1,877|
|Toyota Corolla LE||$1,912|
|Ford Edge Sport 2WD||$1,921|
|Toyota Camry SE||$1,912|
|Hyundai Elantra SE Touring Station Wagon||$1,935|
|Volkswagen Jetta S 2.5 Station Wagon||$1,941|
|Kia Optima LX||$1,943|
|Chevrolet Equinox LTZ AWD||$1,947|
|Ford F-150 Lariat King Ranch 4WD||$1,980|
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Data based on single female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in specific Tulsa, OK garaging location which can modify premiums noticeably.
Looking at the data, makes and models like the Ford Escape, Honda CR-V, and Toyota RAV4 are going to be some of the most budget-friendly vehicles to insure after a few driving violations.
Difference between liability only and full coverage rates
Reducing premiums for car insurance is important to most drivers, and one of the easiest ways to buy cheap insurance with multiple speeding tickets is to only buy liability coverage. The illustration below visualizes the comparison of insurance prices when comparing full coverage to liability only. The premiums are based on no accidents, no driving violations, $1,000 deductibles, drivers are single, and no policy discounts are applied.
Averaged for all age groups, full coverage costs $2,033 per year more than just buying liability only. That amount may make you wonder if you should buy full coverage. There is no clear-cut rule of when to stop paying for physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
There are some circumstances where eliminating full coverage is not recommended. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.
The illustration below demonstrates how deductible levels can raise or lower insurance costs when getting quotes for cheap insurance with multiple speeding tickets. The data assumes a married male driver, full physical damage coverage, and no policy discounts are applied.
As shown above, a 50-year-old driver could lower their car insurance rates by $374 a year by changing from a $100 deductible to a $500 deductible, or save $566 by selecting a $1,000 deductible. Even younger insureds, such as the 20-year-old example, have the ability to save up to $1,248 each year just by choosing higher deductibles.
If you make the decision to raise deductibles, it will now be necessary to have emergency funds available to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
Choosing a highly-rated insurance provider is difficult considering how many different insurance companies sell coverage in Oklahoma. The rank data in the next section could help you select which auto insurance companies you want to consider shopping prices with. The rankings below include large, nationwide insurance companies, so companies that focus mainly on Oklahoma business will not be included in these rankings.
Top 10 Large Auto Insurance Companies in Tulsa Ranked by A.M. Best Rating
- Travelers – A++
- GEICO – A++
- State Farm – A++
- USAA – A++
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- The Hartford – A+
- Esurance – A+
- Progressive – A+
Top 10 Large Auto Insurance Companies Overall in Tulsa
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
If you aren’t sure which coverage to buy and prefer to get some professional input when trying to find lower insurance rates with multiple speeding tickets, the insurance agencies listed below can aid you in deciding which auto insurance coverages would be the best in your situation. To find an auto insurance agency close to where you live, click the button link following the list.
- Allstate Insurance: Jim Boese
10396 E 21st St – Tulsa, OK 74129 – (918) 665-2424
- Cathy Warren – State Farm Insurance Agent
6119 E 91st St Ste 100 – Tulsa, OK 74137 – (918) 481-6655
- Brian Cannon – State Farm Insurance Agent
11320 E 32nd St – Tulsa, OK 74146 – (918) 627-0977