You have probably watched the captivating ads from insurers like GEICO, The General, and Liberty Mutual that claim enormous savings, so you should just pick the company with the cutest commercial, right?
It’s just not that simple, as there are a whole bunch of unknowns such as your credit history, if you are a homeowner or renter, and your annual mileage driven, that all have an effect on the price. This article will detail some of these topics and should give you a good beginning to your quest for cheaper car insurance in California.
Finding out which companies have the most affordable auto insurance rates after a speeding ticket takes a little more work in order to find the most economical policy. Each insurance company uses their own method for determining prices, so let’s take a look at the lowest cost auto insurance companies in California.
It’s a good idea to know that Fresno, CA auto insurance rates are influenced by many factors which can substantially change the price you pay for coverage. Simply having another birthday, getting married, or getting a reckless driving citation can trigger changes in premium that may make certain companies more affordable than before.
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|Rank||Company||Cost Per Year|
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USAA has some of the cheapest car insurance rates in Fresno at around $1,155 a year. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the more affordable Fresno, CA insurance companies.
As depicted above, if you buy coverage from CSAA and switched to USAA, you could realize a yearly price reduction of roughly $79. Policyholders with Nationwide might save as much as $108 a year, and 21st Century insureds might lower prices by $211 a year.
To find the cheapest rates for your vehicle, click here to begin a quote or quote prices from the following companies.
Understand that those premiums are averages for all types of drivers and the different vehicles they drive and and are not figured with a specific zip code after a speeding ticket. So the insurer that is most affordable for your situation may not even be in the top 24 companies shown above. That is why you need to get car insurance quotes using your own driver information and specific vehicle type.
After a few driving violations, one of the more important factors that are looked at to determine the amount you pay each year for auto insurance is your address. Areas with a lot of weather claims or more people will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The following table ranks the most expensive cities in California after a speeding ticket to purchase a policy in. Fresno shows up at #14 costing $1,502 for car insurance, which is around $125 each month.
|Rank||City||Average Per Year|
|Quote Best Rates Go|
Prices are comparative as the specific Fresno residence address can increase or decrease insurance rates greatly.
The type of vehicle to be insured is probably the largest consideration when shopping for the most affordable car insurance after a speeding ticket. Vehicles with reasonable performance levels, good safety features, or a positive history of liability claims will cost substantially less to insure than high performance models. The list below illustrates auto insurance rates for a number of the most affordable automobiles to buy coverage for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$1,427|
|Ford Escape XLS 2WD||$1,525|
|Ford F-150 XLT Regular Cab 2WD||$1,565|
|Toyota Tacoma Double Cab 4WD||$1,694|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$1,699|
|Dodge Grand Caravan Crew||$1,726|
|Hyundai Elantra Blue 4-Dr Sedan||$1,755|
|Ford Focus SEL 4-Dr Sedan||$1,763|
|Chevrolet Impala LS||$1,775|
|Ford Edge SEL 2WD||$1,781|
|Chevrolet Malibu LT||$1,845|
|Ford Explorer Limited 2WD||$1,855|
|Toyota RAV4 Limited 4WD||$1,848|
|Jeep Grand Cherokee Laredo 4WD||$1,857|
|Honda Civic SI 4-Dr Sedan||$1,884|
|Nissan Rogue SL AWD||$1,909|
|Toyota Corolla LE||$1,911|
|Toyota Camry SE||$1,921|
|Honda Odyssey EX-L W/Rear Entertainment||$1,911|
|Toyota Camry Hybrid||$1,940|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,950|
|GMC Sierra 2500HD SLE Regular Cab 2WD||$1,940|
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Data based on single male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in your specific Fresno, CA location which can raise or lower prices greatly.
Based on these rates, vehicles like the Honda CR-V, Ford Escape, Ford F-150, Toyota Tacoma, and Jeep Wrangler should be some of the most affordable vehicles to insure after a few driving violations.
Responsible drivers pay cheaper Fresno auto insurance rates
A great way to obtain low auto insurance prices in California after a few driving violations is to drive attentively and avoid traffic citations and accidents. The information below shows how violations and at-fault accidents can drive up insurance rates for different insured age categories. The prices are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
The chart shows that the average cost of an auto insurance policy per year with no accidents and a clean driving record is $2,372. Receive one speeding ticket and the average cost hikes up to $2,765, an increase of $392 each year. Now get two accidents along with the one speeding ticket and the yearly cost of auto insurance after a speeding ticket jumps again to an average of $6,191. That’s an increase of $3,818, or $318 per month, just for being a less-than-perfect driver!
How to get discounts on Fresno insurance rates
Insurers that provide coverage after a speeding ticket may have policy discounts that could reduce prices by as much as 35% if you qualify. A few of the larger companies and their possible discounts include:
- GEICO has savings for anti-theft, military active duty, federal employee, anti-lock brakes, air bags, and driver training.
- MetLife includes discounts for multi-policy, accident-free, good driver, defensive driver, claim-free, and good student.
- Progressive offers premium reductions for multi-vehicle, continuous coverage, multi-policy, homeowner, online quote discount, good student, and online signing.
- Travelers policyholders can earn discounts including student away at school, hybrid/electric vehicle, save driver, multi-policy, good student, continuous insurance, and new car.
- SAFECO may have discounts that include accident prevention training, multi-car, homeowner, drive less, teen safety rewards, bundle discounts, and anti-theft.
- AAA has discounts for multi-car, education and occupation, AAA membership discount, good student, pay-in-full, multi-policy, and anti-theft.
The example below shows the difference between insurance costs with and without discounts applied to the policy premium. The price estimates are based on a male driver, no accidents and two traffic tickets, California state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple policy, homeowner, continuous coverage, marriage, passive restraint, and multiple vehicle discounts applied. When drivers take advantage of discounts, the average amount saved on auto insurance after a speeding ticket is 28% or $916.
Are you paying too much for car insurance in Fresno?
Fresno auto insurance rates are determined by lots of factors that control the price you have to pay. Getting older, becoming a homeowner, or getting a DUI may prompt premium changes that may make certain companies more affordable than others.
In addition to those changes, insurers change their prices at least once a year as an adjustment for underwriting gains or losses. Higher than normal claims can cause higher rates, while lower claim expenses may produce cheaper Fresno car insurance rates.
The graph below shows the cheapest car insurance in Fresno, CA for a 30-year-old male driver with no accidents, a clean driving record, and excellent credit. If we estimate prices based on his current situation, USAA offers the cheapest car insurance rates in Fresno at $1,266 annually. This is $385 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide also make the list of the cheapest Fresno, CA auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison a claim, a lower credit rating, and a speeding citation. Due to the fact that each insurance company uses their own calculation to set policy rates, analyzing rate quotes may now result in a different list of companies as shown below.
Grange now has the cheapest car insurance in Fresno, CA with Progressive, Allstate, Mercury, and GEICO now being in the top five. This illustrates why California drivers need to shop around with many companies when trying to find the most economical insurance rates after a speeding ticket. Car insurance prices can be determined by many factors and change frequently, so the cheapest company six months ago may now be costing you a lot of money.
The professional agents shown below can most likely help you determine which policy is best, as some people have coverage questions and would like to have a little guidance when shopping around for cheaper insurance after a speeding ticket. It can be challenging to find the cheapest rates, and insurance agents can add comfort knowing your coverage gives you adequate protection.
To find an auto insurance agency near you, click the link after the list.
CCIS Bonding and Insurance Services
2520 W Shaw Ln #104 – Fresno, CA 93711 – (559) 320-2247
Danny Armenta – State Farm Insurance Agent
6105 E Kings Canyon Rd Ste 108 – Fresno, CA 93727 – (559) 453-1554
Covered California Fresno
4005 N Blackstone Ave #101 – Fresno, CA 93726 – (559) 222-4140
DiBuduo and DeFendis Insurance Brokers LLC
6873 N West Ave – Fresno, CA 93711 – (559) 432-0222
New Horizon Insurance
3039 W Ashlan Ave – Fresno, CA 93726 – (559) 244-6644