After a few driving violations, one of the largest things that are looked at to determine the price you pay for insurance is the neighborhood you call home. Cities with more crime and/or more people tend to have higher rates, whereas areas with less crime or weather claims have the luxury of lower rates.
The information below lists the most expensive areas in California with multiple speeding tickets to purchase a policy in. Stockton shows up at #7 with an annual cost of $1,603 for coverage, which is around $134 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,079 |
| 3 | Sacramento | $1,720 |
| 4 | San Francisco | $1,711 |
| 5 | Oakland | $1,704 |
| 6 | Long Beach | $1,610 |
| 7 | Stockton | $1,603 |
| 8 | Fontana | $1,581 |
| 9 | San Bernardino | $1,580 |
| 10 | Moreno Valley | $1,536 |
| 11 | Santa Clarita | $1,533 |
| 12 | Riverside | $1,527 |
| 13 | Garden Grove | $1,508 |
| 14 | Modesto | $1,502 |
| 15 | Anaheim | $1,474 |
| 16 | Fresno | $1,472 |
| 17 | Santa Ana | $1,439 |
| 18 | San Jose | $1,423 |
| 19 | Bakersfield | $1,394 |
| 20 | Fremont | $1,389 |
| 21 | San Diego | $1,381 |
| 22 | Huntington Beach | $1,374 |
| 23 | Oxnard | $1,358 |
| 24 | Irvine | $1,343 |
| 25 | Chula Vista | $1,337 |
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Rate quotes are approximated as specific location information can increase or decrease premium rates greatly.
Buying low-cost car insurance is not most people’s favorite thing to do, and figuring out which company quotes the cheapest car insurance rates with multiple speeding tickets requires even more rate comparisons.
Every car insurance company has their own formula for setting prices, so let’s rank the car insurance companies that tend to be cheaper in California. It’s a good idea to know that Stockton car insurance rates are influenced by many factors that control the price you have to pay for coverage. This price fluctuation is why Stockton drivers need to compare as many rates as possible to find the cheapest insurance quotes with multiple speeding tickets. Rates are influenced by many different factors and can change without notice, so the most economical company when you last compared rates may now be wasting a lot of money.
Best Cheap Insurance Rates with License Points
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,447 |
| 8 | Mercury | $1,488 |
| 9 | Allstate | $1,513 |
| 10 | Allied | $1,556 |
| 11 | Progressive | $1,558 |
| 12 | GEICO | $1,575 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,638 |
| 15 | Esurance | $1,705 |
| 16 | Unitrin | $1,750 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,006 |
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USAA has some of the best car insurance rates in Stockton at around $1,121 annually. Wawanesa, Century National, CSAA, and Nationwide are also some of the lowest-priced Stockton, CA insurance companies.
As depicted above, if you are insured with Wawanesa and switched to USAA, you might achieve a yearly savings of about $36. Customers with Century National may save as much as $69 a year, and CSAA policyholders might reduce prices by as much as $101 a year.
Bear in mind that those premiums are averaged for all types of drivers and the different vehicles they drive and do not factor in a specific location with multiple speeding tickets. So the insurer that can offer the best rates for your situation may not even be in the list above. That helps illustrate why you need to compare rates from multiple companies using your own specific driver and vehicle information.
Impact of careless driving on Stockton car insurance rates
The easiest way to earn low car insurance rates after a few driving violations is to be a good driver and avoid accidents and violations. The information below demonstrates how citations and at-fault accidents can raise insurance premiums for different age categories. The price estimates are based on a single male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.
In the example above, the average cost of an auto insurance policy per year with no accidents and a clean driving record is $2,003. Get written up for one speeding ticket and the average cost jumps to $2,259, an increase of $257 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of car insurance with multiple speeding tickets goes up to an average of $4,604. That’s an increase of $2,601, or $217 per month, just for not driving responsibly!
Comparison of full coverage and liability-only policies
Lowering the price of car insurance is probably important to the majority of people, and an easy way to buy cheap insurance with multiple speeding tickets is to buy liability only. The illustration below illustrates the difference between car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. Data assumes no tickets, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.
As an average, physical damage insurance costs an additional $2,075 per year over having just liability coverage. That is a big expense that brings up the question if physical damage coverage is worth the money. There is no definitive formula for dropping full coverage, but there is a general guideline. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
There are some situations where only buying liability is not advised. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not buy liability only.
How to find low-cost insurance with multiple speeding tickets
The list below details many thrifty ideas that can help you locate more affordable car insurance.
- Remain accident-free and save
- Frequent claims will increase rates
- Raise physical damage deductibles
- Older vehicles may not need full coverage
- Violations like speeding or DUI increase rates
- Check for cheaper rates once a year
The last suggestion is notably important, as was affirmed in this write-up. Prices charged by auto insurers can be modified anytime, so don’t be afraid to buy from a new company if a more affordable rate is found.
Having brand loyalty is commendable, but it’s not recommended if that stubbornness costs you a lot of money. If you have a few minutes, now is a great time to compare prices to find cheaper car insurance with multiple speeding tickets in Stockton.
If you wish to get help from a professional when comparing insurance rates with multiple speeding tickets, the agents below can provide answers to your questions and help you determine which coverage fits your budget. To locate a Stockton insurance agent nearest to you, click the button at the bottom of the list.
- Farmers Insurance: Elisa The Acosta Agency Acosta
1151 W Robinhood Dr – Stockton, CA 95207 – (209) 956-3574 - Berbower Insurance Agency
1330 W Robinhood Dr Suite A1 – Stockton, CA 95207 – (209) 405-1088 - Allstate Insurance Agent: Tim Delaney
3244 Brookside Rd #170 – Stockton, CA 95219 – (209) 943-8344 - Nationwide Insurance: Maffei Ins and Fin Services
2540 Pacific Ave #1 – Stockton, CA 95204 – (209) 957-9433