For drivers in Long Beach, California, finding affordable car insurance is a top priority, especially for those with a history of incidents such as speeding tickets, driving under the influence (DUI), at-fault accidents, or other moving violations. These incidents often result in increased insurance premiums due to the higher perceived risk of future claims to car insurers. However, it is still possible to find affordable coverage despite having a less-than-perfect driving record.
Cheapest Car Insurance for Drivers with a Speeding Ticket: Mile Auto
Operating a vehicle above the speed limit is a hazardous practice that can have detrimental consequences for your own safety and the well-being of others. In Long Beach, there were more than 300 fatalities and injuries resulting from speed-related crashes in 2021 [^1^]. Having a speeding ticket on your driving record will likely lead to increased auto insurance premiums compared to maintaining a clean record.
On average, people in Long Beach with a speeding ticket pay $209 per month for liability coverage and $357 per month for full coverage. Here are the cheapest companies for drivers with a speeding ticket in Long Beach, California, and how their rates compare to those for drivers with a clean record.
Cheapest Car Insurance for Drivers with an At-Fault Accident: Mile Auto
Having an at-fault accident on your driving record often results in increased auto insurance premiums through a surcharge added by your insurer for several years. Insurance companies raise rates to offset potential financial risks associated with future accidents and claims [^4^]. Too many accidents on your record may even cause your insurance company to not renew your policy at the end of the term.
On average, Long Beach drivers with an accident on their record pay $198 per month for liability insurance and $338 per month for full coverage. Here are the cheapest car insurance companies for drivers with an at-fault accident in Long Beach.
Cheapest Car Insurance for Drivers with a DUI: Mile Auto
Driving under the influence is a grave offense that carries heavy consequences, including significantly higher car insurance premiums. In California, a DUI conviction requires an SR-22 insurance filing with the state, indicating to insurers that you are a high-risk driver. Insurance companies view a DUI history as a substantial financial liability and adjust premiums accordingly. In some cases, insurers may even cancel your policy mid-term or choose not to renew it when the current term ends.
For Long Beach drivers with a DUI on their record, liability coverage costs an average of $228 per month, while full-coverage policies increase to an average of $390 per month. If you have a DUI on your record, consider the following insurers in Long Beach that offer the cheapest average monthly quotes.
FAQs
Q: Can I still get affordable car insurance with a speeding ticket?
A: Yes, there are options for affordable car insurance even with a speeding ticket. Companies like Mile Auto offer competitive rates for drivers with a speeding ticket in Long Beach, California.
Q: Will my car insurance rates increase after an at-fault accident?
A: Yes, having an at-fault accident on your driving record will likely lead to increased car insurance rates. Insurance companies consider at-fault accidents as an indicator of higher risk and adjust premiums accordingly.
Q: What are the consequences of a DUI conviction on my car insurance?
A: A DUI conviction carries significant consequences for your car insurance. In addition to higher premiums, you may be required to file an SR-22 with the state, and your insurer may cancel your policy mid-term or choose not to renew it at the end of the term.
Conclusion
Finding affordable car insurance in Long Beach, California, can be challenging, especially for drivers with incidents on their record. However, companies like Mile Auto offer competitive rates for drivers with a speeding ticket, at-fault accident, or DUI. It’s important to compare quotes from different insurers to find the best possible rates for your unique situation. Remember, maintaining a clean driving record is the most effective way to keep your car insurance costs low.
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