For most drivers going with one of the major auto insurance companies is probably your best bet, but for those of us that have had numerous tickets or accidents you should consider going with a specialty auto insurance company. Another thing to consider is your location. Auto insurance companies vary their rates according to region so you should get multiple quotes in order to find the best auto insurance companies.
If you have a lot of speeding tickets then you’re going to have to try to reduce your premiums in every other way possible. You should get quotes for each insurance company because each company will have discounts that you could fall under. For example a student discount or a senior citizen discount. Additionally not all auto insurance companies treat tickets the same way. You could get a much lower quote from one insurance company over another because of their policies on drivers with tickets.
Which state you live in can be another factor that each insurance company will widely vary on. One insurance company may have it out for the state you live in while another company looks well upon your state. The internet allows you to get quotes from all these insurance company in one place and I suggest you take advantage of quote comparison sites.
You can find a comparison site easily by doing a simple search. Some insurance companies will lump all the high risk drivers together while other companies will keep them in the pool with all the other drivers. If you have a history of tickets then you’re going to want to partner up with a company that doesn’t make much of a distinction in driving records.
The difference in cost between states may be more about regulations than accident patterns. Again if you’re a regular driver without a history of reckless driving the best auto insurance companies will be the big name brand ones.