Google Answers Logo
View Question
Q: Car Insurance ( Answered,   7 Comments )
Subject: Car Insurance
Category: Miscellaneous
Asked by: mandar-ga
List Price: $5.00
Posted: 22 Apr 2002 09:48 PDT
Expires: 29 Apr 2002 09:48 PDT
Question ID: 2648
How do I find car insurance cheap enough with 2 speeding tickets ??
Subject: Re: Car Insurance
Answered By: skis4jc-ga on 22 Apr 2002 17:57 PDT
Dear Mandar,

For the best rates on car insurance you need to at least know your:
Vehicle Identification Number (VIN)
Type of coverage you want/need
Model of car
Make of car
State license information
Car Registration Number
Drivers License number

Once you have gathered all relevant information, plug the information in at any 
of the following sites to get comparative quotes from hundreds of different 
insurance companies at sites like:

Netquote - Insurance Quotes
Auto Insurance - Quotes and Overview

Also helpful if you still have questions:
Guide to Auto Insurance

In your case, because you have 2 speeding tickets, it is recommended that you:
1. Don't get any more speeding tickets.  Because of your tickets you are not 
going to find "cheap" insurance.
2. Go to your county Clerk's office and request an official copy of your 
driving record, then double check it to make sure it's accurate as that is one 
of the things that insurance companies use to determine how much your car 
insurance will cost.

Search terms used:
car insurance
buying auto insurance

Thank you and Good Luck!

Best Regards,
Subject: Re: Car Insurance
From: thx1138-ga on 22 Apr 2002 10:04 PDT
Are you in the USA or UK or ?
Subject: Re: Car Insurance
From: mandar-ga on 22 Apr 2002 10:20 PDT
In the US, San Jose to br precise !!
Subject: Re: Car Insurance
From: mg-ga on 22 Apr 2002 10:24 PDT
The insurance companies offer lower rates to drivers with clean records. They 
make their money from insuring drivers whom, statistically, won't need the 
insurance. With two tickets, you pose a greater risk for accident. 

To lower your insurance, obviously, don't get any more tickets. A good resource 
for fighting and avoiding tickets is provided by the National Motorists 
Association ( There are 
plenty more resources available on the Internet and dozens of books published 
about fighting speeding tickets. You should always fight your tickets, because 
even if you are caught dead to rights, there is a good chance you can get off 
the hook. 

To negate the two tickets already on your license you can go to a driving 
school and take a defensive driving course. Talk to your insurance agent and 
weigh the cost between the price of the course and the discount you'll get on 
your insurance, it should work out in your favor, especially in the long run.

Lastly, the larger, natione-wide insurance companies (Geico, State Farm) make 
their money off insuring only motorists least likely to get into accidents. Try 
a local insurance company (try the phonebook). They will all likely have laxer 
policies and cheaper rates, but obviously, will provide fewer services.
Subject: Re: Car Insurance
From: mandar-ga on 22 Apr 2002 10:28 PDT
In the US, San Jose to br precise !!
Subject: Re: Car Insurance
From: mandar-ga on 22 Apr 2002 10:41 PDT
In the US, San Jose to br precise !!
Subject: Re: Car Insurance
From: tdisessa-ga on 22 Apr 2002 12:39 PDT offers regional and national automobile insurance in 
CA.  Thay have about have a dozen "non-standard" carriers quoting live on their 
site.  Non-standard refers to business that the standard companies, like GEICO 
and State Farm, won't accept.  Non-standard companies like that will accept up
to 5 major violations(DUIs, at-fault accidents, etc.) and typically more minor
violations, like speeding.  

And, if you don't qualify for any non-standard company plans (with which I'm 
sure you shouldn't have a problem), there is a an Assigned Risk Pool in every 
state for high risk drivers.  This pool is state run and quotes almost 
everyone, but at a very high price.  You can look up their contact information 
at your state's website, under their department of insurance.
Subject: Re: Car Insurance
From: mvguy-ga on 22 Apr 2002 16:31 PDT
Along the lines of what tdisessa-ga said, I suggest performing a Google search 
for "compare car insurance rates" (without the quote marks).  You'll find a 
number of sites that let you compare rates from competing companies.

You could also go to a good independent agent, one that offers policies from 
more than one company. A good agent will try to get you the best deal, 
regardless of which company it comes from.

Important Disclaimer: Answers and comments provided on Google Answers are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, or other professional advice. Google does not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service or service provider mentioned or any opinion expressed in answers or comments. Please read carefully the Google Answers Terms of Service.

If you feel that you have found inappropriate content, please let us know by emailing us at with the question ID listed above. Thank you.
Search Google Answers for
Google Answers  

Google Home - Answers FAQ - Terms of Service - Privacy Policy