I work as an auto insurance broker. If you have a clean driving record, the difference between companies will be somewhat minimal. I have 3 speedings, 1 speeding 100+, 1 at-fault accident, and a crossing double yellow lines and my insurance will be about $240 a month for Liability: 25/50/25 Uninsured Motorist: 25/50/CDW Medical 10,000 Comp Ded 100 and Coll Ded 1,000. In September 2 speedings and the accident will fall off my record and will lower my rates about 100 per month.
A couple of things you should note. Not every violation comes off in 3 years. Speeding 100+ stays on for 7 years, DUI for 10 years, and there are a few others that stay on for 5-7 years.
Another note, you can get 15% off with Progressive insurance if you a) are a member of a credit union, or b) are a AAA member for at least 30 days before starting the policy.
And one more, Progressive takes your word for mileage, so I have my annual mileage at 2,000 and they never check. Ever.
Hope that helps...
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