Pay Less for Orlando Florida Car Insurance Rates in Five Minutes

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us when we tell you you’re not the only one. Big companies like Allstate, Liberty Mutual and State Farm all promote huge savings with ad campaigns and it is difficult to sift through the bull and take the time to shop coverage around.

If you have insurance now or are looking for a new policy, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Finding affordable coverage in Orlando is not that difficult. Florida consumers only need to know the best way to shop for car insurance over the internet.

Discounts can save BIG

Auto insurance companies don’t always publicize all available discounts very clearly, so we took the time to find both the well known as well as the least known discounts you could be receiving. If you’re not getting every credit available, you are throwing money away.

  • Resident Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% with certain companies.
  • Homeowners Pay Less – Owning a home in Orlando may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Early Signing – A few companies offer discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.

Drivers should understand that some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way.

To see a list of insurance companies with the best car insurance discounts in Orlando, follow this quote Orlando Florida

Finding Car Insurance Deals in Orlando

All the larger car insurance companies like State Farm, Allstate and GEICO quote price estimates on their websites. This process doesn’t take much effort as you just type in your coverage preferences into a form. After you submit the form their system orders your driving record and credit report and returns a price. Quoting online makes it a lot easier to compare rates but the time it takes to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to perform this step if you want to find a lower rate.

Rate comparisons made easy

The quickest way to compare rates utilizes a single form to return rates from several companies at one time. It’s a real time-saver, eliminates repetitive work, and makes online price comparison a little more enjoyable. After your information is entered, it is quoted and you are able to buy any one of the resulting price quotes. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.

To find out if lower rates are available, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you enter the coverages identical to your current policy. This way, you will be getting a rate comparison using the exact same coverages.

Will just any policy work for me?

When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Each situation is unique so this has to be addressed. Here are some questions about coverages that might point out if your situation might need professional guidance.

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  • Do I need medical payments coverage since I have good health insurance?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when delivering products for my home-based business?
  • Does liability extend to a camper or trailer?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need to file an SR-22 for a DUI in Florida?
  • Do all my vehicles need collision coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

What is YOUR best insurance company?

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. In many cases, an insured cut collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at the best price while still protecting your assets.

The cheapest car insurance can be bought both online and with local Orlando insurance agents, so compare prices from both in order to have the best chance of saving money. A few companies do not offer online price quotes and these smaller companies work with independent agents.