It’s hard to fathom, but the vast majority of car insurance customers have remained with the same car insurance company for well over three years, and just under half have never compared quotes from other companies. Florida insurance shoppers could pocket about $1,126 a year by just shopping around, but most undervalue how much they could save if they switched to a more affordable policy.
Truthfully, the best way to get low-cost Lincoln LS insurance is to compare prices at least once a year from different companies in Orlando.
First, get a basic knowledge of the different coverages in a policy and the factors you can control to prevent high rates. Many rating criteria that result in higher rates like at-fault accidents, careless driving, and an unfavorable credit rating can be improved by being financially responsible and driving safely. Read the full article for additional tips to find cheap prices and get discounts that may be overlooked.
Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO or State Farm, while independent agencies can quote prices from multiple insurance companies.
Third, compare the new rate quotes to your existing rates to see if a cheaper rate is available. If you can save money and change companies, verify that coverage does not lapse between policies.
The key thing to remember is to use the same amount of coverage on each quote and and to analyze all possible companies. This provides an apples-to-apples comparison and maximum price selection.
Choosing the best rates in Orlando is actually quite easy if you know where to start. If you are already insured or are looking for a new policy, you can use this information to buy cheaper insurance and still have adequate protection. Shoppers just need to know the most effective way to shop for insurance online.
Car insurance providers offering cheap price quotes in Florida
The companies shown below provide quotes in Florida. If you want cheaper auto insurance in FL, it’s highly recommended you visit as many as you can in order to find the most competitive rates.
You Can Change Your Insurance Costs
Lots of factors are considered when quoting car insurance. Some factors are common sense such as traffic violations, although others are more transparent such as whether you are married or your financial responsibility.
The following are just a few of the factors companies use to determine your rates.
Deter theft and lower premiums – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent auto theft and help lower rates.
Rural areas have lower costs – Living in less populated areas of the country can save you money if you are looking for the lowest rates. Less people means fewer accidents. Drivers who live in large Florida cities regularly have more traffic problems and more time behind the wheel. More time commuting means a statistically higher chance of an accident.
Incidental coverages are wasting money – There are a ton of extra bells and whistles you can purchase when buying auto insurance. Insurance for personal injury protection, accident forgiveness, and additional equipment coverage are some examples. They may seem like a good idea when buying your policy, but if you don’t need them consider taking them off your policy.
Be proud to be claim-free – If you tend to file frequent claims, you should expect higher rates. Car insurance companies in Florida give most affordable rates to drivers who file claims infrequently. Auto insurance is intended for the large, substantial claims.
Good credit scores equal low prices – Having a bad credit rating will be a significant factor in your rate calculation. Consumers who have high credit ratings tend to file fewer claims than drivers with lower ratings. So if your credit is not that good, you could potentially save money when insuring your Lincoln LS by taking the time to improve your credit score.
Insurance policy discounts you can’t miss
Insuring your fleet can be pricey, but you may be missing some discounts that can dramatically reduce your bill. Some trigger automatically at quote time, but less common discounts must be specifically requested before they will apply.
- Early Switch Discount – Select insurance companies give a discount for buying a policy before your current coverage expires. It can save you around 10%.
- Anti-theft System – Cars and trucks optioned with advanced anti-theft systems help deter theft so companies will give you a small discount.
- Active Service Discounts – Having an actively deployed family member may lower your insurance rates slightly.
- No Claim Discounts – Drivers who don’t have accidents pay less as compared to insureds who have frequent claims or accidents.
- Student Driver Training – Have your child successfully take a driver’s education course in school.
- Bundled Policy Discount – If you insure your home and vehicles with the same insurance company you may earn 10% to 20% off each policy.
- ABS Braking Discount – Cars with ABS and/or traction control can avoid accidents and will save you 10% or more on LS insurance in Orlando.
- Fewer Miles Equal More Savings – Driving less may enable drivers to earn discounted rates on garaged vehicles.
- Safe Driver Discounts – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than less cautious drivers.
Discounts save money, but please remember that most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as comprehensive or collision. Just because it seems like you can get free auto insurance, nobody gets a free ride. Any amount of discount will lower your overall premium however.
Auto insurance companies that possibly offer these benefits include:
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
If you are trying to find the cheapest Lincoln LS rate quotes, ask each insurance company which discounts you may be entitled to. Depending on the company, some discounts might not be available to policyholders everywhere. To view companies that offer multiple discounts in Orlando, click here.
What if I want to buy from local Orlando insurance agents?
Certain consumers just want to have an agent’s advice and that is not a bad decision Good insurance agents can answer important questions and give you someone to call. An additional benefit of comparing insurance prices online is that you can obtain cheap insurance rates and still buy from a local agent.
Upon completion of this short form, the quote information is instantly submitted to insurance agents in Orlando who want to provide quotes to get your business. It’s much easier because you don’t need to find an agent on your own since price quotes are sent instantly to you. If you wish to compare prices from a specific insurance provider, don’t hesitate to navigate to their website and give them your coverage information.
Picking an company should include more criteria than just the bottom line cost. You should also get answers to these questions.
- Does their agency support local causes in Orlando?
- Do they write coverage based solely on cost?
- Do they offer rental car reimbursement?
- What insurance companies do they work with in Orlando?
- Where would your vehicle be repaired?
- How much training do they have in personal risk management?
Shown below are Orlando insurance companies willing to provide price quotes for Lincoln LS insurance in Orlando.
Bill Cordy – State Farm Insurance Agent
2737 N Hiawassee Rd – Orlando, FL 32818 – (407) 298-9996 – View Map
You can find affordable coverage
When you buy Orlando auto insurance online, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where an accident victim reduced collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage at an affordable rate.
We just showed you a lot of information how to get a better price on Lincoln LS insurance in Orlando. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the lowest prices come from a small mutual company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.
Even more information is located in the articles below:
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Who Has Cheap Orlando Auto Insurance for Business Use? (FAQ)
- What Auto Insurance is Cheapest for Government Employees in Orlando? (FAQ)
- How Much is Auto Insurance for a Ford Explorer in Orlando? (FAQ)
- All About Airbag Safety (State Farm)
- What Does No-Fault Insurance Cover? (Allstate)