The vehicle on the policy is probably the most important factor when comparing economical insurance for welfare recipients. Vehicles with higher performance characteristics, poor passenger safety features, or high incidents of liability claims will cost substantially more to insure than more economical and safe models. The next list showcases coverage costs for a handful of the cheapest vehicles to insure in Florida.
|Vehicle||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$1,180|
|Ford Escape Limited 4WD||$1,279|
|Ford Edge SE 2WD||$1,298|
|Honda CR-V EX 2WD||$1,348|
|Toyota Camry LE||$1,397|
|Chevrolet Equinox LS AWD||$1,402|
|Ford Focus SEL 4-Dr Sedan||$1,444|
|GMC Sierra SLE Crew Cab 4WD||$1,496|
|Chevrolet Silverado 2500HD LT Crew Cab 4WD||$1,506|
|Nissan Rogue S AWD||$1,498|
|Dodge Grand Caravan CV||$1,515|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$1,523|
|Toyota RAV4 2WD||$1,599|
|Ford F-150 XL Crew Cab 2WD||$1,616|
|Dodge Ram 3500 Mega Cab SLT 2WD||$1,621|
|Chevrolet Malibu LT||$1,629|
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Prices based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Prices do not factor in specific location which can raise or lower coverage rates noticeably.
Based on these rates, you can expect models like the Honda Accord, Ford Escape, Ford Edge, Honda CR-V, and Toyota Camry will be some of the cheaper vehicles to insure for drivers on welfare.
For drivers on welfare, one of the largest things that help determine the annual cost of car insurance is where your residence is in Orlando. More populated areas tend to have more expensive car insurance rates, whereas less populated areas have the enjoyment of a little cheaper coverage.
The following table lists the highest-priced areas in Florida for welfare recipients in which to buy car insurance. Orlando ranks #19 costing $2,008 for the average policyholder, which is around $167 per month.
|5||West Palm Beach||$2,625|
|20||Port St. Lucie||$1,994|
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Premium amounts are approximated as specific Orlando zip code can increase or decrease auto insurance rates significantly.
Impact of speeding/accidents on Orlando car insurance rates
The easiest way to earn cheap car insurance rates for drivers on welfare is to drive attentively and avoid accidents and keep your driving record clean. The illustration below highlights how speeding tickets and at-fault claims can influence insurance prices for different insured age categories. The data assumes a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of car insurance in Orlando per year with no accidents and a clean driving record is $2,039. Add in one speeding ticket and the average cost surges to $2,338, an increase of $300 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of car insurance for welfare recipients jumps again to an average of $4,869. That’s an increase of $2,831, or $236 per month, just for not paying attention while driving!
Get discount Orlando insurance
Auto insurance companies that sell policies for welfare recipients may additionally offer discounts that can lower rates by as much as 40% or more if you meet specific criteria. A few of the larger companies and a selection of discounts include:
- State Farm policyholders can earn discounts including Steer Clear safe driver discount, multiple autos, safe vehicle, good driver, Drive Safe & Save, passive restraint, and multiple policy.
- GEICO may offer discounts for good student, defensive driver, five-year accident-free, military active duty, and anti-theft.
- Progressive has savings for multi-vehicle, online signing, multi-policy, homeowner, and online quote discount.
- 21st Century may have discounts that include automatic seat belts, 55 and older, driver training, good student, homeowners, and student driver.
- American Family has discounts for good driver, TimeAway discount, early bird, good student, and air bags.
- The Hartford offers premium reductions for good student, bundle, defensive driver, anti-theft, air bag, and vehicle fuel type.
- AAA discounts include multi-policy, multi-car, anti-theft, AAA membership discount, and education and occupation.
The chart below illustrates the comparison of auto insurance costs with and without discounts applied to the policy rates. The premiums assume a male driver, no accidents or driving violations, Florida state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with marriage, vehicle safety, passive restraint, accident-free, multiple policy, and anti-theft discounts applied. When discounts are factored in, the average amount saved each year on car insurance for welfare recipients is 28% or $891.
Cost difference between full coverage and liability
Paying less for car insurance is the goal of the majority of people, and a great way to reduce the cost of insurance for welfare recipients is to not buy comprehensive and collision coverage. The chart below illustrates the difference between insurance rates with and without full coverage. The costs are based on no violations or claims, $100 deductibles, single marital status, and no additional discounts are factored in.
If the expense is averaged for all age categories, full coverage on your policy costs $2,656 per year more than just buying liability only. That raises the question if buying full coverage is worth the money. There isn’t a written rule to delete physical damage coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
There are a few situations where dropping full coverage is not financially feasible. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.
If you have questions and prefer to get some help when trying to find lower insurance rates for welfare recipients, the insurance agencies listed below are willing to answer your questions and help you decide which policy fits your needs best. To locate an Orlando auto insurance agent nearest to you, click the button at the bottom or click here to get price quotes now.
HealthMarkets Insurance Agency
5728 Major Blvd #705 – Orlando, FL 32819 – (407) 440-8665
Leigh DelVesco – State Farm Insurance Agent
3806 Edgewater Dr – Orlando, FL 32804 – (407) 290-8544
Orlando Health Insurance Agent
7898 Canyon Lake Cir – Orlando, FL 32835 – (321) 446-6527
Bill Cordy – State Farm Insurance Agent
2737 N Hiawassee Rd – Orlando, FL 32818 – (407) 298-9996