It takes a little time, but the best way to get low-cost auto insurance rates is to compare prices at least once a year from insurance carriers in Orlando.
- Spend a few minutes and learn about the coverage provided by your policy and the things you can control to prevent expensive coverage. Many risk factors that result in higher prices like traffic citations and poor credit rating can be rectified by making minor driving habit or lifestyle changes.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like Progressive and State Farm, while agents who are independent can quote rates for a wide range of insurance providers.
- Compare the price quotes to your existing policy and see if there is a cheaper rate. If you find a lower rate, verify that coverage does not lapse between policies.
- Provide notification to your current company of your intention to cancel your existing policy. Submit payment and a signed application for your new policy. As soon as you can, keep your new certificate of insurance with your vehicle’s registration.
The key thing to know about shopping around is to try to use identical coverage information on every price quote and and to get quotes from every insurance company. This enables an accurate price comparison and a thorough price selection.
A recent survey discovered that most consumers kept their policy with the same company for more than four years, and approximately 40% of consumers have never taken the time to shop around. Many consumers in Orlando could save nearly $1,100 each year just by getting comparison quotes, but they underestimate the rate savings if they swap their current policy for a cheaper one.
Just keep in mind that comparing all the rates in your area helps improve the odds of finding the best price. Not every company does online Orlando Aspen insurance quotes, so it’s recommended that you also compare prices from those companies as well.
The companies shown below are ready to provide price quotes in Florida. If you want cheap car insurance in Orlando, we suggest you visit several of them to get the best price comparison.
Lower rates by qualifying for discounts
Companies offering auto insurance don’t necessarily list every policy discount very well, so below is a list a few of the more common as well as the least known discounts you could be receiving when you buy Orlando car insurance online. If you don’t get every credit you deserve, you could be getting lower rates.
- Own a Home – Owning your own home or condo can get you a discount because of the fact that having a home requires a higher level of personal finance.
- Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it can save substantially.
- Defensive Driver – Passing a class that teaches defensive driving techniques could possibly earn you a 5% discount if you qualify.
- Early Signing – A few insurance companies allow discounts for buying a policy early. You could save around 10% when you buy Orlando car insurance online.
- Distant College Student Discount – College-age children living away from Orlando attending college and won’t have access to an insured vehicle can receive lower rates.
- Responsible Drivers – Insureds without accidents may save up to 50% more compared to accident prone drivers.
- Anti-theft System – Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and will save you 10% or more on Aspen insurance in Orlando.
Discounts save money, but please remember that many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
Popular insurance companies and their offered discounts are included below.
- Travelers has discounts for multi-car, student away at school, IntelliDrive, continuous insurance, and multi-policy.
- 21st Century may offer discounts for anti-lock brakes, air bags, student driver, driver training, 55 and older, and homeowners.
- State Farm policyholders can earn discounts including anti-theft, multiple autos, good student, accident-free, and safe vehicle.
- GEICO may have discounts that include five-year accident-free, seat belt use, good student, anti-lock brakes, emergency military deployment, and membership and employees.
- SAFECO offers premium reductions for drive less, multi-car, teen safe driver, safe driver, and anti-lock brakes.
- AAA includes discounts for multi-car, good student, good driver, anti-theft, education and occupation, AAA membership discount, and multi-policy.
When getting free Orlando car insurance quotes, it’s a good idea to every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts may not be available in Orlando.
Do I need a local insurance agent?
Certain consumers just prefer to buy from a licensed agent and that is recommended in a lot of cases A nice benefit of comparing car insurance online is that drivers can save money and get lower rates but also keep your business local. Supporting neighborhood insurance agencies is important especially in Orlando.
To help locate an agent, after submitting this quick form, your insurance coverage information is sent to local insurance agents in Orlando that provide free Orlando car insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your house because quoted prices will be sent immediately to your email address. You can get cheaper car insurance rates AND a local agent. If for some reason you want to quote rates from a specific car insurance provider, you just need to go to their quote page and fill out the quote form the provide.
When looking for a local agent, you must know there are a couple types of agencies and how they can quote your rates. Car insurance policy providers are categorized either independent (non-exclusive) or exclusive.
Independent Car Insurance Agents (or Brokers)
Agents of this type often have many company appointments so they can write business with an assortment of companies enabling the ability to shop coverage around. If prices rise, your policy is moved internally and you don’t have to switch agencies. If you are comparing rate quotes, you absolutely need to check rates from at least one independent agent for maximum quote selection.
Below are independent agencies in Orlando who may be able to give you free rate quotes.
Sikes Insurance Agency Inc
5145 Curry Ford Rd – Orlando, FL 32812 – (407) 282-5145 – View Map
Brad Shivers Insurance Agency
1060 Woodcock Rd – Orlando, FL 32803 – (407) 601-1835 – View Map
Independent Insurance Agents
845 N Fern Creek Ave – Orlando, FL 32803 – (407) 898-0461 – View Map
Exclusive Insurance Agents
Exclusive agencies can only place business with one company and examples are AAA, Allstate, State Farm, or Farmers Insurance. These agents are not able to provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agents receive extensive training on sales techniques and that enables them to sell even at higher rates.
Shown below are exclusive agencies in Orlando that can give you price quotes.
Marylou Davis – State Farm Insurance Agent
6200 Metrowest Blvd #103 – Orlando, FL 32835 – (407) 857-0400 – View Map
Bruce Baltich – State Farm Insurance Agent
198 S Semoran Blvd – Orlando, FL 32807 – (407) 273-9170 – View Map
Allstate Insurance: Domingo Bravo
9330 Narcoossee Rd – Orlando, FL 32827 – (407) 281-6300 – View Map
Selecting an insurance agent is decision based upon more than just a cheap quote. The questions below may impact your decision as well.
- How long have they been in business?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Are they full-time agents?
- Does the company have a local claim office in Orlando?
- Can they provide you with a list of referrals?
- How is replacement cost determined on your vehicle?
How to know if you need help
When it comes to choosing coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique and your insurance should be unique as well.
These are some specific questions can aid in determining whether you will benefit from professional help.
- Should I get collision insurance on every vehicle?
- Is there coverage for injuries to my pets?
- If my car is totaled with they pay enough to replace it?
- Who sells insurance for high-risk drivers?
- Do I benefit by insuring my home with the same company?
- Can I make deliveries for my home business?
If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier
Reduce Insurance Rates with These Tips
When buying auto insurance it’s important to understand some of the factors that come into play when calculating your policy premiums. If you have some idea of what determines base rates, this enables informed choices that could help you find better auto insurance rates. Many factors are considered when you get a price on insurance. Most are fairly basic like your driving record, but others are not quite as obvious like your continuous coverage and annual miles driven.
More traffic equals higher prices – Choosing to live in smaller towns and rural areas of the country is a good thing when it comes to auto insurance. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims. City drivers have more road rage incidents and much longer commute distances. Longer commute distances means more chance of being in an accident.
Low deductibles cost more – Insurance for physical damage to your car, also called ‘full coverage’, helps pay for damage to your vehicle. Some coverage claims would be collision with another vehicle, damage from fire, or theft. Physical damage deductibles represent how much money the insured will be required to pay if the claim is covered. The more the insured is willing to pay, the less money you will pay for auto insurance.
File insurance claims and pay more – If you file claims often, don’t be surprised to see either higher rates or even cancellation. Insurance companies in Florida provide lower rates to people who do not file claims often. Insurance coverage is intended for larger claims.
Buy as much liability coverage as you can afford – Liability coverage will protect you if you are responsible for causing damage or personal injury in an accident. Your liability coverage provides you with a defense in court which can be incredibly expensive. This coverage is relatively inexpensive compared to comp and collision, so drivers should buy more than the minimum limits required by law.
Your car’s features help determine premiums – Choosing to buy a car with a theft deterrent system can help lower your rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent car theft.
Lower rates with a multi-policy discount – The majority of companies will give lower prices to policyholders that buy multiple policies. It’s known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, drivers will still want to compare Chrysler Aspen rates in Orlando to guarantee you are still saving the most.There is a good possibility that you can find lower rates by buying auto insurance from a different company.
Insurance in Florida serves several purposes
Even though it’s not necessarily cheap to insure a Chrysler in Orlando, buying insurance is mandatory in Florida but it also protects more than you think.
- Almost all states have mandatory insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance in order to get the vehicle licensed. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Chrysler Aspen with a loan, most banks will force you to buy insurance to guarantee their interest in the vehicle. If you let the policy lapse, the lender may insure your Chrysler at a much higher rate and force you to pay for the expensive policy.
- Insurance safeguards not only your Chrysler Aspen but also your assets. It will also reimburse you for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also covers legal expenses in the event you are sued. If your car is damaged in a storm or accident, collision and comprehensive coverages will cover the repair costs.
The benefits of buying insurance more than cancel out the cost, particularly if you ever have a claim. An average driver in America is overpaying more than $800 each year so you should quote your policy with other companies once a year at a minimum to save money.
How to find a good Orlando car insurance company
Choosing the best insurer can be a challenge considering how many companies sell coverage in Orlando. The company rank data displayed below may help you select which insurers to look at comparing price quotes from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Cheap car insurance is out there
When shopping online for car insurance, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.
Throughout this article, we presented a lot of ways to shop for Chrysler Aspen insurance online. The key thing to remember is the more quotes you get, the better your comparison will be. You may even find the lowest rates are with a lesser-known regional company. Some small companies often have lower auto insurance rates on specific markets compared to the large companies like State Farm, GEICO and Nationwide.
For more information, take a look at the following helpful articles:
- Rental Reimbursement Coverage (Allstate)
- What Insurance is Cheapest for Felons in Orlando? (FAQ)
- Who Has the Cheapest Auto Insurance with Multiple Speeding Tickets in Orlando? (FAQ)
- Who Has Affordable Auto Insurance for Handicapped Drivers in Orlando? (FAQ)
- How Much are Orlando Auto Insurance Quotes for Unemployed Drivers? (FAQ)
- Anti-Lock Brake FAQ (iihs.org)
- Older Drivers FAQ (iihs.org)