A recent insurance study discovered that 70% of consumers have purchased from the same company for more than four years, and almost half have never taken the time to shop around. U.S. insurance shoppers can cut their rates by nearly $860 a year by just comparing rate quotes, but most undervalue the benefits if they just switched companies.
If your goal is the lowest price, then the best way to find low-cost car insurance rates is to start comparing prices regularly from insurers in Orlando.
First, read about what is in your policy and the changes you can make to keep rates low. Many policy risk factors that result in higher rates like accidents, traffic violations, and an unfavorable credit rating can be remedied by making minor driving habit or lifestyle changes.
Second, compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO or State Farm, while agents who are independent can quote rates from multiple insurance companies.
Third, compare the new quotes to your existing rates and see if there is a cheaper rate in Orlando. If you find better rates and make a switch, verify that coverage does not lapse between policies.
Fourth, notify your current company of your decision to cancel your existing policy and submit a down payment along with a completed application to the new company. As soon as coverage is bound, safely store the certificate of insurance with the vehicle registration.
One bit of advice is to try to compare identical coverages on each quote request and and to get quotes from every company you can. Doing this provides a fair rate comparison and maximum price selection.
Locating the most cost-effective car insurance policy in Orlando can be easy if you know a few tricks. Just about anyone who is shopping for car insurance should be able to find lower rates. Although Florida vehicle owners must learn the way companies calculate their prices and use this information to your advantage.
To get low cost Orlando car insurance quotes, there a variety of ways of comparing rate quotes from many auto insurance companies in Florida. The recommended way to lower the rate you pay for insurance is to get quotes online.
When quoting auto insurance, remember that quoting more helps locate the best rates.
The companies shown below are our best choices to provide comparison quotes in Florida. If your goal is to find cheap car insurance in Orlando, we suggest you visit as many as you can to get a more complete price comparison.
Orlando car insurance discounts
Car insurance is not inexpensive, but you can get discounts to help bring down the price. Certain credits will be shown when you quote, but a few must be asked about before they will apply. If you check and find you aren’t receiving every discount possible, you are paying more than you should be.
- Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you may reduce your total bill.
- E-sign – A few companies will give you a small discount for buying your policy on the internet.
- Drive Less and Save – Driving less may enable drivers to earn cheaper premium rates.
- Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. The discount lasts until age 25.
- Safety Restraint Discount – Forcing all vehicle occupants to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
- Federal Employees – Active or retired federal employment can save as much as 8% depending on your company.
- Theft Deterrent – Vehicles that have factory anti-theft systems have a lower chance of being stolen and will save you 10% or more on HR-V insurance in Orlando.
- ABS Braking Discount – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents and therefore earn up to a 10% discount.
You can save money using discounts, but most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way.
A partial list of companies that may offer quotes with many of the previously listed discounts possibly include:
When getting a coverage quote, ask every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts might not be available to policyholders in Orlando.
Insurance agent or online?
Many people just prefer to visit with an insurance agent and that can be a great decision One of the best bonuses of comparing insurance prices online is you may find cheaper rates but still work with a licensed agent.
Upon completion of this form (opens in new window), the quote information is submitted to agents in your area that can provide free Orlando car insurance quotes and help you find cheaper coverage. You won’t even need to leave your computer due to the fact that quote results will go directly to your email. Get lower rates without a big time investment. If you need to compare prices for a specific company, you would need to visit that company’s website and complete a quote there.
Picking the best company shouldn’t rely on just a cheap quote. Some important questions to ask are:
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do they get extra compensation for selling add-on coverages?
- How are claims handled?
- Is the agency covered by Errors and Omissions coverage?
- Are there any discounts that you might be missing?
Situations that may require an agent’s advice
When choosing adequate coverage, there really isn’t a one-size-fits-all type of policy. Every situation is different.
For example, these questions can help discover whether your personal situation might need an agent’s assistance.
- Are combined or split liability limits better?
- Is a blown tire covered by insurance?
- Where can I find DUI or SR-22 insurance?
- Is my business laptop covered if it gets stolen from my vehicle?
- What is PIP insurance?
- Does low annual mileage earn a discount?
- Is pleasure use cheaper than using my Honda HR-V to commute?
- I have a DUI can I still get coverage?
- What is the difference between comprehensive and collision coverage?
- How much coverage applies to personal belongings?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.
Orlando car insurance companies ranked
Selecting the right insurance provider is difficult considering how many choices drivers have in Orlando. The rank data below may help you analyze which car insurance providers to look at purchasing from.
Top 10 Orlando Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Top 10 Orlando Car Insurance Companies Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Insurance coverage considerations
Having a good grasp of insurance can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.
Coverage for liability
Liability coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 10/20/10 which means a limit of $10,000 per injured person, a limit of $20,000 in injury protection per accident, and $10,000 of coverage for damaged property.
Liability can pay for claims such as repair bills for other people’s vehicles, attorney fees, legal defense fees, medical services and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford. Florida requires drivers to carry at least 10/20/10 but it’s recommended drivers buy more liability than the minimum.
The chart below shows why buying low liability limits may not be high enough to adequately cover claims.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people have only the minimum liability required by law (10/20/10), their limits can quickly be used up. So UM/UIM coverage is a good idea.
Coverage for medical expenses
Med pay and PIP coverage kick in for immediate expenses for things like nursing services, surgery, pain medications, X-ray expenses and doctor visits. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as rock chips in glass, vandalism and a broken windshield. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Collision coverage pays for damage to your HR-V from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like crashing into a ditch, backing into a parked car and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also choose a higher deductible on your HR-V to bring the cost down.
You can lower your insurance rates
You just learned many ways to compare Honda HR-V insurance prices in Orlando. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting affordable Honda HR-V insurance quotes. Consumers may even find the lowest prices come from a lesser-known regional company.
Consumers leave their current company for any number of reasons including unfair underwriting practices, delays in paying claims, delays in responding to claim requests and even an unsatisfactory settlement offer. Whatever your reason, finding the right insurance provider is less work than it seems.
Some insurance providers do not provide online price quotes and many times these small, regional companies only sell coverage through local independent agents. Discount Honda HR-V insurance is available from both online companies as well as from independent agents in Orlando, so you should be comparing quotes from both in order to have the best price selection to choose from.
Additional insurance information is located on the following sites:
- Help Your Teen Be a Better Driver (State Farm)
- What Auto Insurance is Cheapest for Teenagers in Orlando? (FAQ)
- Who Has Cheap Car Insurance for a Subaru Outback in Orlando? (FAQ)
- What Car Insurance is Cheapest for Uber Drivers in Orlando? (FAQ)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)