5 Must-Know Tips When Comparing Winter Springs, FL Auto Insurance

When trying to find lower-priced insurance, are you confused by the number of auto insurance sources in Winter Springs? There are such a vast assortment of sources available that it can quickly become a lot of work to locate the lowest auto insurance rates. Everyone knows Winter Springs is a great city to raise a family in, but expensive premiums for auto insurance makes it impossible to affordably insure vehicles.

Consumers should take time to compare prices quite often because insurance prices are rarely the same from one policy term to another. If you had the best deal last year a different company probably has better premium rates today. There is a lot of wrong information about auto insurance on the internet, but in a few minutes you can learn some good information on how to stop overpaying for insurance.

Do you qualify for discount auto insurance?

Insurance can be prohibitively expensive, but companies offer discounts to help offset the cost. Some discounts apply automatically at the time you complete a quote, but lesser-known reductions have to be requested specifically before they will apply.

  • Pay Early and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid the installment charge.
  • Save with a New Car – Insuring a vehicle that is new is cheaper because new model year vehicles keep occupants safer.
  • Passive Restraints and Air Bags – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Drivers Ed for Students – Have your child sucessfully take a drivers education course in high school.
  • Theft Prevention System – Vehicles that have factory anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • No Charge for an Accident – This isn’t a discount exactly, but certain companies may permit one accident before raising your premiums so long as you are claim-free for a set time period.
  • Safe Driver Discount – Insureds who avoid accidents could pay up to 40% less than less cautious drivers.

As a sidenote, many deductions do not apply to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky.

A list of auto insurance companies and some of their more popular discounts are:

  • Progressive may offer discounts for continuous coverage, homeowner, multi-policy, multi-vehicle, good student, online signing, and online quote discount.
  • AAA offers discounts for pay-in-full, multi-policy, anti-theft, multi-car, and AAA membership discount.
  • Farmers Insurance may include discounts for alternative fuel, switch companies, mature driver, good student, and teen driver.
  • Geico has savings for membership and employees, anti-lock brakes, daytime running lights, seat belt use, defensive driver, and anti-theft.
  • Esurance offers premium reductions for safety device, renters, emergency road assistance, multi-car, defensive driver, and anti-lock brakes.
  • SAFECO policyholders can earn discounts including homeowner, accident prevention training, anti-theft, drive less, teen safety rewards, bundle discounts, and anti-lock brakes.
  • State Farm may have discounts that include accident-free, multiple policy, defensive driving training, good student, and anti-theft.

When getting a coverage quote, ask each company which credits you are entitled to. Some of the earlier mentioned discounts may not apply everywhere. If you would like to choose from a list of insurers who offer free auto insurance quotes in Winter Springs, follow this link.

The method we recommend to get rate comparisons utilizes the fact almost all companies allow for online access to compare rate quotes. To begin a comparison, all you need to do is provide a little information like an estimate of your credit level, if the car is leased, level of coverage desired, and whether the vehicles are used for commuting. That rating data is instantly sent to many different companies and you will receive price estimates with very little delay.

To get price quotes for your car now, click here and see if a lower rate is available.

Get cheap costs by understanding these factors

Lots of factors are part of the calculation when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, although others are less apparent such as your marital status or your vehicle rating.

Shown below are some of the most rate-impacting factors auto insurance companies consider when setting your premiums.

  • Insurance rates for married couples – Your spouse can get you a discount on auto insurance. Having a spouse means you’re more mature than a single person and insurance companies reward insureds because drivers who are married are more cautious.
  • Your age impacts your prices – Young drivers in Florida are proven to be more careless behind the wheel therefore auto insurance rates are much higher. Parents adding a teenage driver onto a policy can really hurt. More mature drivers have been proven to be more responsible, cause fewer claims and accidents and get fewer tickets.
  • How much liability protection – Your auto insurance policy’s liability coverage will provide protection in the event that a jury decides you are liable for personal injury or accident damage. This coverage provides you with a defense in court starting from day one. It is affordable coverage when compared to the cost of physical damage coverage, so buy as much as you can afford.
  • High performance equals high prices – The performance level of the car or truck you need insurance for makes a huge difference in how high your rates are. Economy passenger vehicles normally have pretty low rates, but there are many factors that impact the final cost.

Which is the best auto insurance?

When choosing the best auto insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.free Florida insurance quote

These are some specific questions might help in determining whether you could use an agent’s help.

  • Do all my vehicles need collision coverage?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered if I drive in a foreign country?
  • Do I have coverage if my license is suspended?
  • Do I need roadside assistance coverage?
  • Is my cargo covered for damage or theft?
  • Do I have coverage when making deliveries for my home business?
  • What happens if I owe more than my vehicle is worth?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance agencies can find coverage gaps

Certain consumers just want to go talk to an agent and that is a personal choice. Professional agents can make sure you are properly covered and help file insurance claims. One of the great benefits of comparing insurance prices online is you can get lower rates but still work with a licensed agent.

By using this quick form, the coverage information gets sent to local insurance agents in Winter Springs who can give free rate quotes for your insurance coverage. You never need to contact an agency because prices are sent to the email address you provide. If for some reason you want to compare prices for a specific company, don’t hesitate to navigate to their website and fill out their quote form.

Picking the best company requires you to look at more than just the price. Any agent should be willing to answer these questions.

  • Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
  • What are their preferred companies if they are an independent agency?
  • How long has the business existed?
  • Which insurance companies are they affiliated with?
  • Do they feel the quoted coverages are adequate?
  • Is the quote a firm price?

Winter Springs car insurance agents come in two flavors

If you want to use a local Winter Springs insurance agent, there are a couple of different types of agents and how they operate. Auto insurance policy providers can be classified as either captive or independent. Both types can handle auto insurance, but it’s worth learning how they are different since it could factor into the kind of agent you use.

Captive Insurance Agencies

These agents normally can only provide a single company’s rates such as Allstate, State Farm and Farm Bureau. These agents are not able to provide other company’s prices so it’s a take it or leave it situation. These agents receive a lot of sales training on what they offer and that enables them to sell even at higher rates. Consumers sometimes use the same agent partially due to the prominence of the brand and strong financial ratings.

The following are Winter Springs captive agents that can give you price quote information.

  • Farm Bureau Insurance – 142 W State Road 434 – Winter Springs, FL 32708 – (407) 322-2221
  • Allstate Insurance – 301 W State Road 434 # 333 – Winter Springs, FL 32708 – (407) 327-2728
  • State Farm Insurance – 1182 E State Road 434 – Winter Springs, FL 32708 – (407) 327-3233

Independent Auto Insurance Agencies

These agents are not locked into one company and that allows them to write policies amongst many companies enabling the ability to shop coverage around. If they quote lower rates, they simply move the coverage in-house and you stay with the same agent. When comparing rate quotes, you will definitely want to include price quotes from at a minimum one independent agency to have the most options to choose from. Many can place coverage with smaller companies that can offer cheaper rates than bigger companies.

Shown below are independent agents in Winter Springs that are able to give price quotes.

  • Hoskens Insurance – 100 State Road 419 – Winter Springs, FL 32708 – (407) 327-0103
  • Hoskens Insurance – 3625 State Road 419 – Winter Springs, FL 32708 – (407) 327-0103

To choose from more Winter Springs insurance agents, you may want to visit this directory of insurance agencies in Winter Springs.

Buyer beware of auto insurance advertising tricks

Consumers can’t escape the ads that claim the lowest premium rates by companies like State Farm and Allstate. They all advertise claims about savings if you switch your coverage.

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How is it possible that every company can give you a better price?

Companies have an ideal profile for the type of driver that will not have excessive claims. A good example of a driver they prefer might be described as a married female, carries full coverage, and drives a safe vehicle. Any person that matches those criteria gets the lowest prices and as a result will probably save if they switch.

Insureds who are not a match for this stringent profile will see higher premium rates which leads to the customer buying from a different company. If you pay close attention to the ads, they say “drivers who switch” but not “everyone who gets a quote” save that much money. That is how companies can truthfully make claims that they all have the best rates. That is why it’s extremely important to compare as many as you can. Because without a comparison, you cannot know the company that will have the best prices at this point in time.

Persistence pays off

People switch companies for many reasons like delays in responding to claim requests, poor customer service, extreme rates for teen drivers and denial of a claim. Whatever your reason, finding a great new company is easier than you think.

Lower-priced auto insurance is attainable both online as well as from insurance agents, so you need to with both so you have a total pricing picture. Some companies may not have rate quotes online and these small, regional companies prefer to sell through local independent agencies.

When buying insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice physical damage coverage and learned later that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at the best cost while still protecting your assets.

Read more about Florida auto insurance

Additional detailed information is available at the Florida Office of Insurance Regulation website. Florida consumers can find out industry alerts, discover disciplinary actions, file complaints about an insurance agent or broker, and find a variety of consumer forms.