Comparing Winter Garden auto insurance quotes online probably sounds like a formidable task if you are a beginner to online car insurance quotes. Don't be confused because comparing prices is actually very simple.

A recent car insurance study revealed that the vast majority of consumers kept their policy with the same company for more than four years, and approximately 40% of consumers have never compared rates from other carriers. American insurance shoppers could cut their rates by about $850 a year by just comparing rate quotes, but they don't believe the rate savings if they swap their current policy for a cheaper one.

Consumers need to compare rates every six months because rates go up and down regularly. Just because you found the lowest premium rates on car insurance six months ago there may be better deals available now. Forget all the misinformation about car insurance because I'm going to let you in on the secrets to one of the quickest ways to find great coverage at a great price.

Most larger insurance companies such as State Farm and Allstate allow consumers to get insurance quotes direct online. This process can be done by anyone as you simply enter the amount of coverage you want into the quote form. When complete, the system automatically retrieves your credit score and driving record and returns a price quote determined by many factors.

Getting online rate quotes makes it a lot easier to compare rates and it is important to do this if you want to get affordable rates.

To compare pricing, take a look at the companies shown below. If you currently have coverage, we recommend that you enter coverages and limits as close as possible to your current policy. Using the same limits helps guarantee you will receive rate quotes for exact coverage.

The car insurance companies shown below provide free quotes in Florida. To locate the best cheap car insurance in Florida, we suggest you visit several of them in order to find the most competitive rates.

Insurance Rates for Popular Vehicles in Winter Garden
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LTZ 2WD $1,328 $664 $111
Chevrolet Silverado LT Crew Cab 4WD $1,356 $678 $113
Dodge Ram Crew Cab Sport 4WD $1,946 $973 $162
Ford Escape XLT 4WD $1,254 $627 $105
Ford F-150 XL Crew Cab 4WD $1,070 $535 $89
Ford Focus S 4-Dr Sedan $1,226 $613 $102
Ford Fusion Sport AWD 4-Dr Sedan $1,614 $807 $135
Honda Accord EX-L 4-Dr Sedan $892 $446 $74
Honda CR-V EX-L 4WD $1,098 $549 $92
Honda Civic SI 4-Dr Sedan $1,642 $821 $137
Jeep Grand Cherokee Limited 2WD $1,570 $785 $131
Jeep Wrangler Unlimited Sahara 4WD 4-Dr $1,312 $656 $109
Nissan Altima 2.5 4-Dr Sedan $1,406 $703 $117
Nissan Rogue S 2WD $1,380 $690 $115
Toyota Camry Hybrid $1,404 $702 $117
Toyota Corolla XLE $1,168 $584 $97
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Premium costs do not factor in garaging location in Winter Garden which can alter coverage rates substantially.

Choosing deductibles

When comparing car insurance rates, the most common question is which deductibles should you choose. The tables below illustrate the premium difference of buying low and high physical damage coverage deductibles. The first data table uses a $100 physical damage deductible and the second price chart uses a $500 deductible.

Chevrolet Malibu rates are for example purposes only. To get rates for your specific vehicle, click here.

Chevrolet Malibu insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $358 $648 $418 $24 $124 $1,597 $133
Malibu Hybrid $358 $648 $418 $24 $124 $1,597 $133
Malibu LT $406 $648 $418 $24 $124 $1,645 $137
Malibu LTZ $406 $764 $418 $24 $124 $1,761 $147
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Chevrolet Malibu insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $262 $438 $418 $24 $124 $1,266 $106
Malibu Hybrid $262 $438 $418 $24 $124 $1,266 $106
Malibu LT $296 $438 $418 $24 $124 $1,300 $108
Malibu LTZ $296 $516 $418 $24 $124 $1,378 $115
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in garaging location in Winter Garden which can impact auto insurance rates considerably.

Using the data above, we can ascertain that using a $100 deductible costs roughly $29 more each month or $348 annually than selecting the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you have at least 14 months between claim filings, you would more than likely save some money going with the higher deductible. Below is an example of how this determination is made.

Average monthly premium for $100 deductibles: $138
Average monthly premium for $500 deductibles (subtract): - $109
Monthly savings from raising deductible: $29
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 14 months

One important note is that a higher deductible results in more money out-of-pocket if you have a claim. That will require some money saved in the event you need to pay the higher deductible in order to repair your vehicle.

Get cheaper car insurance with discounts

Some providers don't always advertise all discounts very well, so here is a list both the well known as well as the least known credits that you can use to lower your rates. If they aren't giving you every credit you deserve, you could be saving more on your car insurance.Save money with discounts

We need to note that most discounts do not apply to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. Just because you may think it's possible to get free car insurance, it's just not the way it works.

If you would like to choose from a list of insurers that offer the discounts shown above in Winter Garden, click here to view.

Insurance does more than just protect your car

Despite the high insurance cost in Winter Garden, buying insurance serves a purpose in several ways.

The benefits of carrying adequate insurance definitely exceed the cost, especially when you need to use it. Unknowingly, the average driver is overpaying more than $850 per year so you should quote rates at every policy renewal to help ensure money is not being wasted.

When in doubt talk to an agent

When it comes to buying coverage for your personal vehicles, there is no single plan that fits everyone. Your situation is unique so this has to be addressed.Car insurance savings For instance, these questions could help you determine if you could use an agent's help.

If you don't know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

Local Winter Garden auto insurance agents

Certain consumers would rather sit down and talk to an agent and that is a smart decision The best thing about comparing rate quotes online is that you can obtain lower rates and still have a local agent. Supporting small agencies is still important in Winter Garden.

Upon completion of this quick form, your insurance data is emailed to participating agents in Winter Garden that provide free Winter Garden auto insurance quotes for your business. You don't have to find an agent since rate quotes are delivered to you instantly. You can find the lowest rates without a big time investment. In the event you want to quote rates from a specific company, you would need to navigate to their website and fill out the quote form the provide.

The different types of car insurance agents

When searching for a local insurance agency, you need to know there are two different types of agencies and how they operate. Agencies in Winter Garden are classified as either exclusive agents or independent agents.

Independent Agents

These type of agents are not employed by one company so they can quote policies with many different companies depending on which coverage is best. If prices rise, your agent can just switch to a different company and you stay with the same agent. If you need cheaper insurance rates, it's recommended you get rate quotes from at least one independent agent to have the most options to choose from. Most also write with companies you've never heard of which can save you money.

Exclusive Insurance Agents

Agents that choose to be exclusive work for only one company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. They are usually well trained on their company's products which helps them compete with independent agents. Consumers sometimes buy from the same agent for years partially due to the prominence of the brand and solid financial strength.

Picking the best insurance agent is decision based upon more than just a cheap price quote. These are some valid questions you should ask.

Car insurance policy specifics

Having a good grasp of car insurance can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages offered by car insurance companies.

Coverage for medical expenses - Medical payments and Personal Injury Protection insurance pay for expenses for things like surgery, EMT expenses, dental work, prosthetic devices and ambulance fees. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Manufacturer Models with the Lowest and Highest Medical Payment Coverage Claims
Lowest Claim Frequency Highest Claim Frequency
Chevrolet Corvette Hyundai Accent
Chevrolet Silverado 3500 Chrysler 200
Audi A4 Allroad Kia Forte
Land Rover Range Rover Sport Nissan Sentra
Tesla Model S Mitsubishi Lancer
Ford F-350 SuperCrew Mitsubishi Mirage

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Comprehensive car insurance - This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, hitting a bird and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Comprehensive Claims by Vehicle Make and Model
Lowest Claim Frequency Highest Claim Frequency
Infiniti QX50 Porsche Panamera GTS
Nissan Xterra Mercedes-Benz S Class
Nissan Leaf Maserati Granturismo
Chevy Spark Bentley Continental GT
Volvo V60 Bentley Continental GTC
GMC Sierra 2500 BMW M6

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Coverage for uninsured or underinsured drivers - This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your vehicle.

Because many people only carry the minimum required liability limits (which is 10/20/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Liability - This protects you from damages or injuries you inflict on other people or property by causing an accident. It protects YOU from legal claims by others, and doesn't cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 10/20/10 that translate to $10,000 in coverage for each person's injuries, a per accident bodily injury limit of $20,000, and a limit of $10,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like repair costs for stationary objects, legal defense fees and attorney fees. The amount of liability coverage you purchase is up to you, but buy higher limits if possible. Florida requires drivers to carry at least 10/20/10 but drivers should carry better liability coverage.

Lowest and Highest Liability Coverage Claims by Vehicle Model
Lowest Claim Frequency Highest Claim Frequency
Mercedes-Benz SL Class Hyndai Accent
Chevrolet Corvette Kia Optima
Audi A6 Mitsubishi Lancer
Acura MDX Kia Rio
Fiat 500 Dodge Charger
Volvo XC60 Chevrolet Impala

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Collision - This will pay to fix damage to your vehicle resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, crashing into a ditch and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It's also possible to raise the deductible to save money on collision insurance.

Vehicles with the Lowest and Highest Collision Insurance Claims
Lowest Claim Frequency Highest Claim Frequency
Ford F-150 SuperCrew Maserati Granturismo
Ford F-250 SuperCab Bentley Continental Flying Spur
Smart ForTwo Nissan GT-R
GMC Canyon Bently Continental GTC
Nissan Xterra BMW M6
Ford Edge BMW 6 Series

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years