6 Discounts Kissimmee Drivers Forget when Quoting Car Insurance

Searching for the most affordable Kissimmee car insurance on the internet can seem to be rather challenging for consumers new to comparing rates online. Because there are so many choices, how can you even start to compare the different rates to find the cheapest available price?

Finding affordable coverage in Kissimmee is quite easy. In a nutshell, anyone who has to buy car insurance stands a good chance to be able to reduce their rates. Nevertheless, Florida car owners do need to know the way insurance companies determine prices and use this information to your advantage.

How much can you save with these six discounts?

Companies offering auto insurance don't always advertise all available discounts very clearly, so we break down some of the more common as well as the least known car insurance savings.

  • Defensive Driving Course - Taking part in a driver safety course could cut 5% off your bill if you qualify.
  • 55 and Retired - If you qualify as a senior citizen, you can possibly qualify for a discount up to 10%.
  • Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Auto/Home Discount - If you have multiple policies with one company you could get a discount of approximately 10% to 15%.
  • Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to enroll in driver's education in high school.

Consumers should know that most credits do not apply to the overall cost of the policy. Some only apply to individual premiums such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, companies don't profit that way.

car insurance in Kissimmee

How much car insurance do I need?

When it comes to buying adequate coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Everyone's situation is a little different.

For example, these questions may help you determine if your insurance needs would benefit from professional advice.

  • Should I rate my vehicle as pleasure use or commute?
  • Should I buy additional glass protection?
  • Are my tools covered if they get stolen from my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?
  • Do I have coverage for damage caused while driving under the influence?
  • Who is covered when they drive my vehicle?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Save 15 percent in 15 minutes? Is it for real?

21st Century, Allstate and State Farm regularly use television and radio advertisements. All the companies say the same thing of big savings if you move your policy. How does each company make the same claim?

All the different companies have a preferred profile for the right customer that earns them a profit. For example, a profitable customer could be a mature driver, insures multiple vehicles, and drives newer vehicles. Any new insured who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't meet these standards must pay higher prices which usually ends up with business going elsewhere. The ad wording is "customers that switch" but not "drivers who get quotes" save that kind of money. This is how insurance companies can confidently claim big savings. This illustrates why you should get a wide range of price quotes. It's just too difficult to predict which insurance companies will give you the biggest savings.

More sites with car insurance information

More tips and info about car insurance can be found at the Florida Office of Insurance Regulation website. Consumers can discover disciplinary actions, learn about insurance regulations, and view a list of available companies.

Also read more on this resource for Florida car insurance prices and this link which helps you find a Kissimmee agent.

Kissimmee car insurance comparison

Shop smart and save

Cost effective car insurance is possible from both online companies in addition to many Kissimmee insurance agents, and you need to price shop both so you have a total pricing picture. A few companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When trying to cut insurance costs, make sure you don't buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to regret that it was a big mistake. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Consumers who switch companies do it for a number of reasons such as delays in responding to claim requests, denial of a claim, unfair underwriting practices and even policy non-renewal. It doesn't matter what your reason, choosing a new insurance company is less work than it seems.