Searching for the cheapest insurance rates in Maitland, FL? Scraping up a payment for expensive insurance in Maitland can drain your accounts and maybe even restrict other spending. Getting a rate comparison is free and is an excellent way to make sure you're not throwing money away.

Shocking but true, a large majority of drivers have purchased from the same company for over three years, and 38% of drivers have never quoted insurance rates at all. Most drivers in Florida can save hundreds of dollars each year, but they don't want to take the time to compare rates.

Big companies like Allstate, Progressive and GEICO constantly bombard you with fancy advertisements and it is difficult to ignore the flashy ads and do the work needed to find the best deal.

When looking for inexpensive Maitland auto insurance quotes, there are a couple ways to get quotes from lots of Florida insurance companies. By far the easiest way to compare insurance prices consists of obtaining rate quotes online.

Doing online quotes comparisons is so easy that it makes it obsolete to make phone calls or go to different agent offices. Comparing insurance rates online eliminates the need for an insurance agent unless you're the type of person who wants the extra assistance that only a licensed agent can provide. Although, it is possible find lower rates online and get advice from an agent in your area. Just keep in mind that having more price comparisons helps improve the odds of finding lower pricing. Not every company provides online rate quotes, so it's necessary to compare rates from the smaller companies as well.

The companies shown below are ready to provide free quotes in Florida. If multiple companies are shown, it's highly recommended you visit several of them to get the best price comparison.

Insurance Price Estimates for Popular Vehicles in Maitland
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT 2WD $1,108 $554 $92
Chevrolet Silverado LT Crew Cab 4WD $1,778 $889 $148
Dodge Ram Crew Cab Sport 2WD $1,690 $845 $141
Ford Escape XLS 2WD $1,188 $594 $99
Ford F-150 Lariat Crew Cab Platinum 4WD $1,404 $702 $117
Ford Focus SES 4-Dr Sedan $1,310 $655 $109
Honda Accord EX-L 4-Dr Sedan $1,200 $600 $100
Honda CR-V LX 2WD $1,188 $594 $99
Honda Civic LX 2-Dr Coupe $1,522 $761 $127
Honda Odyssey EX-L $1,022 $511 $85
Jeep Wrangler Sahara 4WD 2-Dr $1,248 $624 $104
Kia Optima SX $1,234 $617 $103
Nissan Altima 3.5 SR 2-Dr Coupe $1,770 $885 $148
Toyota Camry XLE $1,168 $584 $97
Toyota Corolla LE $1,548 $774 $129
Toyota Prius $1,404 $702 $117
Toyota RAV4 Limited 4WD $1,258 $629 $105
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,464 $732 $122
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in Maitland location which can affect premium rates greatly.

Physical damage deductibles

One of the hardest decisions when shopping for car insurance is which deductibles should you choose. The rates below help summarize the cost difference when you select higher and lower deductibles. The first data set uses a $250 physical damage coverage deductible and the second price chart uses a $500 deductible.

Ford Escape rates are for example purposes only. To get rates for your specific vehicle, click here.

Ford Escape insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $280 $446 $354 $20 $106 $1,231 $103
Escape XLS 4WD $280 $446 $354 $20 $106 $1,231 $103
Escape XLT 2WD $280 $446 $354 $20 $106 $1,231 $103
Escape Limited 2WD $322 $446 $354 $20 $106 $1,273 $106
Escape XLT 4WD $322 $446 $354 $20 $106 $1,273 $106
Escape Limited 4WD $322 $544 $354 $20 $106 $1,371 $114
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Ford Escape insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $228 $360 $354 $20 $106 $1,068 $89
Escape XLS 4WD $228 $360 $354 $20 $106 $1,068 $89
Escape XLT 2WD $228 $360 $354 $20 $106 $1,068 $89
Escape Limited 2WD $262 $360 $354 $20 $106 $1,102 $92
Escape XLT 4WD $262 $360 $354 $20 $106 $1,102 $92
Escape Limited 4WD $262 $438 $354 $20 $106 $1,180 $98
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rates do not factor in vehicle garaging location which can modify auto insurance rates substantially.

We can derive from the above data that using a $250 deductible costs an average of $14 more each month or $168 annually than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 18 months between claims, you would come out ahead going with the higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $106
Average monthly premium for $500 deductibles (subtract): - $92
Monthly savings from raising deductible: $14
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

An important sidenote is that raising deductibles to save money results in a higher out-of-pocket expense if you have a claim. That will force you to have some savings in the event you have to pay more to get your vehicle repaired.

Car insurance cost for men versus women

The diagram below illustrates the difference between insurance costs for male and female drivers in Maitland. The prices are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, single marital status, and no discounts are factored in on a Ford Focus SE.

Ford Focus rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Buying auto insurance from Maitland insurance agents

Some people still like to talk to a local agent and that is just fine! One of the great benefits of getting online price quotes is you may find lower rates and still choose a local agent. Putting coverage with local insurance agents is important particularly in Maitland.

Maitland insurance agentsTo make it easy to find an agent, after completing this short form, your coverage information is sent to insurance agents in Maitland who will give you quotes to get your business. You won't need to contact any agents since price quotes are sent instantly to you. You'll get the best rates AND an agent nearby. In the event you want to compare prices from a specific auto insurance provider, just navigate to their website and submit a quote form there.

If you are searching for a reputable insurance agent or broker, you need to know there are two different types of agents and how they can quote your rates. Auto insurance agencies can be classified as either independent or exclusive depending on the company they work for.

Independent Auto Insurance Agents (or Brokers)

Agents of this type do not write with just one company and that gives them the ability to insure with multiple insurance companies and get you the best rates possible. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part. When shopping rates, it's a good idea to include rate quotes from several independent insurance agents to have the best price comparison.

Exclusive Agents

These type of agents can only provide pricing for a single company and some examples include Farmers Insurance, Allstate, or State Farm. They generally cannot compare rates from other companies so they have to upsell other benefits. They are very knowledgeable on their company's products which helps them compete with independent agents.

Deciding on an car insurance agent should include more criteria than just the price. These are some valid questions you should ask.

Once you have good answers as well as an affordable premium quote, it's possible that you found an insurance agency that can be trusted to insure your vehicles. But keep in mind you can always cancel coverage whenever you choose to so don't assume that you are permanently stuck with the auto insurance policy for the full term.