Would you like to find more competitive insurance rates in Winter Park, FL? Winter Park drivers have options when trying to find low-cost car insurance. You can either spend your time contacting agents to get rate comparisons or leverage the internet to compare rates.

There are more efficient ways to buy insurance and you need to know the quickest way to get price quotes on a and get the lowest possible price from both online companies and Winter Park agents.

How to get the cheapest car insurance in Winter Park, Florida

Most companies allow consumers to get coverage price quotes directly from their websites. Getting car insurance prices online is quite easy because you just enter your coverage preferences as requested by the quote form. Upon sending the form, the company's rating system obtains credit information and your driving record and generates a price based on these and other factors.

This makes comparing rates easy, and it is imperative to perform this step in order to find affordable prices.

If you want to get comparison pricing now, take a look at the companies shown below. If you have coverage now, it's recommended you complete the form with the coverages exactly as shown on your declarations page. This guarantees you're receiving rate comparison quotes based on similar coverages.

The providers in the list below provide free rate quotes in Florida. If multiple companies are listed, we recommend you visit two to three different companies to get a more complete price comparison.

Insurance Cost Estimates for Popular Vehicles in Winter Park
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado LS Crew Cab 4WD $1,512 $756 $126
Dodge Ram Crew Cab TRX 4WD $1,616 $808 $135
Ford Escape XLT 2WD $1,206 $603 $101
Ford F-150 XL Crew Cab 4WD $1,440 $720 $120
Ford Focus SES 2-Dr Coupe $1,604 $802 $134
Honda Accord LX-P 4-Dr Sedan $1,110 $555 $93
Honda CR-V EX-L 4WD $1,084 $542 $90
Honda Civic LX 2-Dr Coupe $1,348 $674 $112
Honda Odyssey Touring $1,614 $807 $135
Hyundai Sonata GLS 4-Dr Sedan $1,506 $753 $126
Kia Optima EX $1,580 $790 $132
Nissan Altima Hybrid 4-Dr Sedan $1,512 $756 $126
Nissan Rogue SL 2WD $1,248 $624 $104
Toyota Camry XLE $1,344 $672 $112
Toyota Corolla XLE $1,022 $511 $85
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in specific Winter Park garaging location which can alter coverage prices noticeably.

Physical damage deductibles

One of the most common auto insurance questions is which comprehensive and collision deductibles to buy. The comparisons below summarize how much more you'll pay between high and low comp and collision deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.

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

Chevrolet Malibu insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $322 $544 $418 $24 $124 $1,457 $121
Malibu Hybrid $322 $544 $418 $24 $124 $1,457 $121
Malibu LT $364 $544 $418 $24 $124 $1,499 $125
Malibu LTZ $364 $640 $418 $24 $124 $1,595 $133
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Chevrolet Malibu insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Malibu LS $200 $342 $418 $24 $124 $1,108 $92
Malibu Hybrid $200 $342 $418 $24 $124 $1,108 $92
Malibu LT $224 $342 $418 $24 $124 $1,132 $94
Malibu LTZ $224 $402 $418 $24 $124 $1,192 $99
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise premiums considerably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $31 more each month or $372 a year than quoting the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 24 months between claim filings, you would most likely save money by selecting a higher deductible.

Premiums by gender and age

The illustration below illustrates the difference between insurance costs for male and female drivers in Winter Park. The rates are based on no violations or claims, comprehensive and collision coverage, $500 deductibles, marital status is single, and no other discounts are factored in on a Toyota Camry Hybrid.

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

Buying from car insurance agents

Some consumers would rather talk to a local agent and we recommend doing that Experienced insurance agents are trained to spot inefficiencies and give you someone to call. The biggest benefit of comparing rate quotes online is the fact that drivers can get cheap insurance rates but also keep your business local. Putting coverage with neighborhood agents is important particularly in Winter Park.

To make it easy to find an agent, after completing this simple form, your insurance data is immediately sent to participating agents in Winter Park who will return price quotes for your insurance coverage. It simplifies rate comparisons since you won't have to drive around as quotes are delivered to you directly. If you want to get a comparison quote from one company in particular, you can always search and find their rate quote page and give them your coverage information.

Finding a good company should include more criteria than just the quoted price. Any agent in Winter Park should have no problem answering these questions: