Unimaginable but true, most consumers in Florida renewed their policy with the same company for a minimum of four years, and almost 40% of drivers have never even compared rates from other companies. U.S. insurance shoppers could pocket up to $850 a year, but they just assume it’s a time-consuming process to do a rate comparison.
It takes a few minutes, but the best way to get cheaper auto insurance rates in Orlando is to compare quotes annually from insurers who can sell car insurance in Florida.
- Try to understand how companies price auto insurance and the measures you can take to keep rates low. Many factors that result in higher rates like speeding tickets, careless driving and a bad credit score can be controlled by being financially responsible and driving safely.
- Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive or State Farm, while independent agencies can give you price quotes for a wide range of companies.
- Compare the new rate quotes to the price on your current policy to see if you can save by switching companies. If you find better rates and make a switch, make sure coverage does not lapse between policies.
- Give proper notification to your current agent or company of your decision to cancel your existing policy. Submit the application along with any required down payment to your new agent or company. When you receive it, put the new proof of insurance paperwork in an easily accessible location.
An important part of this process is that you’ll want to compare similar limits and deductibles on each quote request and and to get price estimates from every insurance company. This ensures an accurate price comparison and the best price quote selection.
If you have a current car insurance policy, you will surely be able to cut your premiums using this information. Quoting and comparing affordable car insurance coverage in Orlando is quite easy. Nevertheless, Florida car owners can benefit from knowing the way companies charge you for coverage and use it to your advantage.
Best companies for affordable Land Rover LR2 insurance in Florida
The companies shown below have been selected to offer free quotes in Florida. To find the best cheap auto insurance in Orlando, we recommend you click on several of them to get the cheapest price.
Auto insurance analysis for a Land Rover LR2
The coverage table displayed below outlines different coverage costs for Land Rover LR2 models. Understanding how insurance policy rates are established can help you make decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR2 | $278 | $496 | $564 | $34 | $168 | $1,540 | $128 |
| LR2 HSE | $278 | $496 | $564 | $34 | $168 | $1,540 | $128 |
| LR2 HSE Luxury | $278 | $496 | $564 | $34 | $168 | $1,540 | $128 |
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in your specific Orlando location which can change auto insurance rates noticeably.
Higher deductibles lower rates
One common question asked by Orlando drivers is how high should the deductibles for physical damage be. The following tables show the difference in cost of buying low and high physical damage deductibles. The first rate table uses a $250 physical damage deductible and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR2 | $406 | $640 | $418 | $24 | $124 | $1,637 | $136 |
| LR2 HSE | $406 | $640 | $418 | $24 | $124 | $1,637 | $136 |
| LR2 HSE Luxury | $406 | $640 | $418 | $24 | $124 | $1,637 | $136 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR2 | $330 | $516 | $418 | $24 | $124 | $1,412 | $118 |
| LR2 HSE | $330 | $516 | $418 | $24 | $124 | $1,412 | $118 |
| LR2 HSE Luxury | $330 | $516 | $418 | $24 | $124 | $1,412 | $118 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Prices do not factor in your specific Orlando location which can change prices greatly.
Based on this data, using a $250 deductible will cost you roughly $18 more each month or $216 each year than choosing the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at least 14 months between claims, you would come out ahead going with the higher deductible.
How to calculate if higher deductibles make sense
| Average monthly premium for $250 deductibles: | $136 |
| Average monthly premium for $500 deductibles (subtract): | – $118 |
| Monthly savings from raising deductible: | $18 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $18 |
| 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 raising deductibles means you will have to cover more of the damage yourself when you have a physical damage claim. You must have enough money stashed away in order to pay the deductible.
The information below shows how choosing a deductible and can impact Land Rover LR2 yearly insurance costs for different age groups of insureds. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Gender-based auto insurance rates
The information below illustrates the comparison of Land Rover LR2 insurance rates for male and female drivers. The information is based on no claims or driving citations, full physical damage coverage, $100 deductibles, single status, and no discounts are taken into consideration.
Earn discounts on Orlando car insurance
Car insurance is not cheap, but there could be available discounts to reduce the price significantly. Certain discounts will be applied when you purchase, but some must be asked about in order for you to get them.
- Distant Student – Older children who live away from home at college and don’t have a car may qualify for this discount.
- Homeowners Savings – Being a homeowner may trigger a policy discount on car insurance since owning and maintaining a home requires personal responsibility.
- Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. Many companies even apply the discount to college students up until you turn 25.
- Government Employee Discount – Having worked for a branch of the government could provide a small rate reduction but check with your company.
- Savings for New Vehicles – Adding a new car to your policy may earn a small discount because new model year vehicles are generally safer.
As a sidenote, some credits don’t apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it appears it’s possible to get free car insurance, companies don’t profit that way.
The information below illustrates the difference between Land Rover LR2 insurance prices with and without discounts. Data assumes a female driver, no claims or driving citations, Florida state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, multi-car, safe-driver, homeowner, and marriage discounts applied.
To view insurance companies with significant discounts in Florida, click this link.
How Insurance Providers Calculate Land Rover LR2 Insurance Rates
Multiple criteria are used in the calculation when you get a price on insurance. Some are obvious such as traffic violations, but others are less obvious such as your marital status or your commute time. Consumers need to have an understanding of the rating factors that help determine auto insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you lower rates.
Vehicle theft costs us all – Buying a car that has a built-in theft deterrent system can get you a discount on your auto insurance. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent your car from being stolen.
Bundling policies can get discounts – Most insurers apply a discount to clients that purchase more than one policy. It’s known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. If you currently are using one company, drivers will still want to compare Land Rover LR2 rates in Orlando to guarantee you are still saving the most.
Too many policy claims drive up auto insurance rates – Insurance companies in Florida provide lower rates to drivers who only file infrequent claims. If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Auto insurance is intended for claims that pose a financial burden.
High performance vehicles cost more to insure – The performance level of the vehicle you need to insure makes a big difference in your premium level. The best insurance prices are generally reserved for lower cost passenger cars, but many other things help determine your insurance rates.
The following data uses these assumptions: single male driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Land Rover LR2 rates compared to other models that have a range of performance rating factors.
A good credit rating can save money – Having a bad credit score factor in determining your rates. People that have very good credit scores tend to file fewer claims as compared to drivers with poor credit scores. So if your credit history could use some work, you could save money insuring your Land Rover LR2 if you clean up your credit.
Higher prices for specific occupations – Do you work in a high-stress field? Careers such as doctors, social workers, and stock brokers tend to have higher premium rates due to intense work requirements and lengthy work days. Other occupations such as actors, engineers and homemakers pay lower than average rates.
Drive lots and pay more – Driving a lot of miles annually the more it will cost to insure it. Almost all companies calculate prices partially by how you use the vehicle. Autos that do not get driven very much qualify for better rates than vehicles that are driven to work every day. Double check that your auto insurance coverage shows the correct driver usage, because improper ratings can cost you money. A policy that improperly rates your LR2 can cost quite a bit.
Land Rover LR2 historical loss data – Insurance companies analyze historical claim data to help calculate premium prices. Models that the data shows to have higher frequency or amount of claims will have higher rates. The table below demonstrates the insurance loss data used by companies for Land Rover LR2 vehicles.
For each insurance policy coverage type, the claim amount for all vehicles, as an average, is considered to be 100. Numbers under 100 suggest losses that are better than average, while values that are 100 or greater indicate a higher chance of having a claim or larger claims.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Land Rover LR2 4dr 4WD | 115 | 162 | 99 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance is available from local agents
Certain consumers would prefer to buy from a licensed agent and that is just fine! The best thing about getting free rate quotes online is you may find the lowest rates and still buy from a local agent. And buying from neighborhood agents is important especially in Orlando.
After completing this short form, your information is immediately sent to agents in your area that can give you free Orlando car insurance quotes for your business. You don’t have to find an agent on your own as quotes are delivered to the email address you provide. You’ll get the best rates and a licensed agent to talk to. If you wish to get a price quote from a specific insurance provider, you just need to navigate to their website to submit a rate quote request.
When narrowing the list to find a local Orlando insurance agent, it’s important to understand the different agency structures and how they differ in how they can insure your vehicles. Agents can be classified as either exclusive or independent.
Independent Insurance Agents
These type of agents are not required to write business for one company so they have the ability to put coverage with any number of different companies and find the cheapest insurance rates. If they quote lower rates, they simply move your policy to a different company which makes it simple for you.
If you are comparing insurance prices, we recommend you contact several independent agencies to get the most accurate price comparison. Most also have access to lesser-known insurance companies that may provide cheaper insurance rates.
Below is a list of independent agencies in Orlando who may provide free price quotes.
- JCJ Insurance Agency LLC
2208 Hillcrest St – Orlando, FL 32803 – (321) 445-1117 – View Map - National Insurance Agencies
1005 N Pine Hills Rd – Orlando, FL 32808 – (407) 480-5521 – View Map - Gingerbread Insurance Agency
8000 S Orange Ave #201 – Orlando, FL 32809 – (407) 309-9949 – View Map
Exclusive Insurance Agencies
These agents write business for a single company and examples are Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to provide prices from multiple companies so it’s a take it or leave it situation. They receive extensive training on their company’s products which helps overcome the inability to quote other rates. Many people use the same agent primarily because of the brand legacy instead of buying on price only.
Listed below is a short list of exclusive agents in Orlando who can help you get price quotes.
- Rick Fowler – State Farm Insurance Agent
2700 Corrine Dr – Orlando, FL 32803 – (407) 897-8100 – View Map - Lorenzo Hayward – State Farm Insurance Agent
5218 W Colonial Dr – Orlando, FL 32808 – (407) 299-4642 – View Map - Helen Tallon – State Farm Insurance Agent
2813 S Hiawassee Rd #107 – Orlando, FL 32835 – (407) 522-9700 – View Map
Finding a good auto insurance agent shouldn’t rely on just a low price. Agents should be asked these questions:
- Is vehicle damage repaired with OEM or aftermarket parts?
- If you have an accident, will your rates go up?
- How does the company pay claims for a total loss?
- What is their Better Business Bureau rating?
- Is the agency active in community causes in Orlando?
- Do the coverages you’re quoting properly cover your vehicle?
- Do they receive special compensation for putting your coverage with one company over another?
One last thing to lower rates
When shopping online for car insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced liability coverage limits only to discover later they didn’t have enough coverage. The goal is to purchase a proper amount of coverage at the best possible price while not skimping on critical coverages.
There are still a few companies who may not have online quoting and these smaller providers sell through local independent agents. Affordable Land Rover LR2 insurance in Orlando is definitely available from both online companies as well as from insurance agents, and you need to comparison shop both to have the best selection.
We just presented a lot of ways to reduce Land Rover LR2 insurance rates online in Orlando. The key concept to understand is the more times you quote, the higher your chance of finding inexpensive Orlando car insurance quotes. Drivers may even discover the lowest rates come from some of the smallest insurance companies.
To learn more, feel free to visit the resources below:
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance Quotes for a Dodge Ram in Orlando? (FAQ)
- How Much are Auto Insurance Quotes for Drivers with Good Credit in Orlando? (FAQ)
- Who Has Affordable Auto Insurance for First-time Drivers in Orlando? (FAQ)
- Who Has Affordable Auto Insurance for a Toyota Tacoma in Orlando? (FAQ)
- Who Has the Cheapest Orlando Auto Insurance Quotes for a Ford F-150? (FAQ)
- Who Has the Cheapest Auto Insurance for a Honda Civic in Orlando? (FAQ)
- What is the Best Auto Insurance in Orlando, FL? (FAQ)
- Think You’re a Safe Driver? (State Farm)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Frontal Crash Tests (iihs.org)