As a wife and mother of four children, finding affordable car insurance is always at the top of my to-do list. With a mix of young and experienced drivers in the household, it can be a challenge to find the best rates that fit our family’s needs. Living in Lake Mary, FL, we are fortunate to have a variety of insurance companies to choose from, but comparing quotes can be overwhelming. In this article, I will share my experience in comparing quotes from the best insurance companies in Lake Mary, FL, and provide insights into how we manage insurance for our family’s six vehicles.
When it comes to finding cheap car insurance in Lake Mary, FL, it’s essential to compare quotes from multiple insurance carriers. To make the process easier, I decided to compare five national insurance carriers: State Farm, Allstate, Geico, Progressive, and USAA. Each of these companies offers competitive rates and a variety of coverage options, making them popular choices for families like mine.
State Farm is known for its personalized service and comprehensive coverage options. On average, their annual insurance premium costs for our vehicles ranged from $1,200 to $1,500. Allstate, another popular choice, offers competitive rates and discounts for safe drivers. Their average annual premium costs were similar to State Farm, ranging from $1,100 to $1,400.
Geico is a well-known name in the insurance industry, offering affordable rates and convenient online services. Their average annual premium costs for our vehicles were slightly lower, ranging from $1,000 to $1,300. Progressive is another popular choice for families, with competitive rates and a variety of discounts. Their average annual premium costs were comparable to Geico, ranging from $1,000 to $1,300.
Lastly, USAA is a great option for military families, offering exclusive discounts and exceptional customer service. Their average annual premium costs for our vehicles were some of the lowest, ranging from $800 to $1,200. Overall, each of these insurance carriers offers competitive rates and excellent coverage options, making it easier to find cheap car insurance in Lake Mary, FL.
In our household, we own six vehicles, each serving a specific purpose for our family’s needs. Our primary family vehicle is a minivan, perfect for transporting our four children to school and extracurricular activities. We also have a sedan for daily commutes to work, a SUV for weekend road trips, a truck for hauling materials for home projects, a sports car for date nights, and a classic car for weekend cruises.
When it comes to maintaining and insuring our vehicles, we prioritize safety and reliability. Our minivan and sedan are the most expensive to insure due to their higher value and usage, costing an average of $1,500 each per year. Our SUV and truck are next in line, with average annual insurance costs of $1,200 each. Our sports car and classic car are the least expensive to insure, costing an average of $1,000 each per year.
In addition to insurance costs, we also consider maintenance expenses when budgeting for our vehicles. Our minivan and sedan require regular oil changes, tire rotations, and brake inspections, costing an average of $500 each per year. Our SUV and truck have higher maintenance costs due to their larger size and towing capabilities, costing an average of $700 each per year. Our sports car and classic car are the most expensive to maintain, with average annual costs of $1,000 each.
When it comes to auto insurance, there are several issues that are sometimes forgotten but important to consider. One issue that often gets overlooked is the importance of uninsured/underinsured motorist coverage. This coverage protects you in the event that you are involved in an accident with a driver who does not have insurance or enough insurance to cover your damages. It’s essential to have this coverage to ensure that you are protected in case of an accident.
Another often forgotten issue is the impact of your credit score on your insurance rates. Many insurance companies use credit scores as a factor in determining your premium costs, so it’s important to maintain a good credit score to qualify for the best rates. By paying bills on time and keeping credit card balances low, you can improve your credit score and potentially lower your insurance costs.
It’s also important to review your coverage limits regularly to ensure that you have adequate protection in the event of an accident. If you have made significant changes to your lifestyle, such as getting married, having children, or purchasing a new home, it’s crucial to update your coverage to reflect these changes. By working with your insurance agent to review your policy annually, you can make sure that you have the right coverage for your current needs.
Another important issue to consider is the impact of your driving record on your insurance rates. Traffic violations and accidents can significantly increase your insurance costs, so it’s important to practice safe driving habits and avoid speeding tickets and other infractions. By maintaining a clean driving record, you can qualify for discounts and lower rates from insurance companies.
It’s also essential to consider the type of coverage you need for each of your vehicles. For newer vehicles, comprehensive and collision coverage can provide additional protection in the event of an accident or theft. For older vehicles, liability coverage may be sufficient to meet your needs and save you money on insurance costs. By working with your insurance agent to determine the right coverage for each of your vehicles, you can ensure that you are adequately protected without overpaying for unnecessary coverage.
Lastly, it’s important to shop around for the best rates and discounts when renewing your auto insurance policy. Many insurance companies offer discounts for safe driving, bundling multiple policies, and insuring multiple vehicles. By comparing quotes from multiple carriers and taking advantage of discounts, you can save money on your insurance costs and find the best coverage for your family’s needs.
In conclusion, finding cheap car insurance in Lake Mary, FL is possible with the right research and comparison of insurance carriers. By comparing quotes from State Farm, Allstate, Geico, Progressive, and USAA, you can find competitive rates and coverage options that fit your family’s needs. By considering the maintenance costs of your vehicles and addressing sometimes forgotten issues like uninsured motorist coverage, credit scores, and coverage limits, you can ensure that you have the right coverage at the best rates. By working with your insurance agent to review your policy annually and shop around for discounts, you can save money on your insurance costs and protect your family on the road.
* This article was originally published here