Finding the Best Car Insurance Quotes in Kissimmee, FL

If you live in Kissimmee, Florida and need to purchase or renew auto insurance, getting quotes from multiple top providers is key to finding the right coverage at the lowest price. Kissimmee sits right outside of Orlando and rates can vary widely among insurers in the area.

This guide explains how to get car insurance quotes in Kissimmee, key coverage options, average costs, tips for saving, and the top local providers to consider.

How to Get Car Insurance Quotes in Kissimmee

Getting rate estimates from different insurance companies is the best way to find affordable auto insurance in Kissimmee. Here are some tips for getting free quotes:

Use online quote tools – Most major insurers like GEICO, State Farm, and Progressive have online quoting tools on their websites. Just enter your basic info like age, vehicle, and driving history to see quotes.

Work with an agent – Local independent insurance agents can provide customized quotes they source from multiple insurers. No obligation to purchase.

Call providers directly – You can call insurers’ customer service lines directly and speak to an agent who can provide verbal quotes over the phone.

Compare quote aggregator sites – Sites like TheZebra and Gabi allow you to enter your info once and view quotes from up to 10+ auto insurance providers at the same time.

Be sure to compare the same coverage types, limits, and deductibles when evaluating quotes across providers for the most accurate rate comparisons.

Key Types of Auto Insurance Coverage in Florida

Florida requires drivers to carry at least the following minimum liability coverage:

• $10,000 Bodily Injury Liability per person
• $20,000 Bodily Injury Liability per accident
• $10,000 Property Damage Liability

However, experts recommend getting more than just the minimums for better protection. Here are some key types of auto insurance coverage to consider:

Comprehensive – Covers damage to your vehicle from incidents other than collisions, like weather, theft, vandalism, or fire.

Collision – Covers repairs to your vehicle after an accident with another car or object.

Uninsured/Underinsured Motorist – Protects you if you’re hit by a driver with no or insufficient insurance.

Medical Payments – Helps pay medical expenses for you and passengers injured in an accident, regardless of fault.

Rental Reimbursement – Provides a rental car while your vehicle is being repaired after a covered loss.

Compare quotes with the same coverage types and limits for the most accurate rate comparisons.

Average Cost of Car Insurance in Kissimmee, FL

Auto insurance rates can vary dramatically by individual driver based on factors like age, driving record, vehicle, and credit score. However, the table below shows the average estimated annual premiums in the Kissimmee area:

Insurers consider drivers in the Orlando metro area higher risk than other parts of Florida, which leads to higher average premiums. Full coverage for Florida drivers averages around $1,450 statewide.

Get personalized quotes to see the auto insurance rates specific to your situation. Having at least 5-10 quotes allows you to better identify the cheapest pricing available.

Tips for Finding the Cheapest Car Insurance in Kissimmee

Besides comparing quotes from multiple insurers, here are some other ways to find affordable auto insurance rates in Kissimmee:

• Maintain good credit – Insurers use credit-based scores as a rating factor and good credit can lead to significant discounts.

• Ask about discounts – Take advantage of every discount you qualify for like multi-policy, safe driver, good student, anti-theft devices, etc.

• Consider usage-based programs – These use a telematics device or app to measure driving habits and offer lower rates for safe driving.

• Raise deductibles – Opting for higher deductibles reduces premiums but means you pay more out-of-pocket on claims.

• Limit mileage – Inform your insurer if you drive very low annual miles to see if a low mileage discount is available.

• Improve driving record – Avoid accidents, traffic violations, and DUI/DWIs which can significantly increase your insurance rates.

Shopping around for quotes and maximizing discounts are surefire ways to save on Kissimmee auto insurance premiums.

Top Providers for Kissimmee, FL Car Insurance Quotes

While quotes vary by driver, the insurance companies below tend to offer competitive average rates in the Kissimmee and greater Orlando area:

GEICO

• Second largest U.S. auto insurer
• Rate quotes available online or by phone
• Numerous policy discounts
• Award-winning mobile app
• 4.5 out of 5 rating on Trustpilot

State Farm

• Largest auto and home insurer in the U.S.
• 19,000 local agent offices for personalized service
• Competitive rates plus multi-policy discounts
• Consumer rating of 4.5 out of 5 stars

Progressive

• Third biggest U.S. auto insurer
• Quotes available online or by phone 24/7
• Usage-based “Snapshot” program can save up to 30%
• Concierge service for claims help by phone or in person

Direct Auto

• Specializes in affordable coverage for high-risk drivers
• Over 125 local insurance agency locations across Florida
• Monthly payment plans and low down payment options
• Provides required FR-44 and SR-22 Filings

Infinity Auto Insurance

• Part of Kemper Corporation with 85+ years of experience
• Discount programs like multi-car and multi-policy
• Online quotes, policy service, and claims help
• Highly rated for customer service satisfaction

Make sure to compare quotes from national insurers, specialty providers and smaller regional companies to find the best rate. An independent agent can simplify the process by providing multiple quotes in one place.

Compare Quotes from Kissimmee Car Insurance Agencies

In addition to getting quotes online, many drivers prefer a local touch. Here are some top rated independent insurance agencies in the Kissimmee area to consider:

• Bravo Insurance Services
• Florida Auto Insurance | Acentria Insurance
• Alamo Insurance Agency
• Rafael Ramirez Tagle – State Farm Insurance Agent
• Smart Choice Auto Insurance Kissimmee

Visit agency websites for contact info or read reviews to learn about their customer service. An independent local broker shops rates among multiple insurers and provides one-on-one guidance – and often at no additional cost to you.

Get Started Comparing Kissimmee Car Insurance Quotes

Whether you choose to get quotes online, over the phone, or in person through a local agency, make sure to compare rates from at least 5-10 different insurance providers in the Kissimmee area. Rates for the same driver can vary by hundreds of dollars between insurance companies.

Look at all available discounts, coverage options and policy benefits as you compare quotes. Reaching out to providers directly or using quote comparison sites makes it quick and easy to find the best car insurance rates in Kissimmee, FL for your specific situation.