Oviedo, FL Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Oviedo, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Oviedo, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Oviedo, FL Auto Insurance Rates
- Oviedo, FL Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Oviedo, FL
- Multi Vehicle Insurance Savings in Oviedo, FL
- How Credit Score Affects Car Insurance Rates in Oviedo, FL
- How DUI Affects Auto Insurance Premiums in Oviedo, FL
- Top Auto Insurance Agents Near Oviedo, FL
- How Driving Violations Affect Auto Insurance Rates in Oviedo, FL
- Oviedo, FL Auto Insurance Discounts on Anti Theft Feature
- Oviedo, FL Auto Insurance Company Reviews
Oviedo, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Oviedo, FL with that of other cities in and around Oviedo.
| Oviedo | Chuluota | Winter Springs | Goldenrod | Bithlo | Black Hammock | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,324 | $2,152 | $1,316 | $2,155 | $2,184 | $2,370 |
Oviedo, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Oviedo, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Seminole County | $1,102 | $931 |
| Oviedo | $1,545 | $1,305 |
| Black Hammock | $1,452 | $1,227 |
| Geneva | $1,597 | $1,349 |
| Chuluota | $1,025 | $866 |
| Winter Springs | $1,066 | $900 |
| Bithlo | $956 | $807 |
| Goldenrod | $2,025 | $1,710 |
Oviedo, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Oviedo, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,296 |
| 20 Years | $1,701 |
| 30 Years | $1,310 |
| 40 Years | $1,261 |
| 50 Years | $1,167 |
| 60 Years | $1,184 |
| 70 Years | $1,378 |
Oviedo, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Oviedo, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,304 | $344 |
| 3 Vehicles | $3,456 | $516 |
| 4 Vehicles | $4,608 | $688 |
Savings on 2 Vehicles bundle:$344
Savings on 3 Vehicles bundle:$516
Savings on 4 Vehicles bundle:$688
Oviedo, FL Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Oviedo, FL.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Seminole County | $1,155 | $1,808 |
| Oviedo | $1,324 | $2,072 |
| Black Hammock | $2,370 | $3,709 |
| Geneva | $2,316 | $3,625 |
| Chuluota | $2,152 | $3,368 |
| Winter Springs | $1,316 | $2,060 |
| Bithlo | $2,184 | $3,418 |
| Goldenrod | $2,155 | $3,373 |
Oviedo, FL Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,136 |
| Excellent (740-799) | $1,297 |
| Good (670-739) | $1,380 |
| Average (580-669) | $1,800 |
| Poor (300-579) | $2,160 |
Oviedo, FL Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Rob Cole | Allstate | 1327 Winter Springs Blvd, Winter Springs, 32708 | (407) 977-4640 |
| R. Lee Atkins Jr. | Allstate | 7567 University Blvd, Winter Park, 32792 | (407) 657-7500 |
| Fred Franz | State Farm | 561 E Mitchell Hmk Rd Ste 100, Oviedo, 32765-5526 | 407-366-2225 |
| John Feirick Insurance | None | 2100 Alafaya Trl Ste 110, Oviedo, 32765 | None |
| American Auto Insurance | Travelers | 1759 WEST BROADWAY STE 2, OVIEDO, 32765 | 407-366-7050 |
| All Florida Insurance Of Central Florida | Travelers | 3228 W Sr 426 Ste 1032 , Oviedo, 32765 | None |
| The Wurzel Insurance Agency | Travelers | 1942 W Cr 419 Ste 1000, Oviedo, 32766 | None |
| Brown & Brown Of Florida, Inc. | None | 7341 Office Park Place Ste 202A , Melbourne, 32940 | None |
Oviedo, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$58 | $1,382 |
| Driver's Failure In Showing Documents | +$128 | $1,452 |
| Driving With An Expired Registration | +$136 | $1,460 |
| Driving At A Considerably Slow Pace | +$287 | $1,611 |
| Using A Cellphone While Driving | +$303 | $1,627 |
| Running A Red Light | +$308 | $1,632 |
| Speeding | +$324 | $1,648 |
| Driving A Vehicle Without The Required Permission | +$412 | $1,736 |
| Driving With An Expired/Suspended License | +$892 | $2,216 |
Oviedo, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,271 |
| Active Disabling Device | $1,271 |
| Tracking Device | $1,245 |
| Passive Disabling Device | $1,231 |
Latest Auto Insurance Reviews in Oviedo, FL | Back to Top
GeicoI recommend them if you want a decent priced service if you can ensure you won't get into any accidents, but if you then you see the dark side of the company.
ProgressiveI switched to progressive may years ago after one of their clients hit my car, and they paid me for the repairs the same day, and gave me a rental car.
GeicoI like Geico because I was able to search online and check the prices and found they offered the same coverage for less. This was at a time when I really needed to save money.
UsaaThey have been exceptional is all our exchanges and dealings. Best prices as well as best customer service. Perfect match for me.
ProgressiveFor the most part, I would recommend Progressive. The customer service is not great, but they seem to make up for it with their great coverage and prices.
GeicoThis is the only type of car insurance I have ever had so I am in no position to make a comparison to other insurance providers.
UsaaI would recommend USAA for auto coverage. Their customer service reps are well-trained and helpful, the tend not to needlessly push back on claims and are generally a good company.
ProgressiveThe review was for my auto insurance I dont have home insurance because I rent. My landlord does pay house insurance though but we do not have renters insurance.
Geicohowever, when it comes to pay out they suck. they did not pay out what my new car was worth and I am still paying over 5000 dollars on what my car is worth and being sued.
Geicohowever, when it comes to pay out they suck. they did not pay out what my new car was worth and I am still paying over 5000 dollars on what my car is worth and being sued.
UsaaMy only downside is I wish the coverage was cheaper.
State FarmWhen you call the customer service line they are very disjointed and take a while getting you to your "Agent". I also do not care for my personal agent as he is very rude.
ProgressiveIn my opinion, the premium offered by my auto insurance provider is much, much higher than that of other providers. The premium is even above $200/month, which I find extremely expensive.
AllstateAllstate has always treated me with respect and been prompt in notifying me of changes and working with me to solve any issues that I had.
State FarmI really didn't shop around since I carry other insurances with this carrier and have a good relationship with my agent. I wouldn't know.
ProgressiveIf I didn't have my accident on my record, the payment for each month would be more expensive than other companies.