There's more to Orlando than Disney World, Universal Studios and souvenir shops. There's a booming music scene, fabulous shops, exquisite cuisine, an active arts scene, tons of outdoor entertainment, and Magic. But for many locals you have to get in a car to get there, and driving in The Sunshine State comes with a hefty price tag. According to the Insurance Information Institute (I.I.I.), Floridians paid an average of $1,043 for auto insurance in 2007. While it's doubtful you'll pay as little as a North Dakotan at $512, you can still find ways to garner lower Orlando insurance quotes for vehicle coverage. For one, you can request a higher deductible. A $1,000 deductible could save you 40 percent or more on auto insurance, according to the I.I.I. Another way to save on your Orlando insurance quotes is to limit your coverage. This may not be an option if you have a contract with a lending institution, but owners of older vehicles that are paid off don't always require maximum coverage. Find out how much your car is worth from Kelley Blue Book or ask a local call dealer to give you an estimate. If your car is worth $1,000 or less, you might want to decrease your coverage.
Getting in Your Business
According to the U.S. Census Bureau, an estimated 3,714 residents of Orlando worked from home between 2006 and 2008. While these workers are well aware they're sitting pretty (sometimes in their pajamas) in their home offices and avoiding peak-hour traffic jams, they might not realize that their business belongings aren't fully covered on their homeowners insurance policies. The I.I.I points out that the typical homeowners policy provides only $2,500 in coverage for business equipment. If your business equipment is comprised of one computer and a copy machine, this might be sufficient coverage. However, if you store a multitude of business equipment at home and/or need to protect your paperwork, work furniture or other business-related items, you might need to increase the coverage on the Orlando insurance plan for your home. A simple endorsement to your current homeowners policy might do the trick. The I.I.I. says you can raise the policy limits from $2,500 to $5,000 for as little as $25. However, if you need more than $10,000 worth of coverage, you should look into an in-home business policy or a business owner's policy (BOP). An in-home business plan offers more property and liability protection than a homeowners policy with an endorsement. It can protect your paperwork and off-site property and reimburse you for lost income if your home is damaged so badly you're unable to continue operations while reparations are underway. A BOP provides more protection than an in-home policy and can insure business properties outside the home.
Shape Your Plan
When all is said and done, insurance is not a one-size-fits-all purchase; Orlando insurance quotes are formed around the individual. While some insurances are mandated by the State of Florida, some are willingly purchased for added protection for the policyholder. Whether you're shopping for auto, business, homeowners, life or health insurance, NetQuote can match you with Orlando insurance providers that appeal to your specific needs. Fill out a simple questionnaire on NetQuote.com and within minutes you can have several Orlando insurance quotes promptly sent to your email.