Auto Insurance Quotes in Deltona FL - [Mom Prepared] (2025)

Auto insurance is a necessity for any family with multiple vehicles and drivers, especially in a city like Deltona, FL. With a bustling population and busy roads, having the right coverage is essential to protect yourself and your loved ones in case of an accident. As a husband and wife raising children of various driving ages, we understand the importance of finding the best auto insurance quotes in Deltona, FL.

We have four vehicles in our household, each serving a different purpose and driven by different family members. Our oldest son, who is in college, drives a 2015 Toyota Camry, while our daughter, who just got her license, drives a 2019 Honda Civic. My wife drives a 2018 Ford Escape for her daily commute, and I have a 2016 Chevrolet Silverado for work and family outings.

When it comes to auto insurance coverage, we have different options for each vehicle based on its usage and the driver’s age and experience. For our son’s Toyota Camry, we have full coverage with a $500 deductible, which costs us around $150 per month. Our daughter’s Honda Civic only has liability coverage, as it is an older vehicle and she is a new driver. This costs us about $80 per month.

My wife’s Ford Escape has full coverage with a $1,000 deductible, costing us around $120 per month. Lastly, my Chevrolet Silverado has comprehensive coverage with a $1,500 deductible, as it is used for work and is more prone to wear and tear. This costs us around $180 per month.

Over the years, we have had a few driving infractions in our family that have resulted in increased auto insurance rates. Our son got a speeding ticket last year, which raised our rates by about 15%. Our daughter was involved in a minor fender bender, resulting in a 10% increase in our premiums. My wife received a citation for running a red light, which also raised our rates by 10%.

As for myself, I got a DUI a few years ago, which had a significant impact on our auto insurance rates. Our premiums increased by a whopping 50%, and we had to switch to a high-risk insurance provider for a few years until my driving record improved.

When it comes to auto insurance in Deltona, FL, there are a few common questions that many residents have. Here are 12 of the most frequently asked questions, along with their answers:

1. What is the minimum auto insurance coverage required in Deltona, FL?

In Deltona, FL, drivers are required to have a minimum of $10,000 in personal injury protection (PIP) and $10,000 in property damage liability coverage.

2. What factors affect auto insurance rates in Deltona, FL?

Several factors can affect auto insurance rates in Deltona, FL, including age, driving history, type of vehicle, and location.

3. How can I lower my auto insurance premiums in Deltona, FL?

You can lower your auto insurance premiums in Deltona, FL by maintaining a clean driving record, bundling your policies, and taking advantage of discounts offered by insurance providers.

4. What is the average cost of auto insurance in Deltona, FL?

The average cost of auto insurance in Deltona, FL varies depending on several factors, but it is generally around $1,200 per year.

5. Can I get auto insurance quotes online in Deltona, FL?

Yes, you can get auto insurance quotes online in Deltona, FL from various insurance providers to compare rates and coverage options.

6. What is the best auto insurance company in Deltona, FL?

The best auto insurance company in Deltona, FL will depend on your individual needs and preferences. It’s essential to shop around and compare quotes from multiple providers.

7. Can I add my teenage driver to my auto insurance policy in Deltona, FL?

Yes, you can add your teenage driver to your auto insurance policy in Deltona, FL, but it may result in higher premiums due to their lack of driving experience.

8. What is the difference between liability and full coverage auto insurance in Deltona, FL?

Liability insurance covers damages to other vehicles and property in an accident, while full coverage insurance also covers your vehicle in case of an accident or theft.

9. Can I get auto insurance with a DUI on my record in Deltona, FL?

Yes, you can still get auto insurance with a DUI on your record in Deltona, FL, but it may be more expensive and require you to use a high-risk insurance provider.

10. What discounts are available for auto insurance in Deltona, FL?

There are several discounts available for auto insurance in Deltona, FL, including multi-policy, safe driver, and good student discounts.

11. Can I change my auto insurance coverage in Deltona, FL?

Yes, you can change your auto insurance coverage in Deltona, FL at any time by contacting your insurance provider and adjusting your policy to fit your needs.

12. Is it necessary to have uninsured motorist coverage in Deltona, FL?

While uninsured motorist coverage is not required in Florida, it is highly recommended to protect yourself in case of an accident with an uninsured or underinsured driver.