Auto insurance policies are no more alike than the cars they cover — at least not when it comes to cost.

Orlando Auto Insurance Premiums

We know that insurance premiums in Orlando can vary tremendously on a company-by-company basis.

Spreads of 100 percent from high to low are not unusual. So if you can get the same coverage from a good company for $200 instead of $400 just by shopping around, it pays to do it.

Discount Auto Insurance

The big difference comes in the discounts offered. Different discounts are offered by different companies, and sometimes also are subject to state law.

Here are some of the discounts it pays to investigate:

— Deductibles. The larger the deductible, the bigger the discount you are likely to get. Generally — but not unanimously — throughout the country, increasing your deductible from $250 to $500 could cut your collision premium by 20 percent. Raising the deductible to $1,000 could lower the premium by 45 percent.

— Desirable cars. Premiums are usually much higher for cars with high collision or bodily injury claims, or that are favorite targets for thieves.

— Multicar discount. People insuring more than one car in the household with the same insurer may save up to 20 percent.

— Insuring driving children. It may be cheaper to insure children who are away at school and infrequent drivers on their parents’ policy.

— Good driver discounts. ”Safe driving means lower rates,” a clean record for three years may earn you a discount — and some companies increase the discount after six years of safe driving.

— Education. Many companies offer discounts for completing driver training and defensive driving courses. Also, some companies offer discounts of up to 25 percent to good students.

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