Reader’s Question:

My car insurance in Miami went up. I did not have any accident claim or traffic violations. What could be the reason?

Ariel

Miami FL

It is possible that your insurance carrier in Miami has filed their rates with your state’s insurance regulator that is why they raised your car insurance rates. Every year, some states file new fees as well. The state of Florida has a Hurricane fee that is placed onto every person’s rate premium.

When a state permits insurance carriers to increase their car insurance rates will definitely affect your premium. In addition to that you cannot control that car cost more to repair than the year before and that medical bills increase. Insurance carrier do routinely increase car insurance rates for all policyholders to cover these increasing costs the insurance carrier pay out.

To know exactly why your car insurance rates went up, speak with your insurance company. When car insurance rates increased or have change for some reason then your insurance policy renewal notification will show on there the reason.

Tags: auto insurance, car insurance cost, car insurance quotes, car insurance rate

Reader’s Question:

I live in Coral Springs, Florida. I am 18 years old, still live with my parents and I would like to know if need to be covered under my parents car insurance policy. Is it possible for me to get cheaper car insurance on my own so I can be taken off from my parent’s car insurance. I will not be driving their vehicles because I have my own car. Can I do that?

Rey

Coral Springs FL

You may be able to buy your own auto insurance if you register your vehicle under your own name. Usually, car insurance carriers would want to add all licensed drivers in the household on your parent’s car insurance policy.

If you will be driving your own cars and the vehicles of your parents it is likely that all of you need to be listed on each other’s car insurance policies. I suggest that you contact your car insurance company to get more information regarding this. They will be able to tell you if you can get your own car insurance policy and be taken off from your parent’s insurance while still living with your parents. If you are looking for a cheap car insurance quote, it would be cheaper if you stay on your parent’s car insurance policy than getting a separate car insurance policy. You can just share payments with your parent’s car insurance cost.

If you have decided that you wanted to get separate car insurance in Coral Springs, Florida, you can get car insurance quotes here on this page to determine how much car insurance quotes you can expect if you get your own car insurance policy.

Tags: car insurance cost, car insurance quotes, Student car insurance, teen insurance, Young driver car insurance

Reader’s Question:

Are you required to get Florida drivers license before you can obtain automobile insurance on a car registered in Melbourne, Florida?

Helen

Melbourne, FL

Insurance carrier’s rules and guidelines varies however most insurance carriers in Melbourne, Florida allow you to obtain automobile insurance in a car registered in the Florida without having Florida drivers license. However, if you live in the state of Florida and would want to get insurance in a Florida registered vehicle, normally you will be required to get a Florida drivers license.

There are some situations wherein you have your vehicle registered in the state of Florida but you have an out of state license. For example, if you are a college student who plans to study in the state of Florida and purchased a vehicle in the state of Florida but they are licensed from out of state or those who has a vacation home in the state of Florida while having their permanent address from out of state.

Tags: auto insurance, Student car insurance

Reader’s Question:

After accepting the car insurance company accept my down payment and payment for the first month in Miami Florida do they have the rights to raise your car insurance premium quote??

Janice

Miami, FL

Depending on your state laws if your car insurance carrier has the right to increase your car insurance rate premium after accepting your down payment. It is possible that after accepting your car insurance payment the insurance provider just finished its checking of your driving record, etc and found something that should raise up your car insurance premium according to their rating rules. This can happen, especially when you are changing insurance providers and they are still getting your personal information even after providing you a car insurance quote.

Since you live in Miami Florida and this happens you can either pay the increase and cancel it within ten days or do not pay and the insurance carrier will cancel you for nonpayment. Typically the last option is not a good choice since it will show up on later when you try to find car insurance quote with another car insurance company and would appear negative on your side.

Tags: auto insurance, auto insurance premium, car insurance cost, car insurance quotes

Reader’s Question:

I know someone in Hollywood, Florida who let his 14 year old son drive their car? What will be the penalties for that if his son gets caught?

Henry

Hollywood, FL

The Florida laws states that an individual may not operate any automobile upon the roadways unless such individual has a valid driver’s license. .

According to the Florida Statute no person shall knowingly permit his or her teenage child under the age of eighteen to operate a car on roadways when such minor is not authorized by the provisions of this Florida statute. According to the Florida driver’s manual you can be made to pay a fine or put to jail for permitting an unlicensed teen to drive your vehicle.

If you are a minor caught driving without a drivers license the individual who let you drive their car may also get in trouble depending upon state laws.

So, in Florida, both the licensed driver who permits the teen minor that does not yet hold a learner’s permit and the unlicensed minor can both face penalties including jail time and fines. If you were cited for these offenses in Hollywood, Florida or elsewhere, find out for sure what the fines and penalties are by calling the court listed on your citation ticket and/or your state’s Department of Motor Vehicles.

Tags: auto insurance, teen insurance, Young driver car insurance