Affordable Auto Insurance Florida FL

Reader’s Question:

Hi there. I live in Florida right now and insurance rates are through the roof. Do I really need to buy auto insurance to drive a vehicle? I’ve never been in an accident, and I really want an affordable way of life.

Brad

Miami, FL

Hi there Brad. Yeah, I hear prices of auto insurance in Florida are not very affordable these days. It’s relatively more expensive than in other parts of the USA. This is because of the increasing number of vehicular accidents that are happening over there every day. There are also an increasing number of uninsured people out there that makes it even riskier for drivers and pedestrians alike. All these contribute to the increase in the prices of auto insurance in Florida.

However, contrary to your thoughts on foregoing auto insurance, this must convince you to get even more insurance. If you are caught out in the streets without the proper insurance, you risk getting fined and getting your license and registration suspended. Also, if you get into an unfortunate situation, you will have to personally cover the costs of all damages to people or to property which may end up costing you more in the end. So please take my advice and make sure that you have more than enough auto insurance coverage before you go out cruising the streets of lovely Florida. If you think you need a better auto insurance rate than the one you currently have, how bout you shop around online and compare insurance quotes from the auto insurance companies? I bet you will find a great deal of savings if you do this.

 

Tags: affordable car insurance, auto insurance

State Car Insurance Florida FL

Reader’s Question:

I am a freshman in college. My car is registered in Florida where I originally live, but I am currently in another state attending college. Do I have to keep my Florida car insurance?

Robert

Jacksonville, FL

Hi, Robert. First things first. Florida law dictates that if you own a vehicle and had it registered in the state of Florida, then you must carry with you a corresponding car insurance coverage that is likewise from Florida. You failed to mention, however, if the car is lying in your garage in Florida or if you brought it along with you to school. Given that you just left it to gather dust in your garage, you would very much still need the Florida car insurance coverage. The mere fact that it still has the official Florida vehicle tag means that it must have a Florida car insurance coverage.

Now, if you brought it with you to another state, you might want to consider other options. One is you go and talk to your car insurance agent about your dilemma. Ask the car insurance agent if he or she can suggest a better alternative for you. Most car insurance companies would not pay for your expenses should an accident happen if they found out that you are not maintaining your car where it has been registered. If you’re spending the next couple of years in another state, might as well have it registered there. Plus who knows? Your car insurance provider could have a branch in the state where you are currently residing, so you might even get discounts. So, ask your agent now.

Tags: car insurance, car insurance agent, car insurance law

Business Car Insurance Discounts Miami Florida FL

Reader’s Question:

My brother and I are thinking of starting a limousine service business here in Miami, Florida. With the money left to us by our father, we were wondering if we should know anything about auto insurance that may help us push through with our plans. Does anyone here know anything about this?

Alec

Miami, FL

Awesome there, dude. A limousine service?! Your father must have been rich, leaving all that money for you and your brother. Okay, I am going to give you some information, but you will have to promise me that I may be able to get some discount when I need a limo. Anyway, there are actually a couple of things you need to be reminded of if you are going to start this limousine service business there in Miami, Florida.

First, you could get a fleet discount if you have five or more than five limos. A good record with no claims and good drivers will definitely make you have discount on auto insurance rates. The driving background and education of your drivers may also get you some discounts if they have finished a defensive driving course or if your chauffeurs keep up with the standards of the industry through keeping up with updated education programs. Remember that if the chauffeurs are considered safe and educated, it is most likely and almost always that you become eligible for a discount.

You might also want to check out the different types of limousines out there in the market. You must buy those limos that are modified with a heavy duty package. This modification compensates for the added length of the limo which compromises the steering, the braking and the suspension. If your limos are safer, the more you will cut your costs when it comes to insurance premiums. Just check out the different insurance carriers to know more about the discounts you could get and to compare prices. I hope I was of some help. Good luck with the business.

 

Tags: auto insurance, Business Auto Insurance, Car insurance discounts

Auto Insurance Coverage Hialeah, Florida FL

Reader’s Question:

How much car insurance coverage do I need in Hialeah, Florida?

Clayton

Hialeah, FL

 

Before you buy any type of car insurance coverage, make sure you research other insurance policies so that you will not end up paying extra or something you have coverage for already. If you have a good health insurance policy then you may not need to obtain PIP, Uninsured Motorist or Medical Payment. Some medical insurance providers specifically exclude injuries resulting from a car accident in their car insurance policy so check your health insurance thoroughly before removing or adding car insurance coverages that would cover your medical bills. Always remember that health insurance will not pay for pain and suffering while some auto insurance medical coverages would, so choose what you feel is essential with regards to this concern.

It depends upon your personal financial situation, and health issues etc if you think you need to add or remove auto insurance than what the insurance industry requires. Keep in mind to buy as much as you can afford so that you are not left paying thousands out of your own pocket from damages sustained in a vehicle accident or placing your personal assets at risk.

 

Tags: auto insurance, car insurance