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