Florida Auto Insurance

Florida Auto Insurance questions and answers

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Q: Do i need to be a Florida resident to have Florida auto insurance?
I live in MA but go to college in FL and im looking to buy a car and tag it in FL. Do i need to be a florida resident to get florida auto insurance?

A: Insurance is not tied down to a state or location you live in. You purchase insurance to cover the vehicle no matter where you drive or live.

Q: What kind of coverage do I need(required) and optional(not required) in Florida for auto insurance?
I own a 1997 Toyota Avalon, which I only paid $5,000 and is not worth more than that! I own the car out-right, no loan on the car. What kind of insurance do I need on the car, required by the state of Florida? And what insurance should I get to protect my assets, or just in case of accident, ect(but that is not required)?

A: For auto insurance the quick method to get a cheap quote is do a auto policy comparison. If you choose the same coverage levels, you can get an quick quote to compare against others. Use the same zipcode, auto make/model, mileage and driving history to ensure you get accurate comparison. To get fast auto insurance quotes, go to http://www.autoadviceonline.com/Auto-Insurance-Quote.html and you can compare the major auto insurance companies.

Q: Do I really need auto insurance in Miami Florida?
Auto insurance is really expensive, do I really need it? I live in Miami, Florida and prices on auto insurance are through the roof. Can I get in any really serious trouble if I drive without auto insurance for a while until I can actually afford it.

A: Yeah the prices are insane over here but it is very important that you have insurance, if not you could get into trouble say there is a reckless driver and you have an accident, you need help or say you are stopped by a cop, you cold get into trouble for not having insurance.Try this, it helped me save a really substantial amount of money. I used to have Allstate but I felt they were ripping me off I had all these stupid plus stuff I was paying for and didn't even need it, so I heard that Geico was less expensive so I gave them a call after checking them out online. I got the minimum coverage with them and I am saving a lot of money! you should check it out or see if your company can give you a downgrade and. say instead of covering a certain amount of money you can get them to cover less and it will be cheaper. But be sure to do this if you have caution when driving and dont srive like a crazy person. Try not to get any fines or into any accidents and that will keep the rates lower. Hope it helps and that you understood what I wrote because I know I tend to not make sense some times lol GOOD LUCK =D

Q: Florida auto insurance....?
I am moving to Florida and am at a loss as to how to start looking for auto insurance. Can anyone tell me some of the less expensive auto insurance companies are? Also, what is the minimum $ amount required for collesions/injury?

A: I have been a Progressive customer for 12 years, since I started driving. They have always been very good with customer service and price is comparable. Just remember the cheapest insurance may not be the best. You get what you pay for in the end.

Q: Florida Auto Insurance Laws what's the deal with the minimums?
Florida Auto Insurance Laws seem a little scary to me. Is it correct that Florida only requires 10,000 and 10,000 for minimum coverage? I was in an accident in a state with 25,000 & 50,000 for the minimums and even though I was not at fault I ended up still owing 40,000 after the insurance paid the full policy. It was explained that if all you carry is the minimum coverage than that's what you get...How can it be only 10,000 & 10,000 in Florida?

A: Hello Beth, You are indeed correct about the minimum mandatory coverage in Florida being 10,000 (Personal Injury Protection) and 10,000 (Property Damage Liability). Each states legislature determine the auto insurance laws for that particular state. Every auto insurance policy carries a provision that increases the coverage on your policy to comply with the minimum of the state your driving in. As long as you have a valid auto insurance policy you can cross state lines and be in compliance with that states minimum requirement. Besides the minimum mandatory requirement in Florida (No Fault Law) there is another law in Florida you should be aware of called the Financial Responsibility Law. This law states that a driver who carries 10,000 per person and 20,000 per accident of bodily injury liability, in addition to the minimum mandatory No Fault, is conducting themselves in a financially responsible manner. If your at fault in an accident, causing injuries, and are in compliance with the Floirda Financial Responsiblity law the state will take no adverse action against you, such as suspending your license until you pay the injured party. This in no way means that the injured party couldn't sue you for more than the insurance you carry but the State of Florida will leave you alone. From your own personal experience you can see that being in compliance with Florida's No Fault and Financial Responsibilty Laws does not adequately protect you if you're in a serious accident. Higher liabilty limits as well as uninsured motorist coverage should always be carefully considered when purchasing an auto insurance policy.

Q: Has anyone heard of Auto Plus Insurance of Miami Florida? I have heard they are the Best in Florida.?
Has anyone heard of Auto Plus Insurance out of Miami Florida? I have been told several times that they provide the best customer service at the most affordable price. I am moving soon to Miami Dade Florida and my current auto insurance company doesn't provide insurance in the state of Florida. I prefer a small family owned and operated auto insurance agency that I can actually pick up the phone and speak with my agent not get a automated system trying to talk to me. Can anyone help?

A: Hi Scott, I just recently looked into Auto Plus Insurance in Miami, and they are by far the most professional and detailed than any other company I called, they told me what I needed and why I needed it. And they were cheap. With the added bonus of being really careful about making sure I did not have too much or not enough insurance in Florida based on the cars I own. They even spoke to me about insurance for my boat. Which saved me a lot of money. I would agree with what you have been hearing.. Best of luck Scott and welcome to Miami

Q: who has the cheapest auto insurance in Tampa Florida?
I went to buy a auto insurance in tampa who has cheapest insurance ?

A: I found a really good car insurance quote from http://gsx1.com/InsuranceComparison.htm I saved 570 dollars! But I took many quotes from different places to find a cheap one. If the above doesn't do it, here's more from my bookmarks http://finance.ebookorama.com/ukusa-selected-resources.php http://gsx1.com/Car-Insurance/100.php

Q: Florida just increased it auto insurance by mandating personal inury?
Just wondering who got that passed into law? NIce for the insurance companies.. And Who gets all the oceanfront property that get developed? The Gov sells it?

A: As with any other law - it's passed by your state Congress. Or in this case, not renewed by your state Congress. YOUR REPRESENTATIVES passed the law. Have a problem with it? Call the local representative's office. "mandating personal injury" technically means, requiring everyone to be injured, so that's NOT what was done, I'm sure. You're probably talking about mandatory personal injury COVERAGE - and since Florida is a no-fault state, that means, if you drive, you have to carry some medical coverage in case you're hurt in an accident, since you can't sue the other guy (by state law). What does oceanfront property have to do with auto insurance? Developers don't develop property on other people's land. So, they buy the land, then build. So who gets it? They do. They bought the land, they build the building. No idea what you're really asking here.

Q: How much does liability auto insurance cost in Florida?
I am coming up to 21 years old, and moving to Miami in August for a year with a student visa. I am told that it's very useful to have a car in the USA, and as I am a car owner in the UK with almost 2 years of comprehensive with no claims, I was hoping that I would be able to purchase a car in the USA. Will this be possible and at what price?

A: Hello, We often take for granted what a convenience our cars are. I was paying a low price for my insurance, but at renewal time, my insurer tried to increase my rates. My friend sent me a link to this site: http://www.rent-assistance.org They have a free search to compare auto rates from the major insurers. It saved me a lot of money! Best of Luck

Q: auto insurance in florida?
okay heard a rumor that as of october 2007 NO auto insurance is required in the state of florida.... anyone else heard of this ?

A: No, this is not true. Florida auto insurance laws Florida is a partial no fault state. The no-fault portion of your coverage pertains to bodily injuries, meaning that in the event of an accident, each party is responsible for their own medical bills and other costs related to the injuries sustained in the accident. In turn, your right to sue the other party is limited. Florida auto insurance laws require all drivers to carry property damage liability and personal injury protection (PIP) policies. Property damage liability covers the damage you cause to another's property, and you must carry a minimum of $10,000 in coverage. PIP covers your injury-related expenses, regardless of who was at fault in the accident. Covered benefits include some compensation for necessary medical expenses, lost wages, lost services, and funeral expenses. $10,000 worth of PIP is required, although you may be able to increase your benefits by purchasing more. Some drivers may choose to decrease their premium by applying a deductible to the coverage or by excluding the loss of wages benefit. Florida auto insurance laws may also require that certain drivers carry bodily injury liability. This coverage helps pay for the cost of injuries you cause to another in an auto accident. Drivers with previous accidents or violations may be required to carry this type of coverage. Bodily injury liability (BIL) carries a minimum of 10/20. (That's $10,000 per person for injuries you cause to the other party, up to $20,000 total.) However, these are only minimums, and higher limits are recommended. Drivers who aren't required by law to purchase BIL are strongly urged to consider doing so for their own financial protection. Florida auto insurance companies will also offer optional coverages such as collision, comprehensive, and uninsured and underinsured motorists coverage.

Q: Is it mandatory to buy Auto insurance in Florida state?


A: yep liability only if you own the vehicle full coverage if you dont

Q: What auto insurance companies in Florida do NOT pull your credit???


A: They all do, it's one of the many things they look at to decide what your risk factor is.

Q: is it true that the new auto insurance law for no insurance for Florida is effective on October 31?


A: No it is not true entirely. read the following: Effective October 1, 2007, several sections of the Florida statutes, including,627.730, 627.731, 627.732, 627.733, 627.734, 627.736, 627.737, 627.739, 627.7401, 627.7403, and 627.7405, forming the Florida Motor Vehicle No-Fault Law, will be repealed, unless reenacted by the Legislature. The 2007 legislative session ended without lawmakers extending Florida's no-fault / PIP auto insurance system. That means the No Fault law will end in October 2007 unless lawmakers make a change in a special session, which Florida Governor Crist has hinted at having such a session. In June 2007 a special session was called for lawmakers to work on issues surrounding FL property taxes. Though it has yet to be done Crist continues to say they legislature will get to it before it expires. Regardless of the changes in this law, Florida is already very different. The current No Fault or PIP law requires Florida drivers to carry auto insurance to pay for a percentage of their own medical bills and lost wages resulting from an auto accident regardless of who is at fault. There is no Florida law requiring people who are responsible for accidents to carry insurance to help pay for those expenses of the people they injure through their own negligence. So Florida residents are not required to purchase Bodily Injury Liability. There is a catch though; if you get into an accident and you are not by the state not to be "Financially Responsible" then you have to carry Bodily Injury and file an SR22 to show proof. PIP is currently required on every auto insurance policy in the state, with up to $10,000 of coverage for medical expenses, lost pay and death benefits for any insured, injured motorist regardless of who is at fault in an accident. Florida lawmakers say this insurance law was intended to end expensive and complicated lawsuits however many say the system failed and was abused. Many have come to the conclusion that there is too much fraud to reform it. If it expires, injured motorists will be required to sue each other to receive damages. The Florida Senate wanted to extend PIP and have a study done on it by 2010. It would then expire in 2012 unless it was reformed according to the recommendations of the study. The House was pushing a different plan which would have allowed PIP to expire but would have replaced it with $15,000 of coverage that can only be used immediately following an accident at emergency rooms and hospital-owned clinics. The House never took up the plan the Senate passed and here we are in August of 2007 and without a special legislature session the no-fault law will expire. Currently in Florida ninety-five percent of drivers are insured. It is believed that without the PIP requirement the number of insured drivers will decrease. If Florida changes the laws, then only Property Damage Liability is required at a minimum limit of $10,000. There are discussions that with PIP's sunset, Property Damage Liability will not be required either. Companies like State Farm, Florida's largest auto insurer with more than 20 percent of the market, plans to cut rates by 16 percent on Oct 1. Other companies are expected to announce their reductions soon. According to some pundits, State Farm does not sell policies without Bodily Injury Liability, so this change will not affect them or their policyholders because most drivers have Medical Payment coverage. If the No-Fault law sunsets in Florida, drivers in FL will need to review their health insurance policy to see what treatments are covered. Some medical insurers do not cover medical treatments associated with automobile accidents and other health insurers cap the number of physical therapy or chiropractic treatments. It is high likely that medical insurance premiums will increase if the Florida no-fault auto insurance system sunsets. What exactly will happen if the PIP law expires and what insurance coverages the state of Florida may require at that point is still yet to be determined. Keep an eye on our site to see what news we have on the Florida car insurance front. Beyond this you can contact the FL insurance regulator to find out what advice they are giving consumers on this topic. The office of the insurance regulator for Florida already has available a tree chart for personal injury scenarios for post no-fault accidents (medical only) and a section entitled "Life Without No-Fault."

Q: Cheapest auto insurance in Florida??
Just moved and need some ideas for shopping around for the cheapest auto insurance in Florida.

A: One approach to shop for the cheapest auto insurance rates in Florida is to compare quotes online from a auto insurance quote provider service. InsureMe has helped millions of consumers shop online for insurance since 1993. With InsureMe, you just fill out one easy form to compare the five lowest quotes available for auto insurance. To compare quotes now, go to - http://www.insureme.com/landing.aspx?Refby=613596&Type=auto I hope that helps you find the cheapest auto insurance in Florida! Best of luck to you.

Q: Who has the lowest auto insurance in Florida?


A: Try this one - http://carquotes.imess.net - I personally have their car insurance, cause it is the cheapest for my family in our area.