Cheap Florida Car Insurance

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cheap florida car insurance

If you’re planning a move to Florida or even an extended stay of just a few months, it will pay to look into cheap Florida car insurance requirements for the state. You should note that because Florida has a large part-time population during northern winters, it has some unique requirements for car insurance.

Non-residents May Need Cheap Florida Car Insurance

When does the requirement for Florida car insurance kick in for people who don’t live in the state all year long? Even if you’re not a full-time resident of Florida, the state requires you to maintain personal injury protection. Property damage liability coverage if you have a vehicle in Florida for more than 90 days during a 365-day period.

This applies even if the 90 days are not consecutive. If you have a current policy in another state, it doesn’t count. However, many companies have agents in Florida who can help you transfer your policy to cover you in Florida. Here is what Florida coverage means. Your plan has to be with an insurance company licensed by the Florida Department of Financial Services. 

Vehicle Registered in Florida

If your vehicle is registered in Florida, and you plan to attend college in another state with your vehicle, you still must maintain your cheap Florida car insurance. If you expect to maintain that vehicle primarily in the other state for several years, discuss the situation with your insurance agent to find Florida car insurance discounts.

Military personnel who plan to store a vehicle unused until they return from a military assignment. Those are required to continue insurance coverage if the car is stored in Florida with a valid tag and registration. If you surrender the tag and registration until you return, then the insurance is not required.

Driving Without Florida Coverage Is a Big Mistake

If you are caught driving uninsured in Florida, the Florida Department of Highway Safety and Motor Vehicles can take away your driving privilege, your license plate, and vehicle registration for up to three years, or until you provide proof that you have car insurance. They can also assess reinstatement fees of $150 to $500 if you want to drive again.

Florida does not allow temporary or restricted driver’s licenses for business or employment exceptions. If you are low on funds you might qualify for cheap Florida car insurance with no deposit in Florida. Enter your zip code and apply for a free online quote. 

How Much Coverage Is Required in FL?

Florida law requires insurance coverage for any registered vehicle with at least four wheels. If you have a Florida license plate and registration, your insurance coverage has to include $10,000 of PIP or Personal Injury Protection and $10,000 Property Damage Liability. Even if you don’t use a vehicle, coverage is required as long as the vehicle remains registered. 

If you own a vehicle registered as a taxicab, you must maintain bodily injury liability of $125,000 per person, $250,000 per accident, and $50,000 for property damage liability. The PIP for Florida auto insurance has been called the Florida No-Fault Insurance. It covers you whether or not you are at fault in an accident.

PIP also covers members of your family, your children, and possibly passengers in your vehicle who may not own a vehicle. In addition, you’re covered if you are a passenger in someone else’s car or as a pedestrian or bicyclist involved in a crash with a motor vehicle. PIP coverage extends only up to the limits of your policy.

Saving the Most Money on Your Next Policy

The easiest way to save money when shopping for Florida car insurance discounts is to get some comparison quotes online. Even if you already have an insurance plan, take time to review your current situation. Think carefully about whether you may need more than the minimum insurance requirements. You should have at least Cheap Florida car insurance in case a serious accident runs into very high medical costs and property damages.

In reviewing your plan, do you have the same number of vehicles and drivers in the family? Are you eligible for special discounts for good driving or for having safety features in your car? Are you driving more or less? Have you checked on a higher deductible? Enter your zip code at the top of the page for your free car insurance comparison quote. Save more on the coverage you need.