Reader’s Question:

What is the importance of doing some comparison shopping for my car insurance here in Florida?

Hailey

Gulf Breeze-Harold, FL

Just like any other thing that you want to purchase, it would be a sensible move to compare auto insurance quotes prior to signing up with a particular auto insurance provider in Florida. The reason behind this is that there could be a huge variation in auto insurance premiums from one insurer to another, and you could actually save a lot of money by making comparisons. So the choice is ultimately yours if you want to waste money by not doing some comparison shopping. But certainly, you wouldn’t like to get on the phone and call up insurance carriers one by one.

Luckily, there are a lot of online websites that would let you do some comparison among auto insurance premiums from a lot of carriers. You may either visit a particular auto insurance carrier’s website or use a comparison quotes sites wherein you would just put in your information once and you would come up with several auto insurance quotes from various carriers. However, there is something that you need to be careful about when you are comparison shopping. One auto insurance carrier may give you the lowest quote that is relatively lower than all other quotes. Don’t immediately choose the cheapest premium and you have to go over the policy and read everything including the fine print.

Tags: auto insurance, auto insurance company, car insurance online, cheapest auto insurance

Reader’s Question:

I am going to be a senior citizen by the first quarter of next year and my son has been telling me that I will be getting a favorable discount in my car insurance here in Florida. It’s not that I’m complaining but why is it that senior citizens are getting lower rates than other ages?

David

Coral Springs, FL

When a person reaches the senior citizen’s age here in Florida, they are already expected that they have more properties than the young. And not only that they have their properties but also they have lesser bills to pay as well as no debts to be paying. Senior Citizens are also getting the discounts they want especially in Car Insurances.

Senior Citizens get a lower Car Insurance rate not only because of the privilege they get from the State but also because of their record. A senior citizen rate depends on how they have managed to be free from road accidents or violation tickets. And also their record speaks for themselves that for all we know senior citizens are actually safer on the road for they are more mature and have more experiences than the young. But they are strongly advised to carry high limits of liability to protect your property in case of an accident, if you their limits of liability is not enough this might let the plaintiff to come after your property if there is a severe damaged incurred. The best thing to do is discuss matters with your insurers to at least have a coverage that would protect you most.

Tags: car insurance, car insurance rates, cheaper auto insurance, senior car insurance

Reader’s Question:

We will be moving to another state and I need to cancel my car insurance here in Florida. My coverage is about to expire anyways, so will it automatically end?

Hans

Lauderhill, FL

Even if your car insurance coverage in Florida is expiring, it will not automatically end so you still need to inform your insurer that you are meaning to cancel it. Otherwise, at the end of the policy term, you could owe them something and you’ll have a cancellation on your record — one that is due to non-payment. Almost all of car insurance policies state that the policyholder could drop the policy at any moment within the policy term. This is through writing a notification to the insurer that states the actual date of termination. But if you want to go with another insurer at the end of the policy period, your coverage does not necessarily mean that it’s cancelled.

In case you fail to tell your car insurance provider that you want to cancel your policy at the end of the term, there are two things that you should be aware of. First is that your insurer would still send out a bill for the next coverage period. Then if they don’t get any response from you, your car insurance provider will officially drop your policy since you were not able to pay the fee when it’s due; and that would go against your credit report. For that reason, you need to properly cancel your policy and not just assume that it will be automatically cancelled at the end of the policy term.

Tags: car insurance

Reader’s Question:

Could you please give me some instances wherein I don’t have to file a claim with my car insurance company here in Florida regarding an accident? Also, it will be much appreciated if you give instances on when it is necessary to file a claim.

Adrien

Miami Beach, FL

In case there is already a point on your driving record because of a speeding violation, you may inquire with the California department of insurance to see their rules about nonrenewal. Be cautious to report the accident to your car insurance company in case filing a claim for an accident you cause, plus your previous ticket, will indicate a nonrenewal. However, if there is another vehicle concerned or you have other people in your car, you might want to file a claim for that. You will never foresee what may happen after the accident and if you don’t report it, your car insurance provider will have a drawback in defending you.

In some instances that do not have bodily injury, it is enticing to just privately resolve the issue with the other individual/s involved without reporting it to your insurer or the authorities. However, you have to be cautious if you were not the one who caused the accident and you have endured damages. On the other hand, if injuries were not instantly obvious after the accident and they show up the following day and you know that those injuries need medical attention, you have to inform your insurer about that accident.

Tags: car insurance, car insurance claims

Reader’s Question:

I have just gotten married last month and that my wife told me that I should talk to my car insurance agent about the things to reconsider for I also have neglected my car insurance. Are there any things to reconsider in Car Insurance policies in Florida?

Ben

Hollywood, FL

Citizens of Florida has always been busy and there are things that they have but forgotten. Getting a car insurance is just like is just getting a requirement for us to be permitted to drive. We have forgotten what Car Insurance can give us. Car Insurance is not a requirement but our protection on the road. Though for those who have neglected their car insurance they just have to talk to their insurer and discuss the matter with them for if we think that car insurance is robbing us, well, think for a long run.

The times that we need to reconsider our car insurance is when we get married for you can actually get a car insurance policy together. When you purchase a new car, you should also reconsider your policy for you have to increase the coverage of your policy. Another time is if you move to another city or state for the location of the driver is considered to be one of ways on how to compute how much insurance you would get. If you move to a little country or the most populated city, your car insurer should know for they will help you get more protection especially when you are going to stay in a crowded city for cities is more accident prone than a country.

Tags: auto insurance, auto insurance policy

Reader’s Question:

Hi, I just had my auto insurance recently under my parents’ policy here in Florida and honestly, I am not familiar with some things on it. I still don’t know why Florida is a no-fault insurance state, so would you care to explain that?

Jose

Coral Springs, FL

Since you have just been recently added as a new driver to your parents’ car insurance policy in Florida, it is perfectly understandable that you are not yet familiar with everything that is on it. Majority of the states have conventional fault-based system wherein the compensation will be according to the driver’s level of fault in an accident. But, some states view that it will be expensive to fight through the courts just to figure out who was at fault in a lot of accidents. For this reason, some states are using another system which is no-fault insurance.

If you get involved in an accident, your car insurance company will pay for the damages up to a certain limit, no matter whose fault it was under the no-fault system. In return for this definite compensation, you should give up some of your rights to take legal action against the other person involved in the accident. Similarly, you will not be taken to court by the other party in case you are the one who caused the accident. There are some aspects of no-fault in every car insurance policy. For instance, medical payments as well as property damage are normally being compensated whoever is to blame in the accident.

Tags: auto insurance, no-fault insurance

Reader’s Question:

I’ll be on a business trip very soon for a little while and I really don’t know the stand of my auto insurance policy here in Florida regarding rental vehicles. So what are my insurance options regarding rental vehicles?

Gabriel

Kendall-Perrine, FL

There would be a lot of complications while making a decision as to rent a vehicle or not while you are on a business trip. You would need to identify first if your auto insurance policy in Florida covers any rental vehicle. If you have collision and comprehensive coverage on your policy, this would normally cover rental vehicle as well. You may very well check with your insurance company or might as well go over your policy about rental vehicle insurance. If you will be using a credit card to rent the vehicle, you may check with the credit card company covers the damage to the rental car.

Since you will be on a business trip, you may check first if your company has a corporate insurance coverage for renting a vehicle. Also, you have to be careful regarding the insurance laws of the various states. Insurance regulations in some states might only give coverage for a trip within the state. However, majority of the state will give you coverage so long as you drive in the United States. Lastly, make sure that you won’t let any other person drive the rental vehicle. Rental vehicle providers are very particular on the people who drive their vehicle and might not provide coverage for another driver except if other people who will driver are listed on the rental contract.

Tags: auto insurance, car insurance company, collision coverage, comprehensive coverage, rental car insurance

Reader’s Question:

I am about to join the career world, and what confuses me is that why are there different car insurance rates for different kinds of people. Are there any determiners to know how these car insurance rates different from one another here in Florida?

Leo

Hialeah, FL

Apparently, there are many different car insurance rates in a variety of status in life. Car Insurance Companies think about your age, gender and marital status, as well as your driving record and your car model. And of course, as years passed by, they are taking consideration with more information about us, our college degree, our profession, our debts. Here in Florida, the law nearly forbidden the use of our college diploma and what career we have chosen to determine our rates but unfortunately it didn’t prosper.

Long ago, car insurance rates are the same but some insurers offered lower rates to those who live in the country for there are fewer accidents in the country but then after, everybody put their names living in the country. That’s the reason why nowadays they have to check your personal records. It is just fair for a citizen to pay a car insurance rates they can afford. And were not only talking about affordability but also they have to check your age for younger and too old drivers cause more accidents that those in middle age. Car Insurance Companies are making sure that they only give what one can afford and deserve.

Tags: car insurance, car insurance company, car insurance rates

Reader’s Question:

How come they say that the type of car that I drive here in Florida can affect my car insurance rates? If I drive an older model, less valuable car, will I be able to save on my insurance?

LaMarcus

Orlando, FL

The Highway Loss Data Institute usually records information about accidents data for the most types of vehicles. A lot of car insurance providers use this kind of information to determine the premiums of your car insurance in Florida. For instance, if the vehicle that you own would cost a lot to repair or replace, the insurance provider would have to spend more in case you get into an accident. On the other hand, if the vehicle you own is exceptionally safe and could protect the passengers very well, the insurance provider won’t have to spend as much if you get into an accident.

Also, if you drive an older model, less-valuable car, you can definitely save on your car insurance premiums. This type of vehicle is less likely to be stolen, so the insurance provider won’t have to spend too much to replace it. In addition, older model vehicles will not cost too much to repair in the event of an accident. Another reason is that you may opt to drop the comprehensive and collision coverage on your car insurance policy since you are driving a less valuable vehicle, thus saving you some money. It won’t probably make sense to pay extra for these types of coverage because you may pay more for that coverage than to replace or repair your car.

Tags: car insurance, car insurance premium, car insurance rates, cheap auto insurance

Reader’s Question:

For the last two years, I am spending a big amount for my son’s teen car insurance here in Melbourne, Florida. What are the things that I can do to cut down my expenses on that?

Marlon

Melbourne, FL

Indeed, car insurance for the age group 16 to 18 years old is the most expensive compared to those given to other age groups. Because the rule of thumb of most car insurance companies is insurance cost is directly proportional to the risk the driver may get involved in. In this light and in the case of teenagers, statistics say that teenagers are more likely to commit car accidents or roadway violations, hence, many car insurance companies give high car insurance premium cost.

To effectively reduce your son’s car insurance policy premium costs in Melbourne, Florida, I would suggest that you better include your son in your own or your husband’s policy because car insurance companies surely offer discount opportunities for multiple drivers and multiple cars included to their client’s policy.

Moreover, remember that car model also affects the cost of insurance policy rate. Sports Utility Vehicles (SUV), newly released car models and car models requiring expensive repairs and spare parts entail high priced policies. This is true across all ages and sexes that subscribe for car insurance.

If your son has committed a lot of traffic violations, you can send him to a driving school. Car insurance companies are giving discounts to their policyholders that have finished a driving course.

Tags: advice, auto insurance discounts, car insurance, teen car insurance