Is having auto insurance and SR22 here in Florida gonna be a different policy as having auto insurance without SR22?

Homer

Citrus Park-Fern Lake, FL

SR22 is a proof of insurance in the state of Florida required for those drivers who have had serious traffic citations. Insurance and SR22 can be bought together in a policy that has the liability coverage. SR22 is not gonna be a different policy as having auto insurance without SR22, although they still have their own dissimilarities. In cases where in a car insurance company have to issue SR22, they would have to inform the Florida Department of Highway Safety and Motor Vehicles (DHSMV) if the policy is cancelled for any reason. Basically, SR22 would let the DHSMV to be updated about the driver’s insurance status so that other drivers would have protection against risky drivers.

If a person is required to get SR22, he/she would just have to tell his/her insurer that he needs insurance and SR22. The car insurance company then provides the necessary paperwork that needs to be submitted to the DHSMV. At this point, the car insurance company would have to do all it has so that the SR22 filing will be processed. Most of the drivers required getting insurance and SR22 has to maintain SR22 for a period of three years. Then if that period is over, the driver need not worry showing proof of insurance to the DHSMV.

Why are car insurance rates for teenagers just so high? My daughter just got her Learner’s permit here in Clearwater, Florida and apparently it will cost an arm and a leg to get her own car insurance policy.

Jared

Clearwater, FL

Hi Jared, There are a lot of people out there who are as confused as you are as to why teenagers costs so much to provide car insurance for. Truth be told, almost all auto insurance providers view teenage drivers as a riskier segment of the driving population. Their reasons are valid. Statistically, it shows that a great deal of teenagers get involved, injured or even killed in car accidents more frequently, more so than the rest of the age brackets for other drivers. This can be attributed to teenage drivers lacking driving experience or the necessary skills, less developed judgment and even raging hormones. The riskier the driver the more an insurance company would want to protect its business in the form of costlier insurance rates.

Don’ lose hope though, just because you have a teenager driver doesn’t mean you will have to live with high insurance bills. Its almost always cheaper for a parent to add their teenagers under their existing car insurance coverage, as compared to having them get their own . Students who excel in school also get to qualify for good student discounts towards their car insurance. Enrolling your daughter in accredited defensive driving schools there in Clearwater, Florida would not only give you further discounts towards your rates, it will also teach your daughter valuable skills in keeping herself, and everyone else, safe while on the road.

Tags: auto insurance, car insurance, car insurance rate

My son is just about to go to college and we’re planning to buy him a car. Is it necessary here in Hollywood, Florida to get a car insurance for my son or should we include him to our own car insurance?

Jack

Hollywood, FL

It is most common for parents especially in Hollywood, Florida to give their children wheels for them to drive going to and from to their parent’s house during holidays. College students who have their own car make a difference. And as for children’s list of things to bring, they need car insurance as part of their protection.

If the college student is taking one of your own cars, you have to call your insurance company and give them the situation you are into. And as for your child bringing his own car that you just bought, you must tell the insurance company the situation of your child, that he is about to go another city. Whereas, failure to inform these things will cause you extra money from your own pocket. There’s also a possibility that your family car insurance policy covers a car that your child will be driving to college as long as it is registered in your name. But if the car has changed location, then expect to have a change in your premiums. You have to tell your insurers that the car will be in another city, for they will base the difference of your premium on the rate of car accident and car theft.