'Florida No Fault Insurance'

Moving To Florida – Driver License, Insurance And Car Registration

Thousands of people move to Florida every month. Moving to a different state can be stressful at times. To avoid any unpleasant surprises make sure you are familiar with the local laws.

Once you are a resident of the Sunshine State you will have to change your driver license, insure and register your vehicle. You are considered to be a resident when you start a new job, enrol your kids to a local school, live in Florida for more than 6 consecutive months or register to vote.

Obtaining Your Florida Driver License

Florida’s law requires you to change your driver license within 30 days of becoming a resident. Before you are issued a Florida driver license, you must present the authorities with the correct identification and documents. Many new comers experience the frustration of not bringing the right ID and paperwork and end up wasting their time.

1. Primary Identification – Used as proof of your date of birth. For U.S. Citizens it could be a birth certificate issued by a government agency (certificate issued by hospital will not be accepted),US passport or certificate of naturalization. In same cases a proof of citizenship may be required so make sure you carry the appropriate documents. In case your name has changed due to marriage or divorce, again you will need to provide the appropriate paperwork.

2. Proof of Social Security Number - Any of the following will be sufficient – Social Security card, W-2 form, Pay check, SSA-1099 or Non-SSA-1099.

3. Proof of Residential Address – You must bring at least TWO documents which state your current address in Florida. An example of such proof of address is a monthly mortgage statement or rent agreement, Florida voter registration card, Medical or health card with address listed, insurance policy or bill, professional license issued by a government agency, W-2 form or 1099 form, Mail from financial institutions or recent utility bills.

If your drivers license is suspended by another state, the suspension must end before you are issued a Florida Driver License.

Registering Your Car In Florida

The law requires you to change the registration of your car within 10 days of becoming a resident. In order to register your car, you need to visit your local Florida county tax collector’s office. Bring with you your original out of state title, proof of Florida auto insurance and VIN (Vehicle Identification Number) Verification.

The VIN must be physically inspected by a law enforcement officer, a licensed motor vehicle dealer, DMV examiner or county tax collector employee, and even by a provost Marshal or an active military officer.

There are a few exemptions and VIN Verification doesn’t apply to new vehicles, mobile homes and trailers or semi-trailers with a net weight of less than 2,000 pounds.

If your car is less than 6 months old, you may be required to pay sales tax. It all depends on how much tax you have already paid. For example if you have paid 5% in your previous state you will now have to pay an additional 1% in Florida, as the sales tax in Florida is 6%.

Florida No Fault Insurance

As already mention, in order to register your vehicle you must have auto insurance. Your insurance must be from Florida, not another state. The minimum requirements as per Florida No Fault Law are $10,000 of personal injury protection (PIP) ad $10,000 of property damage liability (PDL). If you are coming from New Jersey, New Your or Michigan you will be glad to know that you auto insurance will most likely be cheaper in Florida. On the other hand, if you used to live in Idaho, Iowa or Vermont, you will find Florida auto insurance rates more expensive.

One sure way to save on auto insurance is to compare auto insurance quotes online. Its fast, free and secure. You can even save up to 35%!

What are you waiting for compare Florida No Fault Insurance quotes online now and see how much you could save.

Compare Florida Car Insurance Quotes

Comparing Florida car insurance quotes is the only way to find the best quote for you. It is your responsibility to shop around and make sure you are not paying more than you have to. Afterall, would you spend your hard earned cash on things you really want to rather than giving it to insurance companies?

There are 3 ways to get car insurance quotes in Florida. If you have the time you can always go to your local insurance agents or you can pick up the phone and ring the insurance companies one by one and compare quotes that way. Or you can request quotes only from the comfort of your home and at a convenient for you time.

Getting quotes online will save you not only money but time as well. You don’t have to repeat your information on the phone over and over again. Filling one simple form will allow you to receive quotes from top insurance companies and compare them instantly.

Before requesting Florida car insurance quotes make sure you know the No Fault law, the minimum requirements and what kind of cover you really need. There is no point slashing your premiums to the lowest possible figure if that means in you don’t have enough cover.

What are you waiting for, get your free Florida car insurance quote online now and see how much you could be saving!

Young drivers car insurance in Florida

Most parents are concerned when their teenager reaches a certain age and starts talking about getting driving license. The first concern is safety and the second one is cost. Still, there are steps that can be taken which can make teenagers saver drivers and also lower young drivers’ car insurance premiums.

The first year of driving is absolutely crucial. This is the time when most young drivers pick up bad habits and make silly mistakes often resulting in accidents. Without being over protective try to ride with your child often and make sure he or she drives safely and carefully. It will help them become a better driver and keep a clean driving record, which we all know means cheaper car insurance.

The car a young driver learns to drive on will have a huge impact on their driving as well. Most teenagers want fast and flash sports cars, but as a parent you have to ask yourself is that good for them? Fast and powerful car will not only be more expensive to insure, but will also have a higher risk factor.

As fun as it may seem to teenagers to aimlessly drive all day and just “hang out with friends”, statistics have shown that a young driver is 5 times more likely to have an accident if two or more friends are in the car. Laud music and jokes are not a good combination when an inexperienced driver is behind the wheel. Preventing unnecessary driving will reduce the mileage on you car which in turn will save you yet more money on car insurance.

Did you know that some companies offer discounts for good grades? This is really a win win situation, if you encourage you son or daughter to get better grades they’ll be getting a better start in life AND cheaper car insurance!

Following these simple rules will help you save on Florida No Fault car insurance and undoubtedly make your teenager a better driver.

Florida Auto Insurance Rates

Florida car insurance rates are typically the same as the national average. The average car insurance rate in Florida has gone up from $1,580 in 2007 to $1,685 in 2009.

The good news is that by September 2009 the rates have gone down to an average of $1,544.

However, it is still vital that you shop around to find the best deals and make sure you are not paying a cent more than you really have to. A sure way to find the lowest car insurance rates in Florida is to compare auto insurance quotes online. It is fast, easy and secure.

You will be really surprised at how much the prices can vary and bare in mind you could save between 5% and 40% by filling a simple form and comparing quotes online.

Each company has its own rules but in general their rates are based on your age, sex, marital status, driving pattern, claims history, location, credit history, and the make,and year of your vehicle.

These factors will determine which insurance market you belong to. There are three such markets:

  • Preferred market – Includes low-risk drivers with exceptional driving records.
  • Standard market – Includes the average driver who drives family-type cars and has a good driving record.
  • Non-standard market – Includes young drivers with less experience and drivers with multiple tickets, accidents, and bad driving history in general.

On top of this the amount of coverage you want, your deductibles level, and even your level of education, your occupation and your credit history can all adjust the rate you will pay.

Most drivers for example, do not even realize how their credit score can influence their car insurance rates, but it can, and you should regularly check your credit score before getting any auto insurance quotes to confirm there are no errors. Errors on your credit report could mean you get much worse car insurance rates.

Would you like to save up to hundreds of dollars on your car insurance? Compare Florida car insurance rates online now!