What is going to Happen If you Don't Have a Car Insurance?

Car insurance is pricey! there is no doubt about that fact. But like taxations, it is one of those things that we just have to pay. It may seem like an easy option to just let your insurance glide, especially when facing financial difficultnesses as many Americans are today. But the reality is, that if you own a vehicle or drive , you must be insured.

The consequences for driving without insurance vary from state to state, and perhaps even county to county. You are required to picture validation of insurance anytime you are held on by a police officer. In the event you do not have insurance , you will at a minimum be brought up and have to appear at court . The court fees are your obligation, along with any amercements. And they will draw you to get the insurance you should have had in the first place, and that is if you are lucky. In some countries driving without insurance will not only cost you court fees, amercements and the cost of assuring your vehicle but also vehicle impoundment fees, loss of permit and jail time . And this is just thinking you simply get pulled over for a traffic blockage.

The real harm is done if you are in an accident without having appropriate indemnity. You could find yourself responsible for the damages to your own car , other automobiles involved in the accident , medical bills for yourself as well as other people involved in the accident ... the list goes on and on. Medical bills alone for one individual in a serious accident can run into the hundreds of thousands. In the blink of an eye, you can find yourself in the midst of a legal and fiscal nightmare , and simply put , missing everything you have worked for including your household.

Getting a car insurance does not have to be highly expensive, although if you have gone without coverage for more than thirty days you will likely pay a higher bounty than someone who has held the minimum amount required by law . Look into your states necessities, and at the very least transport those amounts of insurance on your vehicle .

Unless you make automobile payments , you can broadly get by with basic liability coverage . Depending on several factors including the type of auto you drive, your driving track record, your life style (a partner and children will pay off for you in this regard ), and your age basic financial obligation may cost you as little as $ 50 a month. Shop around and get quotations from a minimum of five companies , even more if you do not find a quote you are satisfied with.

If you utterly can not afford car insurance, look into other transport methods while you get back on your feet financially. No matter how you look at it, driving without insurance is not a jeopardy you should take.

You're Coming to Florida on Holiday? Things You Should Know before you Rent a Car

You're planning a two-week holiday to Florida for entire family. You book your flight, insure your trip with travel insurance, make hotel reservations, reserve your rental car, and even know exactly what you want to see at Disney World. The day finally arrives and everyone is so excited when you land at Orlando International Airport. You proceed to baggage claim and - you're in luck! Your luggage has arrived on the same flight as you, so you head off to the rental car counter.

Here the rental car agent behind the counter will ask for your driver's license and will begin to ask you several questions about what kind car insurance do you want to take. There's collision, liability insurance, and something called UM (uninsured/underinsured motorist). What should you do?

The first thing you should know is that your travel insurance may not provide the coverage you need in the event that you have a road traffic accident in your rental car. It does not protect you if you are hurt from the fault of others. Your NHS will not provide protection for your family either. In order to have adequate protection for road traffic accidents, there are two types of insurance you will need:

The first is liability insurance. This will protect you and your assets should you cause a road traffic accident and harm someone else.

The second is the uninsured/underinsured, or UM, insurance. You can purchase one million dollars ($1,000,000) in coverage for only a few dollars a day and it is your only protection against bad drivers. What you probably don't know is that the State of Florida allows drivers to own and operate a vehicle without bodily injury liability insurance. This means if you are involved in a road traffic accident with a Florida resident who has no auto insurance, you would virtually have no protection without UM insurance.

Now that you have the proper insurance on the rental car, what should you do if you are in a road traffic accident? It would be best that you not handle your claim alone. It would be most advantageous for you to contact a lawyer who has experience handling road traffic claims for UK and other foreign visitors.

Click here to find more information about rental car accidents and auto accident attorneys [http://www.whkpa.com/contact.html].

How Much Will Car Insurance Go Up With a DUI?

The increased cost from a DUI conviction varies between car insurance policies. The major causes for the range in prices are: Penalties (points) applied to policies impacts rates in different degrees. Coverage requirements for DUI drivers are determined by state law. Companies which non-renew policies after a DUI jeopardize renewal discounts. Additional factors encountered depend on the insurance company and state the DUI car insurance policy is issued in.

The number of points assigned to a DUI conviction and their incremental rate increase depends on the underwriting rules and guidelines of each company. Consistently though this type of conviction is severe and triggers the highest risk category. Companies who have no "appetite" for high risk drivers charge astronomical rates in this grouping.

Increased coverage requirements depend on which state you reside in. In Florida a convicted driver must purchase 100/300/50 liability and in Virginia 25/50/25. DWI insurance Texas requires 30/60/25 and in other states it's only 10/20/10. Some drivers may already have high liability limits before a conviction. The 100/300/50 coverage represents a huge increase to a driver carrying the minimum limits in Florida. The financial responsibility requirement for DWI drivers in Texas of 30/60/25 is the same for all drivers.

Generally, a DUI conviction will not cause a non-renewal, however, the accumulated effect from existing points often does. Some companies will only extend a prior insurance discount when a renewal offer has been extended. Other varying underwriting guidelines and rating tiers impact the cost of a policy to one degree or another.

In addition to coverage amounts there are different requirements from each state for the DUI insurance policy. In Florida the new FR44 form for DUI drivers separates the requirements from the more commonly used SR22 form for all types of infractions. The FR44 form, also used in Virginia, has more rules and restrictions that ultimately increase the price of a DUI car insurance policy. Another expensive example of differing state requirements is the $1,000.00 annual fine (for 3 years) Texas DWI drivers are subjected to.

How much car insurance will go up with a DUI comes down to how well a policyholder in this circumstance shops around. Knowing the reasons for the differences can help build a strategy to lessen the impact of a rate increase. Fortunately many companies do not discourage DUI / DWI applicants and compete for these polices.

For additional information and shopping strategies visit Florida DUI insurance and DWI insurance Texas. Also, please feel free to contact our agency by telephone for a no obligation DWI or DUI car insurance quote.

Do I Need Motorcycle Insurance in Florida?

The road can be a dangerous place for bikers. Florida is no exception, by any means. In fact, Florida exemplifies the numerous dangers that face motorcyclists on the road. Along with the rapid growth and development of many parts of Florida, especially along the Pacific Coast and the Bay Area, come more motorists. Any experienced biker knows that it doesn't matter how skilled you are on your bike, you can't control the incautious motorists in their cars that just don't seem to pay attention to bikers.

Everyone hopes to avoid a major accident, but the knowledge is always there that sometimes things just happen. Most bikers take every precaution with safety gear and making sure that they are keenly aware of other motorists on the road. However, when the worst happens, a motorcyclists needs to be protected with adequate Florida motorcycle insurance.

Is Motorcycle Insurance Required in Florida?

Florida is one of only two states that currently does not require that bikers carry motorcycle insurance. However, the "PIP Law" is applicable to bikers. This means that if you drive a moped, motorcycle or a motorcycle with a sidecar then you are subject to Florida's No-Fault financial responsibility law. So, while you are not legally required to carry insurance, it is highly advisable.

Why is it so important to carry Florida motorcycle insurance even though the law doesn't require it? Because if you are in an accident, arrested for DUI or pulled over for any other offence that falls under the circumstance outlined in Florida's Financial Responsibility Law, chapter 324, then you could be subject to heavy penalties.

What If I Don't Have Florida Motorcycle Insurance?

Motorcyclists that fail to carry Florida motorcycle insurance with coverage for property damage and for bodily injury liability can lose their license, tags and registration. They can also be held liable to make financial restitution for damages and injuries. Those who receive such penalties may also find that they then are required to demonstrate proof of SR22 high risk liability insurance coverage for a period of 3 years in order to even keep their license, regardless of whether they continue to retain ownership of their bike or even a car.

This means that choosing to not carry Florida motorcycle insurance leaves you at risk of losing your ability to ride or can force you into getting much more expensive insurance than if you simply chose to get basic property damage and bodily injury liability coverage voluntarily. So, the freedom to not carry Florida motorcycle insurance is really a catch-22 for Florida bikers. It's like wearing a helmet - just because you don't have to, doesn't mean it's smart to not do it. Failing to carry basic insurance is a really foolish risk.

Other Consequences

You can lose a lot more than your license and your ability to carry low-risk/low-cost insurance, too. If you damage someone's property or injure someone with your motorcycle and aren't carrying Florida motorcycle insurance then you are liable for 100% of the cost of paying for damages, legal expenses and medical expenses for the other party. Court fees, replacing lost property and medical bills can pile up very quickly. Without Florida motorcycle insurance to absorb the bulk of the cost, you're unfortunate motorcycle wipe-out can turn into a complete financial wipe-out too.

Trying to save money? Switch to an independent insurance agent and save up to 40% by visiting Clermont Car Insurance for your car insurance needs. For other types visit us at Orlando Health Insurance and more.

Temporary Car Insurance - Be it Business Or Holiday, Keep it Covered Always

Car Insurance is for life of the car. What if there is no car and you still need insurance, may be for another car you are going to pick-up on your holiday. Then you need temporary car insurance.

Every driver must have an insurance for each car they step into, be it yours or borrowed. It can save you a lot of worries and money in case of some unfortunate incident. You could be traveling from Florida to Mexico for a week and your current insurance may not cover Mexico. The option is to add on an extra temporary coverage to your existing policy.

If you have just made some last minute plans, luckily many companies offer online temporary insurance. All you have to do is click and buy the insurance in minutes.

It could be for a 2 day conference or a 4 week holiday, temporary insurance can handle all. If you are backpacking just around the border, a temporary border coverage is what you need to get you started.

Travelling overseas, then make sure your insurance is sorted before you leave. So you can enjoy your holiday and worry less about your safety.

Is it your first card or are you planning to by a second car? Drive-away insurance is a must for new cars, because nothing can be worse than losing your car.

Many a times if you are just borrowing a friend's car, you should be able to just add on to their existing policy for a few days. Check with the insurance company. If you cannot take your car with you, some insurance companies also allow temporary additional cars.

There are heaps of websites which provide this service, you could compare and choose the best bargain to suit you.

Every driver, every car, every time - an insurance policy to cover them both. Does not matter if the car is old or new, if the driver is new or old, always cover yourself.

Recommended reading: Temporary Car Insurance http://www.autoinsurance-review.com/

Florida No-fault Insurance - 3 Facts You Must Know

As you are probably aware, Florida is a No fault state for car insurance. The principal idea behind the No fault insurance law is to compensate the covered by insurance party in an accident, irrespective of who is at fault. The insurance plan limits and the particular situation will determined what the pay out amount should really be.

In the Sunshine state, the minimum required liability is very low - only $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL). It is not difficult to see that in case of a serious accident, when you need your insurance the most, these limits will hardly be sufficient. Its highly recommended to buy cover well above the required minimum.

The essential information apart, here are three things you may possibly not know about Florida No fault Insurance.

1. You can still take legal action against the at fault driver - Its wrong to assume that you can't take someone to court simply because of the No fault law. Of course, certain conditions must be fulfilled. There are 2 types of thresholds you must be aware of. Verbal threshold, death or significant disfigurement, and monetary threshold - big dollar amounts for medical expenses.

2. If asked, you must agree to independent examination - Independent medical examination is a crucial part that makes the Florida No Fault law work. Its your insurance company's right to select a medical professional and request an unbiased examination. If you decline to be examined than your insurance policy will be terminated.

3. You are not protected 100% by Personal injury protection - Its a widespread mistake to assume that Personal injury protection will cover all medical charges and fees. In reality, PIP only covers 80 percent. Don't forget you have deductible too. Here is a quick illustration.

- Total Medical Expenses:$5,000
- Percentage payable under PIP statute:80 percent
- Benefits due but for the deductible:$4,000
- Less deductible:$1,000
- Benefits payable:$3,000

Understanding Florida No Fault insurance law will unquestionably help you find the ideal insurance plan for you. Don't rush to buy an insurance policy until you feel confident you have made the right choice. Ask your insurance broker as many questions as possible. Comparing plans and quotes is the crucial. You need at least 3 from different insurance companies.

For more information and instant quotes please visit Florida No fault and SR22 Insurance.

Florida Auto Insurance - State Required Cover

Florida auto insurance minimum cover required by law is one of the low ones, especially if you compare them with those of states like Alabama, Alaska etc. If you intend to drive legally in Florida, you should know what these state required minimum coverages are.

First, the state requires a minimum of $10,000 in Personal Injury Protection. Unlike the minimum requirements in other states, this cover covers you in an accident without regard to who was at fault. Medical expenses, lost wages and some other related expenses are taken care of by this cover. There is also a $5000 death benefit should the need arise.

Next is the $10,000 minimum required in Property Damage Liability Cover. This cover however, takes care of damages done to other people's properties as a result of an accident caused by you. Some of the items regarded as property include telephone poles, fences amongst other things.

A person could easily get these covers and feel they have done all they should. This is far from wrong because in many cases this minimum cover is not sufficient to handle the liability that arises from an accident. Even if it does, remember that any damage to your own property would not be covered. You need more cover both for yourself and to save you the possibility of losing your savings, future wages, home etc to huge liabilities you were not insured against.

Talk to your insurance agent about getting more cover. There are options like Collision, Comprehensive and more.

If you are worried about the high cost of auto insurance, then you can try to get a more affordable auto insurance cover by getting and comparing quick auto insurance quotes. Auto insurance quotes help you find the best rates available. In addition to this, you can also get discounts from you insurer which would further reduce your rates. These discounts are available when you take some actions or when you have achieved somethings. For example, get a good credit score and your rate would be affected. Improve your driving by taking a course in defensive driving and also earn a discount. There a lot more discounts available for you to reduce your rates with. To know more about discounts, talk with your insurance agent.

Every driver in Florida has access to a wealth of information if they just call the Florida Department of Financial Services at 800-342-2762. Take your auto insurance seriously.

Get More Information From These Site While at it, you can also get quotes. Florida Auto Insurance Auto Insurance Quotes Chimerenka Odimba is the publisher Several finance based sites.

Car Insurance Rates Increase During a Hard Market

The car insurance marketplace periodically changes from a "soft" market to a "hard" market. What is happening right now in Florida is an excellent example. After years of a soft market as indicated by reduced rates and relaxed rules a hard market now exists. Rates are on the rise and rules for qualifying are strict. Most consumers will experience a rate increase. Shopping and switching companies to maintain or lower rates will be more challenging in 2010 for Florida drivers. Hard and soft markets periodically shift from one to the other in all states. Unfortunately for Florida drivers they are now experiencing a shift away from a soft market.

The primary culprit responsible for the current market in Florida is Fraud. Companies are adjusting rates and rules to compensate. Personal Injury Protection (PIP) coverage is the main target for phony claims in Florida. $10,000 of this coverage is mandatory in the state. PIP pays policyholders and their household residents for bodily injuries after an accident. Policyholders in Florida receive PIP benefits from their own policy regardless of fault in an accident. Fraud is a contributing factor in a hard market for any state not just Florida.

Consumers can expect increased underwriting (investigation) when purchasing a new car insurance policy during a hard market. Progressive now requires a photo ID for Florida applicants to verify identity for a PIP policy. Infinity insurance company will now conduct phone calls to Florida policyholders to verify application information. A variety of new measures is underway by most companies to combat fraud in the Sunshine state. Until these counter measures begin to reduce fraud the current market condition will persist.

The last hard market in Florida occurred in 2000 - 2001. This is a time when a conservative and well-informed insurance company can gain market share from competitors. Companies that demonstrate rate stability during this hard market will be rewarded with new customers and retain existing ones. Consumers who seek out these companies will reduce their car insurance cost over the long term.

During the last hard market in Florida, Mercury Insurance Group was a "stand out" company providing excellent value. They have provided rate stability for Florida drivers ever since and will likely grow during this market. Infinity insurance company is poised to be prominent this time around. There is good value in a hard market for those who shop thoroughly. The two companies mentioned here would not be the only ones.

Florida drivers should expect a rate increase at their next car insurance renewal. Fraud associated with PIP coverage in Florida has always been problematic and is on the rise. Sensible rates from quality companies are available in a hard market for those who shop thoroughly. This basic principal applies in any state where you may reside.

In response to changing market conditions, our auto insurance agency, http://floridaautoplusinsurance.com, now represents Infinity insurance company. Intelligent and strict underwriting enables Infinity to maintain low rates during these challenging times. Florida auto insurance quotes are our specialty.

Florida Auto Insurance - Coverage Limits, Most Stolen Cars, City Information

Consumers who are waiting to buy Florida auto insurance know that they have many options in front of them. With so much to think about, deciding what to do next is not always an easy task. That being said, Florida is one of the best places to live if you need to shop for coverage. The reason for this is simple: there are many companies that sell policies, and the average cost is not nearly as high as you would think.

The first thing to know about Florida auto insurance is that you should be shopping based on where you live. For instance, if you live in the biggest city, Jacksonville, the way you shop is going to be different than somebody in a small town. But no matter what, you can use the internet to find your next policy.

No matter where you live, your driving history will have a lot to say about how much you pay. Have you been in a lot of accidents? Do you have points on your license? If so, expect to pay more than those with a perfect record.

Important Florida car insurance coverage limits:

Property Damage Liability: $10,000 Limit
Personal Injury Protection: $10,000 Limit

Also, these cars are the most stolen in the state. If you drive one of them you are probably going to pay more for coverage:

1. Honda Civic
2. Honda Accord
3. Dodge Caravan
4. Toyota Camry
5. Chevrolet C/K 1500

Car insurance is most expensive in these Florida cities: Jacksonville, Miami, Orlando, and Tampa. That being said, there are ways to save.

If you truly want to get the best deal you should do what you can to compare as many Florida auto insurance quotes as possible. This will lead you towards the best policy soon enough!

By receiving Florida auto insurance [http://www.autoinsurancelocations.com/category/florida-auto-insurance] quotes online I was able to save $105 per month! To do the same, visit AutoInsuranceLocations.com and enter your Zip Code. Within a matter of seconds you will have quotes that will help you save as much as me, or more!

How Does Florida Personal Injury Protection (PIP) Work?

Insurance and law are two of the most confusing things on the planet. This article is meant to help Florida residents understand personal injury protection also known as PIP.

So how does PIP work?

Florida Law requires that all owners of a motor vehicle with four or more wheels to carry a minimum of $10,000 of Personal Injury Protection (PIP) and $10,000 of Property Damage Liability (PDL).

A common misconception is that if you are in a car accident and the person is at fault then their insurance will cover everything. This is definitely wrong!

Florida is a no-fault state which means that your own PIP coverage is the primary coverage and will cover up to 80% of your own medical bills up to the limits of your policy; regardless of who is at fault.

Another caveat is depending on the coverage held by the at-fault party (i.e. the person who caused the car accident ), their insurance may ultimately cover damages to your automobile and/or other property and their own medical expenses. Also if a demand is made on your behalf, you also may make a recovery for current and future treatment, pain and suffering, and lost wages. You will definitely need an attorney who is highly skilled in handling personal injury cases if this is to happen.

In addition to covering a portion of your own medical expenses, your PIP will cover your child, members of your household, and passengers who may not have PIP Insurance as long as they do not own a vehicle. Also note that passengers in your vehicle and certain licensed drivers who drive your vehicle with your permission who have PIP will receive coverage under their own PIP for their injuries.

Two other instances where PIP may also apply would be:

1) If your child suffers an injury while riding on a school bus, and

2) If you suffer an injury in a crash involving a motor vehicle while in someone elses vehicle, as a pedestrian, or as a bicyclist.

Now most people think that their PIP insurance premiums will rise as a direct result of a car accident [http://www.docstringer.com/car-accident.html] claim and use of their PIP. PIP (a.k.a. No Fault) insurance is intended specifically for that purpose and will not increase due to use of it.Your health is your most important asset that you have.

If you are injured in a car accident, do not hesitate to contact Dr. Stringer to discuss your injuries and for a referral to an attorney who can explain to you your legal rights.

Dr. Stringer has a mobile chiropractic clinic in the Sarasota, Florida area. He is the ONLY Sarasota chiropractor to offer 100% in-home chiropractic, massage, physical therapy, and balance testing to his patients. His clinical focus is in auto injuries and balance disorders. He has been treating auto accident patients and other in Sarasota since 2001. The information in this article was not prepared by a legal professional and should not be construed as legal advice. If you are unsure of any information contained in this card, you should consult your attorney first.

How To Get Low Cost Auto Insurance In Tampa Florida

Looking for low cost auto insurance in Tampa Florida? Want to know how to get the cheapest rate with a top company? Read on ...

Minimum Auto Insurance in Tampa Florida

The least amount of auto insurance you're required to carry in Tampa Florida is:

$10,000 bodily injury liability coverage for one person - This is the maximum amount your insurance will pay when you injure or kill someone in an auto accident. It also covers people driving your car with your permission.

$20,000 bodily injury liability coverage for everyone - This is the maximum amount your insurance will pay for everyone you injure or kill in an auto accident.

$10,000 property damage liability coverage - This is the maximum amount your insurance will pay when you damage someone else's vehicle in an auto accident. .

Personal Injury Protection - This coverage pays your medical expenses and your passengers medical expenses when you're involved in an accident. It also pays you and your family's medical expenses when you're injured in someone else's car or while walking.

These are the minimum amounts of insurance you need to carry in Tampa Florida, so if you want the cheapest insurance this is all you need to buy. However, you may also want to carry the following coverages:

Collision coverage - Pays for repairs to your car when it's involved in an accident with another vehicle no matter who was at fault.

Comprehensive coverage - Pays for repairs to your car caused by fire, theft, vandalism, and acts of nature.

To save money on collision and comprehensive coverage, increase your deductible to an amount you can afford to pay if you were to file a claim

Low Cost Auto Insurance in Tampa Florida

Premiums for the same insurance coverage can vary significantly from one company to the next, so in order to get the best rate on your auto insurance you need to compare rates from different companies. The easiest way to do this is to go to an online comparison website. There you can get rate quotes from A-rated companies and even get answers to your insurance questions from insurance experts.

Visit http://www.LowerRateQuotes.com or click on the following link to get low cost Tampa Florida auto insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on low cost auto insurance in Tampa Florida.

Teen Auto Insurance in Florida - What's So Different?

If you do not already know, Florida is a no fault state. This means that there are some requirements that Florida might have that other states do not. If you are currently looking into getting insurance to cover your teen that just got their license, here are some things to keep in mind. Some of us have not had to purchase insurance in a while!

Florida Requirements:

- Your teen must have a learners permit before being able to obtain an official license. Not only do they have to get a learners license before, they have to carry it for a whole year.
- After you have your license and ready to drive, you need to get the following:

1. PIP coverage, also known as personal injury protection.
2. Bodily Injury Liability: $10,000.

( Note: you must always check with an insurance agent to see if there have been any changes).

Although the minimum requirement is not that much, if you were to be in an accident, you could find yourself in a compromising position. Being that you are insuring a young, inexperienced driver, it is especially important to make sure you have all your ducks in a row and covered on all fronts in case of an accident. We hope our children and ourselves will not ever have to experience an accident. Often, more times than not, a person will experience an accident or "fender bender". This is a higher risk with teens. Numbers show that teens are at a much higher risk for causing accidents due to negligence. Distraction such as friends, phones, etc. are very prevalent amongst kids that age. Finding the right balance for your teenager's auto insurance coverage and your wallet is sometimes a challenge.

It is recommended that along with the required insurance, you should carry: Uninsured motorist, Comprehensive, Collision, and Bodily Injury Liability. If you are making payments on a financed car, it is already a requirement that you must carry full coverage. Depending on the year and condition of your car, it might not make sense to carry collision or comprehensive insurances. Sometimes, book value for cars is much less than the deductible it would cost to get the car fixed. Or, in another instance, if your car were totaled, you would have put more into coverage than your car is even worth. Check the specifics on all the different options available.

Also, make sure you take advantage of the money savers stated before. Good grades and a safe vehicle are a good way to reduce a teenager's auto insurance rate. As a policy holder yourself, you can look into multi-car discounts, insuring your home and car through the same company, if applicable and making sure you are getting appropriate discounts for the safety features in your car. Another common money saver that people tend to over look is AAA. Although AAA is not the only auto club; it is the most recognized. Sometimes clubs can save you money on an auto insurance policy just as they do for an amusement park ticket!

If you are wanting to check Florida car insurance prices go to my website, put in your zip code, choose one of the companies that come up, and fill out one of their forms. It's free and cant hurt any, you might even save some money. Check it out here ---> Click Here

Car Insurance Naples Florida - Paying Less By Choosing The Right Car

It's really a pity that many folks are actually paying a lot more than they should for their car insurance in Naples, Florida. If you realize that the loss could run as high as $1000 then you'll see how painful it could be. This article will show you how to start saving some of those hard-earned dollars by using some smart advice in your car insurance Naples, Florida...

There are so many different cars. There are so many different models. Each comes with a different level of prestige or otherwise attached to it. Have you checked if this will affect the car insurance premium you'll have to pay? Have you bothered to ask how much less car insurance (Naples, Florida) rates you would have been paying if you used a similar car by a different manufacturer?

Insurance companies have separated various cars into groups. Although this could be different in some countries, you have about 20 different groupings for cars. Each group has a rating which is used to determine the premium you have to pay. If your car is in a group that is rated for high premiums, you get to pay high car insurance premiums. Here's a list from Reuters based on the best-sellers in US. It lists the ten least expensive cars to insure in the US...

1. Chrysler Town & Country

2. Chevrolet Cobalt

3. Dodge Caravan

4. Chevrolet Impala

5. Ford Taurus

6. Ford Econoline

7. Jeep Grand Cherokee

8. Chevrolet Malibu

9. GMC Sierra Pickup

10. Toyota Corolla

On the other hand, the following are the most expensive to insure (No 1 being the most expensive)...

1. Ford F-Series

2. Dodge Ram Pickup

3. Ford Explorer

4. Honda Civic

5. Chevrolet Silverado-C/K Pickup

6. Toyota Camry

7. Honda Accord

8. Chevrolet Trailblazer

9. Nissan Altima

10. Ford Focus

If you have been having some difficulty choosing between two cars that eventually fall into the different lists, you can now easily go for the less expensive to insure. That is, if getting the best car insurance Naples Florida rate is your target.

Your cars of preference may not be in any of the lists above if they are not one of the 20 best-sellers in the US. That's not the focus here really. All we have tried to do is to show you how important it is for you to factor in how much premium a car could cost you before buying one. It could amount to so much on the long run.

You can get this information without leaving the comfort of home. All you have to do is visit insurance quotes sites and get different quotes for comparable cars or you can even ask your agent.

If you already own a car do you know that you could be saving close to $1000 or even much more in car insurance Naples Florida rates just by getting and comparing many quotes?

Here are my favorite pages for auto insurance quotes... InsureMe Auto Insurance Quotes Hometown Auto Insurance Quotes Publishers can get unique versions of my articles by following any of the links above. Click on "To Use My Articles" when you get to my site. Chimezirim Odimba writes on insurance.

How to Get Cheap Car Insurance in Jacksonville, Florida

Unless you own and operate a taxi cab or limousine in Jacksonville, Florida you have to have car insurance on your vehicle. For many motorists the thought of shopping around for a car insurance policy causes a great deal of stress. The insurance business is a serious one and for those who don't understand the basics of coverage, finding cheap car insurance in Jacksonville, Florida can be virtually impossible.

There is a minimum amount of car insurance that everyone in Jacksonville, Florida must have on their car or truck. This is $10,000 property damage liability as well as the same amount in personal injury protection. For anyone looking for the cheapest car insurance policy in this city, this is what they'll want to go with.

The biggest drawback to having a policy that only offers such minimal coverage is that if the driver is involved in a very serious accident that is proven to be their fault, they might be facing personal financial hardship trying to cover the loss. For this reason, buying a more far-reaching plan will utilizing discounts is often a better approach.

As in most locales, discounts are offered on car insurance in Jacksonville, Florida for those who prove they are responsible. The best way to do this is to try and avoid all accidents. This is easier said than done at times, but it's mainly about paying attention to the road and not being distracted. When a motorist shows they are responsible by having a clean driving record, the insurance company they are requesting a quote from, will be more likely to offer a fair rate.

The same is true of those who have a small collection of speeding citations. Each and every one of those citations can add to the cost of car insurance. For cheap car insurance in Jacksonville, Florida being a safe driver is the key.

Florida Car Insurance - It Is An Offence To Drive Without It!

Florida car insurance companies demand the minimum requirement from drivers living here. This includes demise, injury that amounts to $10,000, one accident amounting to $20,000, and just $10,000 for damage of property. In Florida, you need not carry collision or comprehensive on your car.

Requirements For High-Risk Drivers

As per policy, you will be required to pay a hefty sum as premium, if you are categorized as a high-risk driver. The auto insurance companies here ask you to submit every detail of your vehicle to become eligible for getting insurance. The companies integrate all information from drives across Florida and feed it into a computer. It helps them to decide rates for their insurance policies by categorizing the drivers as good, moderate, and high-risk ones.

There are certain insurance companies who refuse to insure high-risk drivers. But, as insurance is a must, you should not stop your efforts to find a company that agrees to insure your vehicle. In case your driving record is bad, the company will charge you a high premium. This hold true for singles too. Therefore, when driving in Florida, you need to be very careful about violating driving rules, or else you will get insurance at a rate that might burn a hole in your pocket.

Must-Have Documents For Florida Drivers

It's compulsory to carry indemnity proof while driving on the roads of Florida. Absence of this document is a grave offence here and can lead to suspension of your driver's license and/or fines. The judges of Florida are famous for imposing strict sentences to offenders. There have also been instances of cars without insurance being towed away.

Besides, you need insurance proof while renewing your number plates or licensing a new vehicle. It's a liability. Every state has its own set of punishment for drivers who fail to produce satisfactory proof of their car insurance. So, check your papers before you start the engine!

For drivers here, Florida car insurance becomes one of the most important documents without which they cannot drive on the streets. If you meet with an accident in any part of America, you will be subjected to the same penalties. However, your Florida insurance proof is recognized throughout US. It comes in a handy tool when you are issued a speeding ticket too. So, if your car is still without insurance, you better get one!

Miami Car Insurance Quotes and Rates in Florida Are Unique

A combination of factors are responsible for making Miami car insurance quotes and rates unique from any other city. These situations materially affect the automobile insurance premium.

Traffic
As the only Florida city to rank on the top 10 list for traffic congestion, Miami placed No. 9 in a report by the Texas Transportation Institute. An increased number of cars moving about boost the chance for accidents. Also, traffic leads to driver aggression caused by frustration and impatience and this too increases the chance for accidents.

Tourists
The sub-tropical climate in Miami makes it different from other major USA cities. Approximately 12 million visitors per year ranks Miami, Fl as one of the nations top vacation destinations. Florida's tourism industry provides a huge rental car market. Thousands of people driving in unfamiliar vehicles and surroundings are a combination that increases the likelihood of accidents.

Foreign nationals
There are a staggering number of people from another country who live in Miami, Florida permanently. In 2006 Miami-Dade County, Florida had the highest percentage (50.3 percent) of foreign born residents relative to the total state population (Migration Policy Institute). Many of these drivers do not speak English, do not understand the "rules of the road", and never obtain a Florida drivers license. These realities increase the hazard of car accidents.

Senior citizens
The climate in Miami, Fl not only attracts tourists and foreign nationals, it is a haven for senior citizens. As older drivers age, experience and caution does not compensate fully for impaired eyesight and slow reflexes. Once again, the chances for an accident are increased by this fact.

Automobile theft
According to the National Insurance Crime Bureau (NICB), Miami, Florida is the number one city for automobile theft. The port of Miami and an elevated number of high profile vehicles in the area contribute to this unsettling statistic. Higher risk necessarily translates to higher insurance premium.

Fraud
Fraud and abuse have permeated Personal Injury Protection (PIP) coverage which is required by Florida law. Medical, legal and other escalating costs associated with PIP materially affect the auto insurance premium in the Miami, Fl area. The Florida Department of Insurance has battled against this fraud for decades without much success.

Not all the aspects outlined are exclusive to the Miami, Fl area, however, the combination of them make Miami car insurance quotes and rates unique.

Author, Clifford J Schimek is President of Florida Auto Plus Insurance agency, a family owned and operated Miami auto insurance agency. For additional helpful Miami Florida auto insurancepolicy information please follow the links and give us a call or visit in person. We are authorized agents for Progressive, Travelers, Mercury and 21st Century insurance companies. Accurate quotes with competitve rates is just the beginning. Our level of personal service and attention to detail is simply unmatched by most other Florida insurance agencies. We offer up-to-date quote comparisons upon each renewal interval. Lower your car insurance cost for life with Florida Auto Plus Insurance agency.

What is the Cheapest Car Insurance in Florida?

There are several ways of finding the cheapest car insurance in Florida, but the easiest way is to compare quotes online. When getting your quotes, you need to be certain to meet the minimum requirements set by Florida law. Your personal driving habits, location and age will all be factors. Once you know what type of coverage you need, you can begin to find the affordable coverage by following these tips.

Florida requires a minimum of $10,000 in liability coverage for property damage and another $10,000 of PIP (Personal Injury Protection). There are many seasonal residents who only live in Florida part time. The legal minimum requirements also apply to anyone who lives in Florida for at least 90 days out of the year. Of course, the way to save the most money up front is to stick with those minimal requirements. Any additional coverage will raise your rates.

Another method cost cutting is to pay a higher deductible, and get lower monthly premiums. Just make sure you have to funds to cover the deductible if you need to. When you do get quotes for at least the minimum requirements and from different rates from several insurance providers, make sure the deductible amounts you compare are similar. Florida law only requires the PDL (property damage liability) and PIP, so unless your lender requires you to carry comprehensive and collision these are not mandatory.

Is there a single company that offers the cheapest coverage? GEICO, Progressive and Traveler's all over significant discounts that help many Floridians. However, your best bargain in Jacksonville may be different from the best value for a driver in Pensacola or Melbourne Beach. If you are a senior, you may find that the one provider offers the cheapest prices for you, while a student at the University of Florida will get a more affordable rate from another provider altogether.

Keep in mind that finding the cheapest car insurance in FL does not only refer to price. Cheap car insurance from a disreputable company may very well end up being worthless. Before purchasing a policy, check to make sure that the provider is licensed to do business in Florida and has a strong financial rating. Once you find the Florida car insurance at the cheapest rates, then see if you can afford to purchase higher limits than the minimum requirements to give you greater financial protection. Even a little extra insurance now will save a lot if an accident occurs.

By requesting quotes online you change the different types of coverage in order to find an adequate plan at affordable rates. To start getting rates for cheap car insurance in FL, compare quotes now.

Affordable Florida Car Insurance - Teen Drivers, Pay Less

Affordable Florida car insurance for teens isn't something folks expect to see all the time. However, there are proven steps that will guarantee a teen enjoy lower auto insurance rates. Here they are...

1. Lower Mileage...

Use the public transport system anytime possible. Your mileage is a strong point in working out your risk to an insurer. The more your mileage, the more the probability that you'll make a claim in a short while. The lower your risk to your insurer the more affordable Florida car insurance rates you'll get.

2. Good Grades...

Students who make excellent grades get reduced auto insurance rates. .

3. Safety Features...

Ensure you get a car that is equipped safety devices. Let your insurer be told if you have such in your car. Since they will keep you and your vehicle safer they are thus seen as better risks by insurance companies. Those cars will make you get affordable Florida car insurance rates.

5. Smaller Cheaper Cars...

Buy a smaller car. Leave sports cars and other cars that are generally costly to insure. You can buy a similar vehicle that costs a lot less to insure. But as a rule of thumb: Big cars, costly cars, classic cars, vehicles with a high incidence of theft will cost you more to insure.

6. A Course In Defensive Driving...

Take courses in defensive driving. Defensive driving courses that are recognized by your insurer will help you get affordable Florida car insurance.

7. Raising Your Deductibles...

Choose higher deductibles. The higher your deductible the less your vehicle insurance rate. Only take care not to choose deductibles that are higher than you can pay easily. .

8. Getting Many Quotes...

You will definitely get an affordable Florida car insurance rate if you obtain and compare quotes from quotes sites. Visiting a minimum of three quotes sites raise the chances that you'd make bigger savings. This provides you a broader basis for doing better comparisons thus increasing your chances of realizing more savings.

Here are my favorite pages for auto insurance quotes... InsureMe Auto Insurance Quotes Hometown Auto Insurance Quotes Publishers can get unique versions of my articles by following any of the links above. Click on "To Use My Articles" when you get to my site. Chimezirim Odimba writes on insurance.

Florida Car Insurance For the Masses

Florida car insurance for the masses is a mandatory thing in the Sunshine State, which is the nickname that worthy state has been given by those not fortunate enough to live there themselves. Florida is also a big and very frenetic state, in many areas, though there are two distinct types of car cultures in this largest of orange-growing regions in the country.

In the south of the state (Miami and the areas stretching out in a hundred mile radius from the city), the cars tend to be "hotter, " in terms of power and performance and also national origin. Exotic sports cars like Ferraris and Porsches mingle easily with road rocket Japanese high performance small coupes or care "slammed" by racer boys, who power their car's engine with nitrous oxide.

The farther north one goes in Florida, however, the more truck or truck-like vehicles one sees. SUVs or pickups are a common sight up in the Panhandle (Pensacola and the like) region, and minivans ("soccer mom-mobiles") are seen just about everywhere, making them truly the vehicle for the masses. All of this car talk highlights perfectly why Florida car insurance is mandatory, by the way.

But what are the minimum requirements when it comes to insurance coverage for autos owned and operated in the state? Well, there are two parts, with the first consisting of ten-thousand dollars worth of personal injury protection and the second part being ten-thousand dollars of liability coverage. And this insurance must be maintained at all times or a driver's license suspension may result.

But really, who would dream of going without at least the minimum amount of insurance these days? Certainly, with so many people out on Florida's roads it doesn't make sense not to. This is why the state vigorously polices not only its drivers and their insurance coverage but also the insurance agents and insurance agencies which choose to operate in the state.

As a matter of fact, one can purchase auto insurance in the state only from an agent and a company licensed to do business within the state, meaning any insurance on the car that happened to have been obtained in another state - when the car was registered in that other state, for instance - is not considered valid if the auto is registered and operated in Florida.

This law is actually for everybody's good, it seems, as there have been instances in the past where drivers would purchase a quick and very cheap policy written from some out-of-state company and then let the coverage lapse almost immediately after obtained their tags and plates from the motor vehicle registration office. Unfortunately, and as long as there are drivers, people will try to game the system in that manner.

Florida car insurance for the masses is a smart and sensible program that the state oversees with plenty of attention paid to making sure all of its residents out there operating a vehicle carry at least the mandatory minimums when it comes to their vehicles. This is a good deal not only for the state's drivers but also for the state's reputation as a nice place in which to drive around.

Florida car insurance, for the masses an absolute necessity. Find out why on http://www.onlineautoinsurance.com/quotes/Florida.htm

What are Florida Car Insurance Requirements?

In Florida, the car insurance requirements are as follows: $10,000 for personal injury protection, also known as PIP, and $10,000 for property damage liability, also known as PDL.

Floridians are not alone when it comes to having state-imposed car insurance requirements. All states in America require minimum car insurance requirement. While some people choose to satisfy these car insurance requirements by purchasing their policy through an insurance company, other people choose to be "self-insured," or to put down a bond that will cover the amount of the car insurance requirements. How you choose to show proof that you have met your state's car insurance requirements is up to the state.

In Florida, these car insurance requirements must be met by every driver or vehicle owner who wishes to register and purchase tags for his vehicle. No one can opt not to purchase the car insurance requirements by rationalizing he just will not register and tag his vehicle. Vehicles must be registered and tagged in order for the car to operate legally on the roads. The minimum car insurance requirements also apply even if you are not driving your car in Florida, or if your car is not operative. If your car is registered and tagged in Florida, you must have the Florida's minimum car insurance requirements.

Sometimes drivers are required to purchase bodily injury protection, too; these cases usually fall into the hands of drivers who have been in an accident or drivers who have been convicted of an offense such as driving under the influence (DUI) or driving while intoxicated (DWI).

Before you begin your search for a policy that meets Florida's car insurance requirements, make sure you are eligible to have that minimum coverage - not all drivers are. If you have borrowed money to purchase your new car, your lender will undoubtedly require you to purchase more than Florida's minimum car insurance requirements until the debt is paid.

To get free quotes and learn more about insurance please visit the following recommended sites. What are Florida Car Insurance Requirements? This site helps you get the most out of health while maintaining great coverage Changing your career? Here are some tips to keep your life insurance

Cheap Car Insurance in Miami, Florida

If you live and drive in Miami, Florida, you need "Florida Coverage" car insurance. All this really means is that you have to have auto coverage that was issued in the State. You'll need to have this in place when you go to the DMV to pay for the registration.

Although it is relatively simple to find and secure a car insurance policy, most motorists who live in Miami want to find the cheapest rates possible. Although anyone can find a low rate by only buying minimum coverage, this isn't going to be enough should you find yourself in an accident.

If you've already been in one collision in Florida you may actually have to purchase coverage for bodily injury. This is decided on a case by case basis, but it's important that motorists shopping for coverage be aware of that fact.

When you do want more coverage than what the law suggests as minimal, consider using these money saving tips:

o If you only use the car for recreational purposes, tell the car insurance agent this. This often applies to stay-at-home parents as well as the elderly. It costs more to insure a vehicle that is driven back and forth to work each day.

o Elderly drivers can also take a defensive driving course. Miami is a haven for the retired and many Miami based insurance companies realize that more mature drivers may pose a risk. If those motorists take a defensive driving class to proof they are still competent behind the wheel, they may be eligible for a discount.

Although it can be tedious to call different agents to ask for car insurance quotes the savings you can enjoy will be worth the trouble. Many motorists are shocked when they realize that quotes for the exact same coverage can vary by hundreds and even thousands of dollars a year depending on the company. When you know this, it becomes much less of a task to gather those quotes.

Recommended sites for low rate insurance Cheap Car Insurance Quotes in Miami, Florida Cheap Car Insurance for Teenage Drivers

How to Find Cheap Auto Insurance in Florida

Trying to find cheap auto insurance in Florida? Cheap insurance is available in Florida - you just have to know where to look. Here's where to find it.

Visit an Insurance Comparison Website

Think you don't have time to shop around for cheap auto insurance, so you might just as well renew with your same company? Think again!

The internet makes shopping for cheap auto insurance in Florida fast and easy. All you have to do is visit an auto insurance comparison website and fill out one easy form. You'll soon have quotes from multiple A-rated auto insurance companies. You can compare the quotes and choose the best auto insurance at the cheapest price.

If you have questions about your auto insurance, the best insurance comparison websites even have an online chat feature, allowing you to get quick and accurate answers from insurance professionals. (See link below.)

Keep Your Insurance Costs Down

As you comparison shop for cheap auto insurance in Florida, follow these tips to keep your costs down:

* Decide what coverage amounts you want. Go to the Florida Department of Insurance website (fldfs.com) to find out what the current minimum requirements are for Florida.

* If your car is over five years old, consider dropping your comprehensive and collision coverage. If you do want comprehensive and collision coverage, set your deductible as high as you can afford. The higher you set your deductible, the lower your premium will be.

You'll also want to be sure you get any discounts you qualify for. Most insurance companies offer discounts for

* Anti-theft devices on your car.

* Safety devices on your car, such as automatic seat belts and airbags.

* Multi-policy, when you have life or home insurance with the same company.

Ask the insurance professionals at the insurance comparison website if there are other discounts you might qualify for.

Visit http://www.LowerRateQuotes.com or click on the following link to get Florida auto insurance quotes from top-rated companies and see how much you can save. You can get more auto insurance tips in their Articles section. The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on auto insurance in Florida.

FR44 Florida Auto Insurance Facts For DUI Drivers

FR44 insurance requirements
Required liability limits are 100,000 of bodily injury for each person with 300,000 available per accident and 50,000 of property damage per accident. A total combined single limit, i.e. for bodily injury and property damage, of 350,000 also satisfies the requirement. These amounts are ten times what the State considers as being financially responsible for drivers without a DUI.

FR44 insurance cost
The filing (submission) fee for the FR44 form is 15.00 dollars. Other insurance related costs for the DUI driver are significantly more. Additional liability coverage, removal of safe driver discounts, and placement into a less favorable tier (category) with higher premium (rates) can be expected.

FR44 form completion
Insured person information required is name, address, driver license number, and birth date. Insured company information required is name, NAIC code, policy number, FR44 case number, and certification effective date. Additional information indicates which type of two policies is selected. An owner's policy with year, make model and VIN of all vehicles registered and insured. Or an operator's policy applicable to any vehicle not registered or titled to the listed person. Authorized representative signature and date prepared completes form FR44.

FR44 filing
The completed form is filed (submitted) to Florida's Bureau of Financial Responsibility. After June 30, 2009 all insurance companies must report FR44 filings to the state electronically. The DMV does not accept Proof of FR44 insurance from DUI drivers. Companies are required to notify the bureau if an FR44 insurance policy is canceled, terminated, or lapses for any reason.

Miscellaneous FR44 facts
The actual name of the form is the Florida Uniform Financial Responsibility Certificate FR-44. Florida statute 324.023 addresses the FR44 and is applicable after October 1, 2007. Compliance period is for three years. There are no driving restrictions associated with the FR44 filing. Non compliance results in license and vehicle registration suspension. FR44 filing must be on a Florida auto insurance policy. There can not be more than one FR44 or an FR44 and SR22 on the same driver.

Florida Auto Plus Insurance provides competitive FR44 Florida auto insurance quotes http://FloridaFR44.com. For additional related Florida DUI insurance information visit http//www.DuiInsuranceFlorida.com.