Frequently Asked Questions
Though Florida may be known for its sunny weather, its unique insurance laws can make things a little hazy for drivers in the Sunshine State. We'll help clarify your Florida coverage requirements, explain how PIP covers you, and of course, talk about all the car insurance discounts that can save you some major dough.
What information do I need to bring in to renew my Florida Registration?
What information do I need to transfer a vehicle I just purchased from a private party?
How long does it take you to complete my tag and title work?
How do I correctly sign my title over to someone else?
Is it legal to give a car as a gift to a family member, or do I have to put a dollar figure on it (for example $1)?
Does my license plate and registration expire on my birthday or the end of my birth month?
Registrations issued in the name of an individual expire at midnight on the day of their birth date, except for mobile homes and commercial vehicles. Mobile homes expire at midnight on the last day of the month of December. Commercial vehicles expire at midnight on the last day of the month of May (if registered semiannually) or December (for annual registrations). Registration issued in a company name are assigned a designated month and the registration expires at midnight on the last day of that month.
*Late fee’s are not assessed on a registration until the 10th of the following month.
How do I find the best auto insurance for me?
How do I find the most affordable auto insurance for me?
How much insurance coverage do I need?
Your individual needs and situation should dictate how much insurance you need. When you're trying to determine how much insurance to buy, here are a few factors to think about:
- How much can you afford to pay out of pocket? (Choose a deductible that you know you can pay out of pocket. Also, if you choose lower limits, you might be personally responsible for damages that exceed those limits. Consider whether you can afford this possibility, too.)
- Do you make payments on your car? (If you do, you may be required to have Comprehensive and Collision in addition to Liability coverage.)
- What type of vehicle do you drive? (It's wise to have higher limits for vehicles, such as large SUVs, that can cause more damage.)
- Do any drivers live in your house but never drive your vehicles? (You can exclude them from coverage on your policy, which means you won't have to insure them on your policy.)
Why do car insurance premiums change?
Auto insurance premiums change for the same reasons that the price of other goods and services you buy change. Insurance companies incur the same costs you do in buying goods and services, and these costs can ultimately affect your insurance premium. Costs affecting the ultimate price of auto insurance include:
- Medical costs to treat injuries
- Auto repair costs
- Costs to adjust claims
- Uninsured drivers (your policy pays when the other driver doesn't have an Auto insurance policy if you purchase Uninsured Motorist coverage)
Although insurance companies can't directly control these costs, we regularly monitor them to see how they are affecting the costs of the claims we pay. As they change, auto premiums must be adjusted. These costs can affect your auto insurance premium whether or not you individually have had an accident or claim.
Changes you make to your auto insurance policy or coverage may also change the premiums. Adding or removing a driver, buying a new car, moving to a new location or changing how you use your car may influence the cost of your auto insurance.