FAQs About Florida Car Insurance
It’s easy to discuss buying comprehensive car insurance when you have a lot of disposable income. But what can you do about getting car insurance in Florida when you are a low-income driver?
Unfortunately, the state doesn’t offer any specific programs to help low-income drivers pay for their insurance. In a pinch, you can always save money by getting only the minimum amount of insurance required by the state.
Generally, the best bet for low-income drivers is to contact multiple insurance carriers and get as many quotes as possible. By taking a little extra time to do this research, low-income drivers can find the sweet spot between the coverage they desire and the coverage they can afford.
Florida has more undocumented workers than many other states. These workers still need to drive from place to place, especially with the lack of decent public transportation in the south. And that brings us to an important question: Can undocumented workers get car insurance in Florida?
The short answer is no. While there are 15 states (plus Washington, D.C.) that allow undocumented workers to get car insurance, Florida is not one of them.
If you are convicted of a DUI while driving in Florida, you probably have questions concerning your insurance. And the most basic question is simply this: Is it still possible to get insurance?
If you are currently in this situation, then we have some good news and some bad news. The good news is that it is still possible to get car insurance in Florida after being convicted of a DUI. The bad news is that the only kind of insurance you can get is going to be fairly expensive.
After being convicted of either a DUI or DWI in Florida, the only kind of car insurance you can get is FR-44 insurance. Strictly speaking, this is not a separate kind of insurance type. Instead, the FR-44 is a type of endorsement that is added to your insurance after you have been convicted, but it is often referred to as “DUI Insurance.”
When you are required to get an FR-44, you now face higher minimum limits on your insurance coverage. You now need a minimum of $100,000 for bodily injury protection per person, $300,000 for bodily injury protection per accident, and $50,000 in property damage liability protection.
This is usually enough to drive your insurance costs up quite a bit. While it is up to the state on how long you must have an FR-44 on file, you can usually count on a minimum of three years. And this needs to be at least three years of consistent coverage: If you have any lapses on your coverage, it effectively starts that three-year counter over again.
Another factor that adds to the cost is that once you have an FR-44, you typically need to pay for your insurance for at least six months at a time. And this can be a difficult transition if you are used to paying month to month.
Get a Florida Car Insurance Quote Today!
However, it can be difficult to find Florida car insurance that meets your needs without emptying your wallet. And if you’re not careful, you might end up with insufficient coverage and run the risk of major repair bills and hospital bills.
The good news is that finding the right quote is really just a click or a call away. We are happy to help you get started with a quote online. You can also visit the nearest Florida office that is convenient to you. Or if you’d like to get the info you need while speaking to one of our professional representatives, all you have to do is call us at (800) 777-5620 for a quote today!