Have you ever gotten a DUI in FL?
i recently pled no contest to a DUI in FL. I have not driven in four months and just pleaded so now its another six. I can hopefully apply for a hardship, so i am anxious to know if anyone has been in this situation, if you have
how many points were put on your license? (in addition to the dui, i had a traffic violation that i tried to Continue reading »
Do I really need auto insurance in Miami Florida?
Auto insurance is really expensive, do I really need it?
I live in Miami, Florida and prices on auto insurance are through the roof. Can I get in any really serious trouble if I drive without auto insurance for a while until I can actually afford it.
Where to buy cheap auto insurance?
Im 19 years old and I have had my license for about a year. I have no speeding tickets and have never been in a wreck. My driving record is picture perfect. I have been driving my moms car and she has had me under her insurance so it was really cheap. But Im getting ready to buy an 06' Chevy Colbat and where I am buying it off a Continue reading »
It’s probably safe to say that nobody wakes up in the morning and decides to have an accident. No, they go about their business until with a screech of tires and the sickening sound of metal being torn out of shape they sit in the eerie silence of a motionless car that’s been abruptly and brutally stopped. That might be the first time they’ve given any thought to Continue reading »
It’s probably safe to say that nobody wakes up in the morning and decides to have an accident. No, they go about their business until with a screech of tires and the sickening sound of metal being torn out of shape they sit in the eerie silence of a motionless car that’s been abruptly and brutally stopped. That might be the first time they’ve given any thought to Continue reading »
Reader’s Question:
I have a 17-year old daughter who’s gonna be under our auto insurance policy and I’m afraid our rates will just go sky-high. What are our options so that we can still be able to afford our auto insurance here in Miami even with a teen driver?
Camren
Miami, FL
It is understandable that teen driver auto insurance is very high since teens don’t have much experience in driving. But you still have options so that you can afford your auto insurance in Miami, and these are:
Increase Deductibles
It is suggested that you get the highest deductible on your auto insurance that you can afford.
Maintain Good Grades
You have to encourage your teen to do well in school so that she can get a good student discount. This kind of auto insurance discount is available for students who have an average of B or higher in school. If your daughter is eligible for this, it will cut at least five percent on your auto insurance payment.
Maintain Good Credit History
People who have good credit scores are believed to be responsible individuals. In that case, they are also believed to be responsible on the road and most likely avoid accidents.
Complete a Defensive Driving Course
You have to prove to your auto insurance company that your teen is a safe driver. Her driving skills and knowledge will be improved if she finishes a course in defensive driving. Aside from being a safer driver, you can also have lower payment even if you have a teen driver on your auto insurance.
Shop Around
This is a must if you really want to have huge savings on a teen driver auto insurance. Get as much auto insurance quotes as you can and compare them side by side to have the auto insurance you can afford even with a teen driver on your policy.
Reader’s Question:
I currently live in New York but I am planning to move in Miami Florida. Do I set up a car insurance policy ahead of time or should I buy the policy once I get there?
Anna
Miami Florida
It would be best if you get your auto insurance in Florida before you arrive. The state of Florida requires you to register your car within ten days of becoming a resident in the state of Florida. You will also need to provide proof of car insurance in Florida as part of the registration process.
If you have already obtained your Florida car insurance before moving to in Miami, you no longer need to rush around searching for the most affordable car insurance once you arrive in Miami. The benefit of this is that it allows you to have your new car insurance policy in place before terminating your old insurance policy thus avoiding lapse in your car insurance.
To get car insurance you can ask your current car insurance provider in New York to check if they also sell car insurance in Florida so you can just transfer your policy to Florida insurance. It is also best to look around first for the most affordable rate in Florida to make sure you are getting the best deal. You can start getting quotes here.
Reader’s Question:
Should I listen to my friend and go with a no exam life insurance policy, or should I go with an agent who is telling me that I will be better of getting a policy with a medical screening? I don’t want to make a big fuss about getting life insurance but I do want to get it right the first time.
Blaise
Miami, FL
You’ve raised an interesting question. Life insurance with no medical exam policies has their uses, but that doesn’t meant this is the type of coverage that everyone should be getting. It would be very important to consider the following to see if a no medical exam life policy is the best for you:
When to Think Twice About a No Exam Life Policy
Are you in excellent physical condition for your age? Are you relatively young and in general good health? If you are budget conscious then it would be more cost-effective to go with a life policy that requires a medical checkup. You can leverage your good health and longevity to get affordable life insurance premiums that you would otherwise not get for buying a no exam life policy. By not asking a customer to undergo a medical exam, the insurer is taking in a bigger financial risk (since the insurer has no idea about the health of a customer). The bigger this risk is the higher the premiums become.
When to Consider a No Exam Life Insurance
If you have been denied coverage by other life insurers or are slammed with high premiums due to a medical condition, disease, or because of a risky lifestyle, then a life insurance with no medical exam will be your best choice. In fact, with some people it may be the ONLY choice to get life coverage. If you will go with a no exam policy, do make sure that you shop around and compare rates. Prices vary greatly across many insurers and you may still get good rates for comparing offers. This can easily be done by comparing free life insurance quotes online.
Readers Question:
Im retiring soon so I may not use my car that often but I know that I still have to renew my auto insurance here in Miami. Do you have any suggestions that I should do in order for me not to pay too much on my auto insurance?
Anthony
Miami, FL
It may be quite easy to get auto insurance in Miami but most drivers, just like you, want to get the lowest auto insurance premiums possible. Though anybody could get cheap auto insurance by just purchasing the least amount required, this may not going to be adequate if you get into an accident.
In case you would like to have more auto insurance coverage than the minimum liability, you may take into account the following things for you to save money:
Readers Question:
Im not really rich for me not to worry about my auto insurance payment thats why I want to find a low cost auto insurance policy. How do I make sure that I can save on my auto insurance premium here in Miami?
Dennis
Miami, FL
If you are a car owner in Miami, Im pretty sure that you would like to have low cost auto insurance policy. Some may find it worthless to rummage around for affordable but adequate car insurance coverage. But those who are not fortunate enough to spend a big percentage of their income for auto insurance can still be able to choose what they need from most of the larger auto insurance carriers. In all likelihood, they can still lessen their expenses for auto insurance. They simply have to know the factors that impact what they pay for their coverage.
Your auto insurance policy is determined by a lot of things; significantly your driving record. If you have defied traffic laws too often and filed a lot of insurance claims in the past, you may find it difficult to acquire low cost auto insurance for a while but these issues will flee away from your name in time. Once they take no notice of these facts, insurance carriers will see that your driving record is the kind they will fight to hold on to.
The method can be time-consuming so if you dont want to wait this out, there could be some simple ways that can have an instant result. It is a well known-fact that low cost auto insurance policy can be achieved by drivers who are regarded as low risk. How your risk is established may be a strange thing to you but it based on a lot of issues. Your marital status, your credit rating, your income and whether or not you keep your car in a secured garage are some of the things that determine your risk. If any of these things get better, you could definitely lessen the price of your auto insurance policy.
You will be offered low cost auto insurance policy by insurance carriers if they dont expect you to have a lot of claims in a year. With this regard, if you do your best to be a competitive nominee, youll naturally have access to great possibilities.