I have a vacation home in Orlando, Florida and I reside most of the time in New York. I want to buy a car in Florida, register and insure it there. Is it possible that I could use it when I went on vacation? This is a commercial vehicle, can I still get a quote online?

Henry

Orlando, FL

Yes Henry, it should be possible for you to register and insure a car to keep at your vacation home in Florida. There are actually many “snowbirds” that live part of the year in Florida and the other part in different parts of the US or even out of the country. The state of Florida requires any seasonal or part time resident living in Florida for 90 days or more during the year to get a Florida personal injury protection (PIP) and property damage liability (PDL) car insurance for their vehicle.

Since it sounds as if your car will remain in Florida year round then you will need to keep this Florida minimum insurance on the car for the whole year. For the months that you are not in Orlando, Florida you must continue to maintain car insurance on your vehicle or surrender your Florida tag and registration at the nearest driver license or tag office. If you opt to do this, when you next return to Florida you can register the vehicle after you have obtained proof of Florida insurance once again. Contact the FL Department of Highway Safety and Motor Vehicles (HSMV) to get information on how to register a car in Florida.