Commerical Vehicle Insurance Online in Florida
Reader’s Question:
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.
Auto Insurance Rate in Maryland
Reader’s Question:
I’m wondering if an insurance policy in Baltimore, Maryland is written with two adult names and one of them dies, is the premium lowered?
Frances
Baltimore, MD
Good question Frances. If there are two adults on an insurance policy and one of them is taken off of the policy (for many reasons, such as death), then the rate can be affected. It may possibly be lowered, it depends upon the rating system and if the insurance policy premiums were higher at all due to the second adult driver being on the insurance policy.
Contact your insurance agent in Baltimore, MD since insurance guidelines and rating systems differ, to find out how your specific insurance companies rating system works and how your rates would be affected in this type of situation. If your rates would not be lowered you can compare by shopping online if you have internet access, for better car insurance rates. The only rating factor difference that some rating systems may see for is a widow versus single, but typically a widow rating variable would cost less than a single rating variable.
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