Car insurance! No one talks about this.. (Orlando, Sarasota: renters, low crime)

[mojo101]

having a teenage daughter is one reason.

[City Guy997S]

Originally Posted by jlud

Holy smokes….I was so worried about home insurance moving here that I never checked cars. I find out that since one in every three drivers in Florida has no insurance and most likely no license that the insured get to pay 2-4 times more than any other state I have lived in. Two people, perfect credit, no accidents claims ever and one speeding ticket 25 years ago. First quote comes back at 9,000 but with “discounts” just 7,700 for one year of the same coverage I was getting for just under 2,000. Second quote back at just over 6,000. Last but not least the best I could find at about 4,000 bucks a year for two people that drive less than 5,000 miles a year each. I am seriously contemplating selling a vehicles to avoid 2-300 a month.

Moral of the story, check car insurance prices before moving.

My guess is your kid's age is the factor...........and location isn't helping (Jacksonville ain't Mayberry)

[jlud]

And….just got one of our cars hit by a driver this morning. Luckily I believe they do have insurance….Near 30 years of accident free down the drain…even if not our fault. Nothing like the accident showing up on a brand new vehicle to devalue it significantly.

[jlud]

I plan to trade it off as soon as I get my check for it from the owners insurance.

Most companies will not immediately raise your rate but will increase it at renewal because even if you’re not at fault it suggests you live in a high risk area. You get punished for someone running into you.

[AnnieFl]

Originally Posted by EricBoyd

I switched from USAA to State Farm a few months back and saved a TON. Happy to refer you to my agent, Rinkit Amin
https://www.rinkitamin.com/

We left USAA too. Had been with them since 1987. Now we are patiently waiting for our subscribers savings account.

[Travelassie]

Originally Posted by jlud

I plan to trade it off as soon as I get my check for it from the owners insurance.

Most companies will not immediately raise your rate but will increase it at renewal because even if you’re not at fault it suggests you live in a high risk area. You get punished for someone running into you.

We have had State Farm insurance for our 3 cars for many years, have gotten good service as needed. The rates fell when we moved from Miami to SW FL but the rates have increased exponentially with the increase in population and nutso drivers over the years.

My daughter ( age 39) drives one of the cars ( a 2017 Honda Civic) to work each day ( about 30 miles each way), and the insurance is the most expensive on that car. She's got good driver, accident free discounts, but it's the exposure to the throngs of careless drivers on I-75 and elsewhere that raise those insurance rates- also raises the rates on our other two vehicles that don't get driven nearly as much.

Unless things have changed, State Farm has always had a policy of NOT raising its insurance rates due to an accident for which the insured driver was not responsible, though if the insured driver was at fault ( according to the accident report, ticketed for moving violations causing the accident, they apply a penalty surcharge to each premium fora total of 3 years after the accident. After the 3 years, the penalty is removed. My daughter was involved in a multicar accident on I-75 near Tampa in 2011, but was not at fault. So even though her car was totaled, the insurance rates were not raised.

[LKJ1988]

Mine went up 300 every 6 months.

[DanielAvery]

Nothing like the accident showing up on a brand new vehicle to devalue it significantly.

If you are told your car is seriously de-valued by the accident, then have your insurance re-evaluated because, in their own words, you are buying insurance for a much lower-valued car. In Florida, there is a Diminished Value Law which might help offset your losses.

https://www.anidjarlevine.com/faqs/d...claim-florida/

[Thundarr457]

Another reason not to move to Florida. Expensive insurance, hurricanes stay in low tax, crime free NYS.

[OneDawg]

My Dad left there in 2006 after one of those 'canes destroyed his home and two cars which were also insured by SF. Took them five months to settle - after dodging the issue for two of those months. Moved to GA - same insurance 60% less on both home and new cars. Dropped further with Geico and Progressive.