Cheapest Teen Car Insurance Florida FL

Reader’s Question:

Hi, there! I am only sixteen years old. I hope you can help me find cheapest cars to insure. By the way, my name’s Harrison, and I’m from Florida.

Harrison

Tallahassee, FL

You can go online to see an updated list of cars that can fetch you lower car insurance premium rates there in Florida.

You know, Harrison, buying a less expensive car means less expensive car insurance. That’s the usual rule. By the way, the “cheaper the car, the less expensive to insure” policy also applies to older vehicles. You might also be interested in looking for one. Be reminded that in buying older cars, you should look for factors such as reliability, safety, and the price, of course. SUVs for teenagers are out of the question. SUVs are powerful things. They react differently compared to regular cars. Young drivers are more inclined to overcorrect when steering. You see, it’s quite dangerous; this makes young drivers more prone to accidents. This is the reason why safety authorities advise against SUVs for teens.

Another reminder for you, Harrison: The lightest vehicles have the highest accident death rates. Nowadays, small cars, such as the Ford Focus, Honda Civic, and Saturn models are the most popular choices, but they aren’t actually ideal for young drivers like you. A smarter choice for a teen driver is a bigger and a heavier car. You might not find it cool for your age, but that’s a smarter and safer choice for you. Minivans and large four-door cars have the lowest death rates. Car insurers use these variables when computing your car insurance rate.

 

Tags: auto insurance online, cheap auto insurance, teen insurance

Underinsured, Uninsured Motorist Insurance Florida FL

Reader’s Question:

I’m really confused. Out here in Florida, we have a no-fault car insurance system. How come some people still tell me to get myself an underinsured or uninsured motorist coverage?

Lizzie

Tampa, FL

It took me quite some time to process your question, too. I know it sounds illogical to purchase an underinsured or uninsured motorist coverage when you are in a state that follows the no-fault system. I think this is the rationale behind other people’s suggestions. The coverage that is required by all no-fault states is the Personal Injury Protection or PIP. This type of coverage pays for your medical bills, loss of wage and what-have-you. And it doesn’t matter who is at fault. Remember, it is the no-fault system, and your car insurance policy should cover all these expenses. However, this coverage has its limits, in dollar values and scope. Like, for instance, it is only pegged at $10,000 per accident. So, let’s say, you and your three passengers are all seriously injured in a collision, there is no way the $10,000 coverage would be enough to cover all your hospital bills and all lost wages. Also, let us not forget the fact that you still have the damages on your car that you have to take care of. An underinsured or uninsured motorist coverage, on the other hand, though it may cost more, would cover 100% of all your expenses on medical bills, wage loss and other damages. The truth is Florida lands on the top 10 states with the highest premiums. But hey, who says you can get peace of mind cheap?

Tags: auto insurance coverage, car insurance, cheap auto insurance

Car Insurance Question Jacksonville, Florida FL

Reader’s Question:

I typically borrow my sister’s car but sometimes I drive it around here at Jacksonville, Florida without her knowledge. I’m not insured but I know that my sister is. I’m wondering if it’s okay to just get her insurance whenever I use her car.

Anne

Jacksonville, FL

Hey Anne! When you said “get her insurance,” does this mean that you plan to use your sister’s insurance to cover you in case you mess up? (It seems like you plan to use your sister’s car secretly more frequently that’s why you’re interested to know about this) You know what? You will never be covered by your sister’s auto insurance policy for the simple reason that it is under her name and not under yours. Even if you are using her car and her car is listed in her insurance policy, if you create damage to another person or vehicle, you would have to be liable for those damages because you caused them. Your sister will not have anything to do with the incident and in case there is a lawsuit, it is you who would have to face that and not her. It would be much easier to handle if you have your own insurance policy because you will be represented by your insurance company in case of an ensuing trial. So if I were you, I’d get myself an auto insurance policy (This was what I was also told because I love stealing my brother’s car on a Friday nights, too!) Since you are driving your sister’s car there at Jacksonville, FL without explicit permission from her, the least you could do, in case you get caught is, to tell her that you have an auto insurance policy. You may ask your parents to get you covered under their auto insurance policies. Otherwise, talk to your insurance agent and ask for the best insurance plan for you.

Hope that helps!

 

Tags: auto insurance, car insurance

Vehicle Insurance Question Jacksonville Florida FL

Reader’s Question:

A crippled war veteran asked me a favor to drive him around next week. In this case, who will then be responsible for the insurance? In case of an accident, what does an insurance policy typically covers? If the car is not insured or registered and I was asked to pull over by an officer, will I be ticketed because of this? If I’m drving someone else’s car and the car is insured, is it true that the insurance company covers the bare minumum in an accident?

Arthur

Jacksonville, FL

If your vetaran friend has a car insurance and you got an accident while driving his car, the insurance on the vehice would be primary and the if the limit is not high enough to pay the damages, your insurance as the driver would be secondary. Auto insurance companies follow this vehicle first and driver second.

The owner of the car should ensure that you will be covered under their current policy if you would drive him around as they want. Though most of the auto insurance companies can cover friends and people who would occasionally drive the owner’s car, there are certain exclusions so the owner should explain the situation to the insurance company to ensure that you will be covered on the policy for this case.

A basic liability policy which is required in most states covers injuries and damage to properties of the third party but not the vehicle driven if the driver is at fault. Collision would also be need. The owner of the vehicle should ensure that liability and collision coverages are extended to the driver of the vehicle. This is just one of the many other types of auto
insurance policies.

What insurance will be extended or transferred to the driver of the vehicle that is borrowed depends upon the guidelines of the insurance policy,the state insurance laws and the owner’s insurance policy. The owner of the vehicle should check this matter to his insurance comapany.

It is illegal to drive a vehicle without a registration or an insurance. State laws differs in that some would give ticket to the vehicle, thus the owner, while others give ticket to driver because of driving an unregistered or uninsured vehicle. In other states, the discretion is upon the law enforcement officer who asked the driver to pull over.

 

Tags: auto insurance