Reader’s Question: I am financing my car here in Miami Florida. Do I need to get full coverage auto insurance? Michelle Miami Florida   Usually the leasing company will require you to get full coverage auto insurance of physical damage coverage on your car. Physical damage coverage consist of collision and comprehensive coverage. Comprehensive Coverage [...]

Reader’s Question: I’ve heard that there are some ‘hidden factors’ that insurance companies check when they charge premiums for a van auto insurance policy. Are there particular factors that affect the costs of van motor insurance in Florida? Tim Orlando, FL The main determinants for both car and van motor insurance in Florida, or anywhere [...]

Reader’s Question: I’m a relatively new homemaker here in Florida. My husband is a pretty smart guy and works hard for a living. I’m pretty sure that he’s about ready to buy me a car for me to get around town. Frankly, I’d like to impress him by letting him feel I did my homework [...]

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. I need the cheapest car insurance for teen drivers there is available. Harrison Tallahassee, FL You can go online to see an updated list [...]

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 [...]

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 [...]

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 [...]

Reader’s Question: I am planning to get auto insurance in Cape Coral, Florida for my vehicle. Do I have to register my car in Florida also? My vehicle is registered in Kentucky. My current car insurance carrier informed me that since I moved here in they cannot renew my car insurance. John Cape Coral, FL [...]

Reader’s Question: I co signed a leased car for my 29 year old son. He moved out last year and I am not sure when he will return but my problem is that the vehicle is still on my car insurance policy. So I am wondering what my options are in this kind of situation. [...]

  Reader’s Question: I received a ticket for intoxicated driving and I am 22 years old and was wondering about how much my vehicle insurance will go up in Florida? Who has the cheapest rates here in DUI insurance? Alice Jacksonville, FL Intoxicated driving is considered a serious offense by insurance carriers and thus makes [...]