While all states require drivers to carry auto insurance, some drivers only need temporary car insurance in Florida, such as when they have hired a rental car or are transitioning between policies. It’s difficult, however, to find an insurance agency that offers a short-term plan. Here are ways to pursue temporary auto insurance in Florida.
Understanding Temporary Car Insurance
There are certain instances when you may need temporary car insurance. Mostly, these car insurance policies are for 6 months. At one time, there were many short-term auto insurance plans available. Once insurers realized that many people use the plan just to renew their car’s registration and plates and then cancel it afterward and drive without insurance, they were discontinued.
Today, not having proper auto insurance can result in fines or a license suspension. In some cases, you may even get your vehicle impounded by local authorities for not carrying the insurance required by state law.
When Can You Get Temporary Car Insurance in Florida?
One of the easiest ways to get temporary auto insurance is if you’re just renting or leasing a car. These car rental providers typically offer short-term plans for liability, bodily injury, collision, and comprehensive coverage. Be sure to review whatever plan the rental car company offers before agreeing to it. You should be aware of your risks and the degree to which the plan covers the risks.
Beware of Insurance Scammers
Finding temporary car insurance in Florida beyond car rental businesses can be challenging. Be aware there are fly-by-night scammers who use the internet to lure in unsuspecting victims. They target consumers who try to cut corners and only care about price without paying attention to other details.
The best way to avoid scammers is to choose a reputable insurance provider licensed to operate in your state. Check with the Better Business Bureau for ratings and reviews.
How Can You Make Your Car Insurance More Affordable?
If your main concern is cutting insurance costs, then instead of looking for temporary car insurance, find ways to lower the premium rates of your standard auto insurance.
There are several ways you can reduce insurance costs. The best way is to have a clean driving record, making you eligible for discounts with various insurers. You can also reduce monthly premiums by raising your deductible, which is the amount you pay when you file a claim. If you are still paying your car loan, you can increase deductibles on collision insurance. Also, you can buy the state minimum coverage or only liability insurance instead of full coverage and considerably reduce your car insurance.
Ask your insurance provider about discounts they might offer but don’t advertise. Insurers often provide discounts to students, low-mileage drivers, and people who have enrolled in a defensive driving course.