FL = no insurance with no car + high rates?!!
 

Well apparently I'm a dummy?

I lost my job then my car was totaled last year so for the last year and I have been without a car since-- I didn't have car insurance because I HAD NO CAR!

But car insurance agents are quoting me so much $2000 / 6 months *in full* for FR-S if i paid the other price per month is comical... because I didn't carry auto insurance !????

they said florida is a no fault state and owning a drivers license you are required to be on someone elses insurance in the household or get your own until you get a car. WHAT A FUCKING SCAM!!!!!!!!!

I swear insurance is such a scam. I had a hit and run on my last car and where i lived it skyrocketed now that i had a total -- due to a break in and weather (ruined my car) this all caused my insurance to skyrocket

Anyone in florida have a good Insurance Agent?

I am so screwed. I was about to purchase FR-S this month too :cry:

Maybe i need a beater car then wait until my credit score goes up and insurance goes down?

Sucks the situation you are in.. how old are you?

I get the feeling there is something the OP is not telling us.

Do you have any prior accidents or a DUI on your record?
Was your car getting totaled your fault?

its unfortunate but i wouldnt call it a scam. if i was the person who was insuring someone, i would want a fuckton of money if they came to me without previous insurance and their last car was totaled.

Hmm. Seems insurance that high might be the result of some "issues". http://www.dmv.org/fl-florida/car-insurance.php

I have 3 wrecks under my belt, 2 no faults and 1 my fault ( playing to much lol ).. and 1 speeding ticket 14 over.. 22 and mine on my FRS is 160~ a month.

Florida is an absolute scam for insurance. My guess is, you're under 25?

$2000/6 months is $333 a month.

I pay ~$80/month.

I didn't know Florida required insurance if you don't drive a car. I don't think Florida does. My impression was that you need car insurance if you drive a car, regardless if you own the car or not.

Call it a ripoff if you want, but a perceived "wreckless" driver on the road (according to them) in a state known to have the WORST drivers in the entire US, driving a two door sports car might call for higher rates..

My advice to the op is to do what I do every 6 months and shop around. Progressive gave me an awesome rate this time so I went with them over farmers and geico previously. I'm 27 in Florida and I'm paying a little under 90 a month.

Good luck, hopefully you get something better than that initial quote you have there.

i have to say that is damn good price based on your past

i pay 130 a month for the FRS, im 24, no accidents and 1 speeding ticket


the 130 is for two cars, but my second car only costs an extra 6 dollars a month

When I was 16-19, living in Florida (West Palm as well), I was paying about $300 a month for my car with zero wrecks. I had a 300ZX Twin Turbo, but still, it sounds about right.

yeah lol.. everyone else quotes me around 250~300

The insurance on my Golf is $88/mo and the insurance on the FR-S is $126 in Florida. You need to shop around more...I'm 25 no at fault accidents in 6 years and just a wreckless driving ticket 2 years ago is all that's on my record (speeding up to make a green turn signal)

DANG! I'm another one with full coverage for $80. Record is completely clean other than the recent accident which is still under "investigation"

I pay $165/mo for two brand new cars and a two year old literbike. Guess I'm not doing too bad...But then I have a completely clean record.

You're not in Florida.

I had great rates when I lived in Tennessee. Then I moved to Louisiana, and my insurance more than doubled.

What you pay depends in large part on where you live and how stupid the drivers there are on average. Certain states just suck when it comes to insurance rates. Louisiana's rates are high because we have drive-thru daiquiri bars. Florida's rates are high because they have a bunch of retirees who should no longer be driving mistaking the gas for the brake and smashing through the front window of Miami Subs.

I live in NJ and the same here. You have a license but no car you still must pay for car insurance unless you live alone. Yes it's crazy but there are so many insurance company lawyers here they will make you pay until you're homeless.

Insurance is only a scam until you need it..

This happened to a friend of mine that grew up in Manhattan. She got her drivers license when she was eligible but never owned or drove a car until she bought a VW Bettle when she was 21 and no longer in NYC.

She got hit big time because they counted her as having been an UN-insured driver.

I don't know why this is a surprise. This is how it works. You get dinged for not always carrying insurance.

It's pretty standard for insurance to go up if you have had an absence in coverage. I think it's about 15%premium per month not insured. Happens on medical too.

Get a quote for months 6-12 after you have been insured for 1-6. Take out a loan to pay the 6 month in full if 6-12 goes down.

Sent from my HTC6525LVW using Tapatalk

You're right, it is a scam until you need it. The same with all insurance assuming the insurance company doesn't give your rear end a shaft when you need them.

I have already claimed insurance on both car and health insurance before and having insurance paid way off more than I ever paid into it.

Even if it isn't required it's still a good idea to have insurance even if you don't have a car. When I sold my car and was deployed last year my insurance was $0.42 for seven months and it shows for insurance later on that you've never had a gap in coverage.

Plus if you're going to rent a car I'd much rather have my own insurance than use the rental company's insurance where they also charge you for each day it's out of service.

For the OP if you're not over 25 and/or married you're going to have to either suck up your pride and drive something cheaper or be prepared to pony up.

Not only that. But, if most insurance companies see you dropped your insurance after totaling a car as a huge risk.

Totaling a car then trying to switch companies is a common pratice, which usually will result in a huge increase of risk for the ins. company = higher prices. People try it all the time when they wreck and have to pay $20+ a month on a higher rate.

Going without insurance and not having a car shouldn't ping you for higher insurance but it does. What I suggest is just asking your parents to add you to their policy. In the long run, it is better for you.

Florida is very strict when it comes to driving and insurance. If you can't get on a family members policy, you'll have to bite the bullet and pay the high premium to get insurance. If you have any vehicles registered to you and are not insured the state will automatically suspend your license, I have also seen the state suspend a persons license for not having insurance for more than two years.

It sounds like the insurance company you spoke to does not want to insure you. So they hit you with a huge premium knowing you won't pay it. Just go elsewhere.

i have no dui dumbass.

Sorry to ask a quesdtion fuckface....
I thought you were asking for help & suggestions.
I guess I'll be psychic next time

Careful here buddy. He was asking a question.

He's trying to help you figure out why your quotes are so high. If you can't answer some simple questions that could help us, then why are you asking?

So, for basic questions:

Age?
Employed?
Marital Status?
Was the wreck your fault?
Speeding tickets?

Lots of factors are counted with car insurance. My car was quoted for around 300$ a month on the first quote I received. I ended up paying 1/3 of that by shopping around.

Anyway, if you want help, be polite, answer the questions and don't act like you're the shit around here, because you're not. Everyone is equal, if you need help, be polite. :thumbsup: :cheers:

OP I was in pretty much the same dilemma, I just didn't carry auto insurance for years when I was in college and rarely drove. The only way I was able to even get auto insurance with State Farm was that I held renters insurance with them for a year, so they were like OK and shoehorned me in, but on an auto policy that's pretty pricey, luckily not as bad as yours.

My advice, and it's something I wish I had done, would be to buy a regular econo car and insure that for a year, and sell it and then get an 86, then you'll have no gap in coverage and have a better established record after your wreck.

Heh. Now we no why he gets high rate quotes. It's the "attitude surcharge".

dont stick up for him did you ACTUALLY READ what he said? he's a douche and i called him out

I dont have any tickets. i had 1 at fault, which was a pot hole and the total was because my insurance was too lazy to order me new seats for my 2007 tiburon they didnt make anymore -- it was water damage / mold from sprinkler when it was vandalized/broken into .

I havent driven in two years because I was without a car that long. FL is a pita -- :iono:

she - :D:thumbsup:

First off: I'll stick up for him if I want to. The simple fact is he asked you a legitimate question. Tone down the attitude, won't get you anywhere.

Secondly: Thanks for giving us an explaination for the "total" of your car by your car insurance. Now we know it's not you that was at fault in that case and that you don't have any tickets.

Third: Did you do multiple quotes or just get one?

Also, you might want to follow some of the advices in this thread and get a beater to get your "insurance score" up a bit, might help to reduce the quotes and get a better deal. :thumbsup:

And we still need to know how old you are, because that influences the insurance quote by a LOT.

Age won't affect it quite as much as a female. It's the "lapse" that's killing her. She's considered to have had no insurance, even though she didn't have a car. I've seen it happen to people who let theirs lapse for 30 days when they have no car - it skyrockets. It's a really stupid way of doing things, but I guess they assume that you had to drive SOME even if you didn't have a car.

Ok so first I am a "dumbass" and now a "douche" for trying to help you by answering a question...

Here is what I posted:
"Do you have any prior accidents or a DUI on your record?
Was your car getting totaled your fault?"

And for that it is supposed to be OK for you to call me fucking names??

You ask a question on a forum, then you wait over a week before coming back to bash the people trying to help you?

How about you go fuck yourself.

lapse in coverage will raise your rates. Also a low/no credit history will cause you issues. For reference, my boat, crv, truck and frs cost $72 per mont. I have liability on the truck and boat and full coverage on the frs and crv.

In FL, my boat insurance was more than that. Now that I title it in OH, it's only an extra $6 per mo.