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Old 06-28-2006, 06:38 PM
34 posts, read 309,862 times
Reputation: 84


we have to have car insurance and our rates are crazy! My husband and i pay like $300 a month for full coverage on our cars.

Is it mandatory in Florida to have it and if so is it expensive like California?

Thanks for your help,

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Old 06-28-2006, 07:42 PM
24 posts, read 222,195 times
Reputation: 35
Yes, a certain minimum of liabilty insurance is required by law in Florida.

If you and your husband have very good (not necessarily perfect) driving records, somebody is making a killing off you at $300.00 per month. My wife and I have full coverage on both cars (and mine is an almost-new VW Passat) and we pay about $950.00 per YEAR.

Please do yourselves a favor and go to insweb.com and put in all of your auto information and coverage you presently have. Within a day or two you will receive price quotes from 3 or 4 reputable insurance companies. Select the best one and they will ask you to call their local rep for a phone interview, who will ask you more detailed questions.

If you like them and they like you, you could save 40% or more on your car insurance by making a change. A few years ago, Allstate was charging us $1800.00/yr for the same coverage we're getting from The Hartford for almost half that (and I was driving a 1987 piece-of-crap Honda under Allstate, not the new Passat)

Is it any wonder that so many people despise insurance companies ??

Good luck.....
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Old 07-02-2006, 09:19 AM
Location: Homosassa, Fl & Apopka,Fl
19 posts, read 191,580 times
Reputation: 21
Auto insurance is mandatory in FL. You cannot get a license plate without
proof of insurance. Of course, a lot of the deadbeats buy insurance, get
their tag and then cancel it. I have heard that over 35% of all drivers
still have no insurance.
I pay approx. $600 per year for full coverage.
Uninsured motorist and liability coverage is required.........the rest is optional.

Last edited by Marka; 07-03-2006 at 12:46 AM..
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Old 07-03-2006, 12:44 AM
Location: So. Dak.
13,495 posts, read 32,232,361 times
Reputation: 15007
THis is a welcome surprise. It seems that the car insurance in Fla. is quite comparable to the midwest. I have to agree that something is wrong with the high insurance premium that Clarisse is being charged. I'm wondering if it isn't mandatory in all states to carry liability insurance.
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