Is everyone's auto insurance going up in Florida? (Safety Harbor: renting, health insurance)

[TXRyan23]

Originally Posted by the awesomee

Does anyone have any numbers on percent of uninsured motorists in FL? I would think rates would go up because of population growth and higher risk of being hit as a result...

I'm not sure of the reasons, but I know when I moved to TX, the state DPS would allow me to drive on my TN insurance temporarily, but in the paper work it mentioned a few states who's insurance they would not accept and Florida was on the list, something to do with the "no fault" thing..

One in four Florida drivers doesn't have insurance, industry research says - Sun Sentinel

According to this short story from 2011, it's about 1 in 4 Florida drivers that are un-insured.

[algia]

Originally Posted by TXRyan23

I'm not sure of the reasons, but I know when I moved to TX, the state DPS would allow me to drive on my TN insurance temporarily, but in the paper work it mentioned a few states who's insurance they would not accept and Florida was on the list, something to do with the "no fault" thing..

One in four Florida drivers doesn't have insurance, industry research says - Sun Sentinel

According to this short story from 2011, it's about 1 in 4 Florida drivers that are un-insured.

If the prices weren't as high as they are, more people would be insured. Simple as that. In Florida you have LOW wages, and HIGH insurance costs! How does anyone in their right mind expect people can afford it, is beyond me! (we have insurance, and it is NOT cheap at all in comparison with the cars we're driving)

[TXRyan23]

Originally Posted by algia

If the prices weren't as high as they are, more people would be insured. Simple as that. In Florida you have LOW wages, and HIGH insurance costs! How does anyone in their right mind expect people can afford it, is beyond me! (we have insurance, and it is NOT cheap at all in comparison with the cars we're driving)

I agree with you 100%.

Added in with other cost of living items like rent/mortgage, electricity/gas, car payment (if you're not lucky enough to have a paid off car.) I've said countless times that I don't see how the "middle to lower-middle class" do it, but I'm usually discounted as an idiot that hasn't lived there in 10 years and have no idea how life is in the Bay Area (Because I'm sure everything has drastically changed in the last decade.)

[algia]

Originally Posted by TXRyan23

I agree with you 100%.

Added in with other cost of living items like rent/mortgage, electricity/gas, car payment (if you're not lucky enough to have a paid off car.) I've said countless times that I don't see how the "middle to lower-middle class" do it, but I'm usually discounted as an idiot that hasn't lived there in 10 years and have no idea how life is in the Bay Area (Because I'm sure everything has drastically changed in the last decade.)

Exactly.

Either increase the wages, or lower the premiums.

I'll tell you how we do it: we pay all of our utilities, we don't use any credit/credit cards, cars are paid off, and we don't go out. IF one of us gets sick we end up at AMSCOT, and don't eat much the next month! (and that applies to us, and everyone else in our category anywhere in the US, not just here) In our case we spend part of our tax return on annual passes to Disney so we at least have some entertainment. Not complaining really. Would it be nice for me to have a serious job with benefits etc, and save and all that suuure, but its not going to happen, so we resolved to that. Thankfully, we are not the kind of ppl who "must" go out to dinner or else...or "must buy something today or else", or "must have the latest BMW or else"...I just read something really disturbing about Macy's employees and how they get penalized and eventually fired if they don't open at least 5 new Macy's store cards per month! THAT, next to their low wages is flat out extortion; how can you even push credit on anyone here is retarded considering the low wages...how are ppl supposed to pay utilities, car insurance, rent etc AND credit cards! No wonder so few get to travel around the world and see what else is out there.

[FloridaKash]

Rates are expensive in FL for a couple reasons.

1 - PIP is required. Most states do not require this. PIP is causes a ton of fraud and fake claims.
2 - I saw a report the other day where FL has.. either 2 or 3 of the deadliest roads in the nation.
3 - No vehicle inspections so people can drive ill maintained cars with bald tires in torrential down pours
4 - See above, torrential down pours. Also high probability of widespread hail damage.
5 - Hurricanes and Flooding

I pay $135 with Comp and Collision ($500) on two vehicles. I have my PIP at the absolute minimum and do not have roadside assistance or rental reimbursement. I have 300/100 liability and absolutely uninsured/underinsured motorist coverage. I use the Gecko.

[TXRyan23]

Originally Posted by algia

Exactly.

Either increase the wages, or lower the premiums.

I'll tell you how we do it: we pay all of our utilities, we don't use any credit/credit cards, cars are paid off, and we don't go out. IF one of us gets sick we end up at AMSCOT, and don't eat much the next month! (and that applies to us, and everyone else in our category anywhere in the US, not just here) In our case we spend part of our tax return on annual passes to Disney so we at least have some entertainment. Not complaining really. Would it be nice for me to have a serious job with benefits etc, and save and all that suuure, but its not going to happen, so we resolved to that. Thankfully, we are not the kind of ppl who "must" go out to dinner or else...or "must buy something today or else", or "must have the latest BMW or else"...I just read something really disturbing about Macy's employees and how they get penalized and eventually fired if they don't open at least 5 new Macy's store cards per month! THAT, next to their low wages is flat out extortion; how can you even push credit on anyone here is retarded considering the low wages...how are ppl supposed to pay utilities, car insurance, rent etc AND credit cards! No wonder so few get to travel around the world and see what else is out there.

Why not relocate ?

[FloridaKash]

Originally Posted by TXRyan23

Why not relocate ?

She did. She moved back to Tampa because she hated it in.... Pittsburgh... I believe.

She also moved here from another country.... and doesn't want to move back there either.

[TXRyan23]

Originally Posted by FloridaKash

She did. She moved back to Tampa because she hated it in.... Pittsburgh... I believe.

She also moved here from another country.... and doesn't want to move back there either.

Well, I can understand her not wanting to live in another country, or even worse, Pittsburgh.. LoL.

[algia]

No Kash, we cannot afford to move back to EU! It would cost a HUGE amount of money we simply don't have.

We moved to Pittsburgh for my son who is Autistic, because we were told all sorts of rosy crap that was not true. (Top school district too), and that was why we moved back, for him it is ten times better here. We like it here and for us it would be the same anywhere we go because we are not in high paying work fields.

[TXRyan23]

Originally Posted by algia

No Kash, we cannot afford to move back to EU! It would cost a HUGE amount of money we simply don't have.

We moved to Pittsburgh for my son who is Autistic, because we were told all sorts of rosy crap that was not true. (Top school district too), and that was why we moved back, for him it is ten times better here. We like it here and for us it would be the same anywhere we go because we are not in high paying work fields.

Lower skill jobs like retail usually tend to pay better in other places, Tennessee, Oklahoma, and Texas generally often make the top 3 cheapest places to live, I couldn't see living in a place where I'd struggle just because it's viewed as "paradise."