Jill Overmyer
Nearly 1 million people from northern states escape to Florida during the colder months, according to a 2004 study by the University of Florida. New Yorkers represent the largest percentage of these so-called “snowbirds,” at just over 13 percent, while residents of Michigan, Ohio and Pennsylvania (all states with famously harsh winters) also flock to the Sunshine State in large numbers.
But these temporary residents fleeing the cold could end up in hot water if they don’t follow Florida’s auto insurance laws. Here are some tips for making sure you have constant coverage year-round.
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Justin Stoltzfus
To determine your premium, auto insurance companies try to predict how likely you are to file a claim — and how much that claim is likely to cost. Your age, your gender, your driving record and what kind of car you have are all part of the formula. Even where you live can drive up your insurance rate.
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Marcus Pickett
Getting married (or entering into a civil union or domestic partnership) means joining two once-separate lives. In addition to combining homes, finances and families, you’ll want to consider joining your auto insurance policies. And that could mean saving money on your auto insurance premium.
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If you’re making a big move, you may not be able to cram everything in your car. Instead, you might have to rent a moving truck or van. Before loading up, however, make sure your auto insurance covers the rented vehicle.
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Mary Lou Jay
There are few occasions more nerve-wracking for parents than when their children get behind the wheel and drive off by themselves for the first time. Parents can prepare their offspring for that solo trip by making sure that they’ve had plenty of behind-the-wheel practice plus time in a classroom with a good driving instructor. But how do you find a driving school that will give your child that good foundation?
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Jill Overmyer
If your policy is up for renewal, you may be thinking about shopping for new coverage. Maybe you’re exasperated with your insurer or maybe you’re just looking for cheaper premiums.
Before you switch auto insurance companies, however, there are a few things you should consider:
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Mary Lou Jay
Have you noticed that your not-so-new neighbors have been living on your street for more than a year now and still haven’t changed their license plates? Or do you know someone who brags about saving money by using the address of a relative in another state to register his car?
Although these actions may seem like harmless oversights or even another way to lower auto insurance premiums, these vehicle owners actually are committing insurance fraud — and it’s costing you money.
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Crawford Frazer
It’s no secret that Americans live longer today than at any point in our country’s history. What might come as a surprise, though, is just how rapidly our population is aging.
According to a 2007 report by the U.S. Government Accountability Office, about 57 million U.S. drivers will be at least 65 years old by 2030. According to statistics presented at the National Transportation Safety Board’s 2010 Safety, Mobility and Aging Drivers Symposium, roughly 20 percent (one in five) drivers on the road in 2025 will be older than 65. These statistics are raising safety concerns.
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