Snowbirds and auto insurance

[Gigi3000]

Does just owning property in Florida as a snowbird make your auto insurance increase? Even if you're not bring your vehicle to Florida when you come?

[kkingston57]

Suggest talking to your agent and/or insurance company. A lot of variables.

[retiredguy123]

Does just owning property in Florida as a snowbird make your auto insurance increase? Even if you're not bring your vehicle to Florida when you come?
Just owning property Florida shouldn't affect your auto insurance rate in another state. How do they even know that you own property in Florida? I wouldn't tell your insurance agent. But, under Florida law, if you operate a vehicle for 90 days (non-consecutive) in Florida during a 12 month period, you are required to have a Florida insurance policy. Lots of Villages snowbirds violate this law.

[Babubhat]

It’s where your permanent residence, registration and plate issued assuming you actually spend more than half the year there

[retiredguy123]

It’s where your permanent residence, registration and plate issued assuming you actually spend more than half the year there
Even if your permanent residence is in another state, if you operate a vehicle in Florida for more than 90 days per year, you are required to have Florida auto insurance.

[Babubhat]

You need Florida minimum insurance levels. People in the northeast would need 3 states of insurance. Not commerce clause compliant. Truck drivers go through multiple states as day.

You really think people on the Georgia border get Florida insurance? Absurd result

[Nucky]

Does just owning property in Florida as a snowbird make your auto insurance increase? Even if you're not bring your vehicle to Florida when you come?

According to six Snowbird Neighbors, NO.

I wish we could still get NJM car insurance. What a great company. One of the best things about N.J.

They now cover Pennsylvania also. Top Drawer.

[Babubhat]

Non-Resident

The vehicle you own must have a Florida registration and license plate and be insured with a Florida policy when a non-resident:

accepts employment or engages in a trade, profession or occupation in Florida; or
enrolls children to be educated in a Florida public school.
You must obtain the registration certificate and license plate within 10 days after beginning employment or enrollment. You must also have a Florida certificate of title for your vehicle unless an out-of-state lien holder/lessor holds the title and will not release it to Florida.

From Florida dmv

It is near impossible to have coverages that don’t meet FL minimum standards. They are pathetically low

[Babubhat]

So millions on the Alabama and Georgia border violate this supposed 90 day rule. Beyond absurd

[TNLAKEPANDA]

Sorry but that’s a dumb question

[retiredguy123]

Here is a link to an article about Florida auto insurance for snowbirds. It's written by a lawyer, but I don't know how accurate it is.

Understanding Florida's Insurance Laws And Impact On Snowbirds | Shiner Law Group (https://shinerlawgroup.com/floridas-insurance-laws-and-snowbirds/)

[Babubhat]

Most people who live in Alabama and Georgia and work in Florida are not doing it. Keep adequate coverages and get on with it. Bicycles in TV blow through stop signs a hundred times a day and there is a law against that.

You can drive with no insurance or license here and get a slap on the wrist.

Time to worry about something more important

[davem4616]

it all depends on where you plan to garage your car

[dewilson58]

Does just owning property in Florida as a snowbird make your auto insurance increase? Even if you're not bring your vehicle to Florida when you come?

Ask your agent.

:ohdear::ohdear:

[thevillages2013]

Does just owning property in Florida as a snowbird make your auto insurance increase? Even if you're not bring your vehicle to Florida when you come?

Are you a snowbird who’s car insurance increased and you are trying to figure out why or are you just planning?

[CharlesNT]

No it does not. I have cars insured with the same company in FL and NH. When I registered the car in FL there was no impact on my insurance in NH.

Make sure you are compliant with FL law as noted in some of the other posts. People all over the country ignore rules as noted by Babubhat, and I'm not sure of the consequences. I have a friend who lives in FL and comes to NH for the summer for 2-3 months. In NH, you need to register the car in NH if you are there 30 days. There is no requirement to have car insurance in NH, which could open a whole can of worms if you come from a state like that and spend months in FL.

[mkjelenbaas]

Does just owning property in Florida as a snowbird make your auto insurance increase? Even if you're not bring your vehicle to Florida when you come?
Don’t know but thanks for asking - just wondering what the insurance company said when you called them?

[charlieo1126@gmail.com]

Whatever insurance you have make sure it’s good , every year Fl. is on the top ten list for uninsured , it’s hovering about 20% uninsured right now

[Topspinmo]

Most people who live in Alabama and Georgia and work in Florida are not doing it. Keep adequate coverages and get on with it. Bicycles in TV blow through stop signs a hundred times a day and there is a law against that.

You can drive with no insurance or license here and get a slap on the wrist.

Time to worry about something more important

I don’t see just cause I work in one state and live in another has anything to do with residency.

[Topspinmo]

Whatever insurance you have make sure it’s good , every year Fl. is on the top ten list for uninsured , it’s hovering about 20% uninsured right now

When I was stationed in New Mexico many moons ago uninsured was close to 50%. Then, insurance in that state was outrageous, cause half was paying for the other half.

[laboutj]

Don’t know but thanks for asking - just wondering what the insurance company said when you called them?

Don't you get bored with typing that response every time?

[Gigi3000]

Are you a snowbird who’s car insurance increased and you are trying to figure out why or are you just planning?

Planning.

[charlieo1126@gmail.com]

Planning.instead of listening to all the legal opinions on here , why not just call the villages insurance and they will help you and for those who are going to tell you how bad they are then just call any major company , it’s not rocket science it’s just insurance, and good insurance doesn’t always mean cheap

[wisbad1]

Non-Resident

The vehicle you own must have a Florida registration and license plate and be insured with a Florida policy when a non-resident:

accepts employment or engages in a trade, profession or occupation in Florida; or
enrolls children to be educated in a Florida public school.
You must obtain the registration certificate and license plate within 10 days after beginning employment or enrollment. You must also have a Florida certificate of title for your vehicle unless an out-of-state lien holder/lessor holds the title and will not release it to Florida.

From Florida dmv

It is near impossible to have coverages that don’t meet FL minimum standards. They are pathetically low
Not true, only if you drive it more than 90 days

[LianneMigiano]

Many snowbirds cheat by not being covered by "vacant home insurance" - 6 mo. here and also the other 6 wherever "there" is - either! Pipes leak/burst anytime, and storms can create all kinds of damage - just to name a few examples. When there are no 24/7 occupants, those types of costly damage makers get a big head start. All insured homeowners rates are subsidizing those who cheat. It's NOT just those who received "free" roofs!

[retiredguy123]

Many snowbirds cheat by not being covered by "vacant home insurance" - 6 mo. here and also the other 6 wherever "there" is - either! Pipes leak/burst anytime, and storms can create all kinds of damage - just to name a few examples. When there are no 24/7 occupants, those types of costly damage makers get a big head start. All insured homeowners rates are subsidizing those who cheat. It's NOT just those who received "free" roofs!
If that is true, I would say that the insurance companies are also cheaters for paying fraudulent claims for roofs that are not weather damaged, and paying for damage to houses that don't have vacant home insurance. Why would they pay bogus claims and pass the cost onto other homeowners?