[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]

Originally Posted by 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?

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]

Originally Posted by Babubhat

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]

Originally Posted by 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?

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

[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]

Originally Posted by 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?

Ask your agent.

[thevillages2013]

Originally Posted by 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?

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