Frequently Asked Questions

Some carriers will write your policy any way and they will give you time to reinstate it or renew it. You need to provide proof within that time that your license is valid to maintain your auto insurance coverage.

Usually when you choose a payment plan in which the carrier will electronically debit your checking account for your monthly premiums the down payment will be as low as one month of your total policy premium. When a different payment plan is selected your down payment could be as low as 16{b38c31623e4cd1d9b4dead1d8dd7b3d31d8218c26ae2a064a2cd0e341ed11201} of the policy premium. Your financial responsibility score ultimately will determine your down payment and payment plan available to you.

It is a formal agreement between you and the Department of motor vehicles by which you will maintain a minimum of auto insurance coverage for a period of three years from the initial inception date of the policy complying with this requirement. The minimum limits required are BI(Bodily injury liability) $10,000.00 per person, $ 20,000.00 for all persons involved, and PD(property damage liability) $ 10,000.00 These are the Florida minimum financial responsibility law limits.

It is the same as above with the only difference that the limits required are higher: BI $ 100,000.00/300,000.00 and PD $ 50,000.00

Yes, your lender financial interest in your vehicle as a collateral of their loan is protected by this coverage which will pay to your lender the Actual Cash Value of your vehicle at the time of a total loss. If your car suffers a loss which is not total, this coverage will fix your vehicle.

You have two options, the best one is to call your carrier directly to the telephone number display in your insurance card, this ensure a prompt report, and the carrier will be able to open a claim quicker. The second one is to call your agent who in turn will report it to your carrier so they can call you to open a claim.

It will depend on the carrier. Some do some don’t when it comes to auto insurance coverage.

Five days, then, an initial notice of intent to cancel your policy for non payment of premium is issued, this notice will have the final cancellation date at which time if payment has not reached the carrier your policy will be terminated.

Premiums vary for many reason, such as driver age, time with license, zip code, vehicle safety and cost, financial responsibility score, length of time insured without lapse in coverage, driving record, market conditions, etc.

Mostly at age of 25 your insurance should start showing some decrease in your premiums.

Yes, this is very important, all carriers require to disclose all family members licensed or not who lives in your household.

Because they want to rate your policy as accurate as possible and provide you with all discounts and surcharges if applicable to your particular situation.