A large amount of consumers are under the belief that car insurance companies will not provide coverage for automobiles if they do not possess licensing to operate a vehicle; in many cases this is simply not necessarily true and those who are unlicensed may be able to get insured with certain companies willing to provide policies to these particular individuals. Consumers should be aware that there are many companies out there and each have different guidelines which they follow; in turn some insurers will cover individuals whether licensed or not. When applying for auto insurance without a drivers license be sure to address the issue with the agent before proceeding to save time. As mentioned, carriers have certain guidelines and some conditions may not fit an individual’s circumstance. For instance, an insurer may be willing to provide a policy, but will require the consumer to obtain a license within a certain time frame; in addition, for those who have an international license the same may apply or they may simply except that as valid licensing, although local authorities may not. Be sure to understand the circumstances under which coverage is being provided and abide by the agreement to avoid any sort of cancellation; also, if it is considered to be unlawful to drive, it is probably a good idea to do so until proper licensing has been obtained. Reasons Car Insurance May be Needed without a License To some it may not seem logical to purchase auto insurance without a license or they may question the need since licensing would be needed to drive, but there are many reasons why unlicensed drivers may need to obtain coverage. Most commonly, motorists who have had their license suspended will need to purchase a policy in order to have their licensing reinstated. Others may be migrating into the country and need coverage to operate a vehicle that they own as they go through the process of making the transition and getting licensed in the state; remember automobile coverage is needed and the last thing that a person that is new to the country would want to do is risk driving uninsured. There are a couple of other reasons that individuals may need to acquire policies while they are unlicensed; a large number of states have implemented systems in which insurers are required to notify the states vehicle governing authority if a vehicle’s coverage becomes inactive which will result in the suspension of the registration of the automobile. In these states, if a person owns a vehicle it has to be insured in order to be registered and if it becomes suspended fees can be incurred which a person who is trying get licensed may want to avoid. According to the Florida Department of Highway Safety and Motor Vehicles once a car’s registration is suspended due to lack of a policy, it can take up to three years to get the automobile re-registered or until proper coverage is obtained.

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Getting Insurance with No Driver’s License

Purchasing automobile coverage in can become expensive and for some individuals it can become quite difficult to pay for coverage. Fortunately, carriers understand that policies can be somewhat unaffordable if they were to be paid in full and offer consumers a few different ways of paying for and maintaining auto insurance. Policy terms are usually in the for of 3, 6 or 12 months which can be paid up front, but most insurers will allow for these policies to be paid monthly which can help individuals stay insured. Unfortunately for some motorists they may have unique factors that can make premiums down right unaffordable; whether they have had multiple tickets and/or accidents, have several vehicles or have a newly licensed teen, coverage can get quite expensive and they may not be able to pay the for the full term of the policy. Individuals who find themselves in this situation may be better off choosing month to month car insurance plans which can be started up will smaller up front costs and continued by making monthly installments to the provider; although this can be a bit more manageable, there are a few negatives of doing so, but staying insured may just out weigh these cons. Pros and Cons of Monthly Car Insurance The obvious benefit of locating an insurer who will allow for a policy to get started with only a portion of the premium to be paid is the ability for consumers to have the ability to avoid having to pay a big lump sum and not break the bank when getting auto insurance. For certain individuals, policies can reach thousands of dollars per term and to be quite honest, there probably are not many people who want to dish out that kind of money or there are those who simply cannot; paying for coverage on a month to month basis is usually the choice for such individuals and fortunately, there is the option to do so. However, there is one major down side to choosing to pay for policies monthly and as mention it may be worth it just to stay insured at all times. The bad thing about making installments is that it can become far more expensive than paying premiums in full. For one, most insurers will give a discount if a policy is paid up front simply because they are receiving payment for a term and feel that they are guaranteed the business for the length of the policy. In addition, paying on a month to month basis also poses the risk of missing a payment or being late which can assess late fees and a lapse in coverage. Another negative is that many carriers charge a billing fee in the range of $10 per month which over the course of the year can end up costing the consumer an additional $120 over the course of a year on fees that are not including coverage. Getting insured is important and the way that a person wishes to pay for such a product is up to them and their financial situation; the best way to determine what method is best is to shop smart and get informed on the fees and the difference in premium for the various payment plans. If keeping some cash on hand feels better than doling out a big chunk of change then maybe making payments is the best option. Also when shopping, it is important to shop smart; most states have consumer guides such as the one provided by the Maine Department of Insurance to help residents become better shoppers; it may be a good idea to refer to your state’s guide while choosing an insurer.

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Paying Auto Insurance Monthly or in Full

Any individual who owns a vehicle that is self propelled and has four or more wheels must maintain proper coverage at all times if they wish to register and maintain registration for as long they have a valid Florida license plate. This also applies to part time and seasonal residents who reside in the state for only a certain period of time of the year. For example, if an individual utilizes Florida’s roadways for more than 90 days in a calendar year they must purchase a policy complying with the state’s laws and the 90 days do not have to be consecutive. All polices issued must be purchased from a Florida auto insurance company that is licensed in the state; if a motorist wishes to purchase coverage from a company’s representative such as an agent than this person must be licensed by the state as well. Before taking out a policy from an insurer or paying an agent for coverage it may be a good idea to contact the state department of insurance to ensure that this agent’s licensing status is in order and that the carrier they are representing is authorized to issue policies in FL. Mandatory FL Car Insurance The minimum coverage that can be purchased in Florida is $10,000 in property damage liability and $10,000 in personal injury protection (PIP), higher limits can be purchased and some motorists are required to carry more which will be explained. Property damage liability will pay for damage that the policyholder causes to another person’s property with their automobile up to the limit stated on the policy. This will cover items such as another vehicle, a fence, telephone pole or building. Personal injury protection will pay for injuries sustained by the insured, passengers and family members resulting from a traffic accident regardless of fault up to the auto insurance policy limit; this will also pay for injuries suffered as a pedestrian or bicyclist if struck by an automobile. State law may require that certain drivers carry limits that exceed the minimums stated above. Motorists who are convicted of certain traffic violations or have been in an accident while uninsured may need to carry $10,000 in bodily injury liability per person and $20,000 per accident in addition to the $10,000 limit of property damage liability. According to the Florida Consumer Guide to Automobile Insurance those who have been convicted or plead no contest to driving under the influence have to can much more coverage; these individuals must carry liability with limits of $100,000 for bodily injury to one person, $300,000 for bodily injury per accident and $50,000  for property damage. Having to carry more coverage means higher rates in addition to surcharges that are applied by insurers for the violation; it may simply be easier to stay insured and refrain from driving under the influence to avoid these additional expenses.

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Be Informed About Florida Auto Insurance