Condo Insurance in Tampa, Florida Needed ASAP?

Now that State Farm Insurance will no longer be providing home or condo insurance, does anyone know another company that has reasonable insurance? I am not necessarily looking for the cheapest but want a reliable one that will PAY if I actually have a claim!

Jenny K, Home insurance covers lots of different things. I’m not familiar with all the fine print of my policy, but my homeowners insurance agent is always helpful. Try calling your agent or a agent in your town. http://www.insurancehut.net They will be able to help you.

How do you lower car insurance costs for young people in Tampa?

My 18-year-old son’s car insurance is going through the roof. It just jumped from $270 to $321/ month. He’s a college student living in Tampa, FL (40 miles from home address in Largo, fL), makes good grades, took driver’s ed in high school, has been driving 2 years and never had a ticket. It’s a new car (Mazda 3) that’s titled to my husband, but all 3 of us are on the policy. My husband and I are on a separate policy for our cars. Anyone have any suggestions on how to bring this number down?

My husband had 2 back-to-back accidents last year that were found to be the other driver’s fault and was paid 100% by the other driver’s insurance (including our deductible). Also, we had a claim on my son’s old car when someone hit it while it was legally parked on the street, and then ran. I had a quote of $261 from Traveler’s until they questioned these claims, then they bumped it to $331/ month. I guess they count against us, even though they weren’t our fault?

the best bet is to ask your insurance company – different companies offer differnt reductions. some offer discount for students based on grades or gpa , and others may dicsount if he takes a defensive driving course again. those should offer some smaller discounts.

however since his rate is so high – i would recomend shopping around for new insurance and getting free qotes. but be sure to tell them your full driving history when they quote you as the rate will change once they look up your driving record and see anything you didnt mention.

Newly licensed driver needs to transport car within Florida?

I’m 27 and newly licensed.. This is my first license. I’m cleaning up my act, all fines are paid and I completed the required course. I purchased a car in Tampa and want to pick it up and drive it back. I can’t obtain the title until I reach Tampa, and of course with no title comes no insurance and no tag. I have no prior insurance to transfer and transport companies want $400 for a 5 hour trip.. The car will still be in Florida. I need some advice on this one.

Within the same state is easy. You WILL have to have insurance before you can get tags of ANY kind, even temp tags. So put the policy in place the day before you reach Tampa – you can set it up in advance. Then you have the insurance card to get your temp tags, and you can drive it back to wherever you live in FL and get your real tags.

A local Tampa dealer, for a small fee, should help you with the tags.

Insurance on croch rocket in tampa area (25 yr old male, 1 dui in MI)?

My boyfriend and I are planning to move to florida after he gets off probation for his dui here in michigan. since were moving to a nicer climate and gas prices keep going up and up, he wants to get a bike. Being that my mother is an ex ray tech and Im parinoid already having lost my brother, father and step father (rightfullly so i think) I dont want him to bc theyre dangerous! Im hoping the insurance rate for a 25 yr old male w a dui would stear him away from it consitering hes also going to have plpd on his car as well. Is there anyone around tampa, about 25, have have one and about how much do u pay? and if you have a dui thats even better lol

Its hard to give an accurate quote because of all the different policies and they usually run your social security number to give you the correct price BUT i found these 2 sites where you can compare insurance at Insurance Hut and Florida No Fault Insurance that give out the best comparisons for auto insurance, i hope that helps.

Accident with no insurance in Tampa FL?

I have a 50cc scooter and accidentally rear ended a car going about 10 mph or less. The accident left a couple scratches about the size of the palm of my hand. When it happened I talked to her and told her that I had no insurance and that I would pay for someone to fix the paint on her bumper, then someone rushed over to say that he was a witness and gave her a business card of a lawyer. That day I got a call from her insurance saying that she went to a free clinic and she is trying to get some money from an injury and since I don’t have insurance (you aren’t required to have insurance on a scooter in Florida) they want me to pay them for everything. There was no accident report filed with the police.
Does anyone know what can actually happen to me?
What can I do about this?

No police report filed? Florida law requires you to report an accident if there is injury involved, or if the property damage exceeds $500.00. Their failure to file a police report and now trying to collect from an injury smacks of fraud, especially since a “witness” was conveniently there to present an attorney’s card. You need an attorney or a consult with legal aid.

Sue for auto insurance deductible?

Location, Tampa Fl. Approx 2 years ago my car broke down on the side of the interstate in a legally parked area. (I have police report) I left with a taxi for 10 minutes to get jumpers and came back to a completely totaled car. The driver was 18 and NOT under his parents insurance (whose car he was driving). Since then, my insurance has taken care of settling as far as paying off the totaled car (w/gap insurance) and also covered for my rental car at that time. However, I was just now notified by my insurance company 2 years later that they were unable to recover any money from the responsible party/at fault insurance company (which i guess they are fighting out at their level) and that i am entitled to pursue my $500 deductible. Where do i begin?? I have researched as much as possible and am unsure who, where, and what to do. My insurance company has absolutly no guidance they are able to give me on this matter except for all paperwork involved.

Thanks in advance.
Thanks for all the prompt responses. I never thought to call the individuals personally to give them the option. As far as i can tell, their insurance company is a scam type of deal. Even when the accident happened it took weeks for my insurnace to contact theirs. And with this happening recently, I’ve tried to contact them as well myself and left several messages to no avail. I have 4 years from the date of accident to sue by Florida law. I appreciate the input as far as what forms and sites would help me. Thanks again so much, all this information really helps me alot! I’ll try to call the parents and see what they have to say, but as I recall when i spoke with them soon after the accident, they were very rude and uncooperative. It’s not the $500 for me.. it’s the principle. They should own up to their responsibility.

First off, you should attempt to contact the individual who totaled your car. If you’re only requesting $500, the driver might pay up. You should start with a strongly worded letter explaining that you are entitled to recover the $500 deductible from him since he was at fault.

If he fails to respond and pay the $500, you will need to file a claim in Small Claims Court. The filing fee is modest, no more than $50. You will need to fill out a form entitled “Statement of Claim.” Also, bring any relevant evidence to the courthouse with you. If you do not have a police report, obtain one from the police department.

The “Statement of Claim” form is here: http://www.hillsclerk.com/PublicWeb/WorkArea/linkit.aspx?LinkIdentifier=id&ItemID=2022

A help file is available here: http://www.hillsclerk.com/PublicWeb/WorkArea/linkit.aspx?LinkIdentifier=id&ItemID=1918

(Both forms are PDF)

Any Florida (Tampa) insurance agents out there (auto)????

Well its pretty simple i have a car now and i know how much insurance i am paying now but i have a few questions since i am going to change cars in a few months i am looking at getting an Suv something like a jeep srt-8, trailblazer ss, maybe acura RDX but im not sure what kinda things make insurance cheaper like AWD vs FWD or RWD, auto vs manual etc so if you are an insurance agent and could help me please email me or im me. Thanks

BTW some background info:
17 years old
Male
no accidents, no tickets
right now i have a 2005 mitsubishi lancer that i got brand new when i turned 16 in 2005 and my insurance was at 4k then now it has dropped to $3500. Would an SUV make that big of a difference?
right now i have a 2005 mitsubishi lancer that i got brand new when i turned 16 in 2005 and my insurance was at 4k then now it has dropped to $3500. Would an SUV make that big of a difference? And as of now my dad has me on his policy with a few of his cars (2) and my credit would have no way to be bad if i even have any since both my parents are over 800 and my siblings who are 24 and 21 are also very good for how long they have their credit.

I really hope you get the car or SUV you want.. but I’ve worked in insurance for 20+ yrs… and I have found that if you are worried about the cost of the insurance you probably can’t afford the vehicle.

Sorry.

But at 17.. you have great ambitions…..

Save your money.. stick with the car you have..keep your record clean.. then when you’re 21 go and get the SUV of your dreams.. the insurance will be a fraction of what it is now. And you won’t be sweating it.

Is there an insurance company that will insure my auto, home in Tampa, Florida?

Homeowners is a really, really tough line of business in Florida. Citizens is the only rated carrier, that I know of, writing homeowners. They do NOT write auto.

If you’ve check with some local, independent agents, and they can’t help you, you’re not going to be able to do it that way.

Try this site

http://www.insurancehut.net

Driving without insurance in Tampa

Are you driving without car insurance in Tampa, Florida? What will happen to you when you get caught? Even if you are a meticulous driver, don’t you need an auto insurance?

Before anything else, there is something important you must know. In Florida, as in each and every American state, its illegal to drive without insurance. It is a punishable offence in the eyes of the law and when, not if, you get caught for driving without insurance, you will have to face charges.

Law enforcement agents in the state of Florida are checking people’s insurance frequently. Your driving privilege can be suspended by the Department of Highway Safety and Motor Vehicles for up to 3 years or until you present a proof of Florida car insurance.

Naturally, taking away your drivers license is only the tip of the iceberg. In order to reinstate your drivers license, you will have no choice but to pay a fine as well. You can expect to be fined anything from $150 to $500, depending on your driving history. You will also be required to have SR22 insurance in Florida for the next 3 years!

Apart from the fact that its a crime, driving with no auto insurance in the state of Florida is a bad idea. Statistics show that most serious accidents are caused by drivers without insurance.

Take into consideration that even if you are not caught just yet, it is very probable that you may cause an accident and being uninsured will mean that you will possibly have to pay a very large amount of money to cover repairs and medical expenses.

Experts say that as many as 1 in 5 drivers in the state of Florida are uninsured. Even more true now, considering the state of our economy and the need for people to cut corners. Saving money is one thing, but when it comes to driving in Florida, the law states it clear – you are obliged to have insurance.

Its is much wiser to save money by comparing quotes and finding affordable car insurance in Florida. Driving without insurance is not worth the risk. Why don’t you compare Free Florida No Fault insurance quotes online now? You will be surprised by how affordable car insurance in Florida can really be.