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Buying Temporary Car Insurance In Florida?

Updated: 9/27/2023
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12y ago

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Temporary car insurance can be purchased by Florida residents for one of several reasons. There are situations where a long-term liability policy and collision coverage is simply not needed. This is the case with classic and antique cars that spend most of the time in a garage. Those who do not own a vehicle and drive sparingly may save money by purchasing short-term liability insurance rather than carrying a permanent blanket policy. Cars purchased out of state and transported to the owner's home may require a temporary policy if the purchase does not include coverage for the long distance moving of the vehicle.

What Temporary Insurance Includes

Florida law requires all vehicle owners to purchase personal injury protection as well as property damage protection. This coverage will be in force no matter who is driving the vehicle. However, many insurance providers will not honor an insurance claim if an individual other than the owner or a family member drives the vehicle for an extensive period. In this situation a temporary policy will include liability as well as collision coverage if the vehicle is being financed or the owner demands this coverage for anyone borrowing the car.

Classic And Antique Cars

Florida residents who carry comprehensive insurance on a classic car may wish to purchase additional coverage only when the vehicle is being transported. If the car is being taken to an auto show the comprehensive insurance that covers the car while it is storage will not be sufficient in case of an accident caused by the owner. If the car is actually being driven the law requires liability coverage in the form of PIP and PDP. Adding this to the comprehensive insurance policy may be more expensive than simply taking out a temporary policy that expires in just a few days or weeks.

Purchasing A Car Out Of State

This is the most common reason for buying temporary insurance for a vehicle. Most insurance companies will not honor a claim if the car is not yet in the possession of the owner. Those purchasing a vehicle that will be moved to Florida by an independently contracted driver or a transporter service may wish to invest in short-term insurance. Auto transport companies insure the vehicle but the rates may be extremely high and not cover the full value of the car.

Those with car insurance in force may wish to talk with their Florida insurance agent about temporary coverage for a classic car or to insure a part-time driver. Rates will be higher than a long-term policy but will probably be favorable if the owner already has some form of vehicle protection.
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Q: Buying Temporary Car Insurance In Florida?
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Related questions

Is it possible to get temporary car insurance in Florida?

In the state of Florida, you can buy insurance from 3 months to 6 months to more if you want. They do not have weekly insurance, but as long as its a few months, you can do that.


Can you drive a new car with temporary plate?

Yes. You need to get insurance binder on the new car. you can get this from insurance agent by providing your personal details and VIN number of the car you are buying.


How long do you have to switch insurance after buying another car in Florida?

Talk to your agent to be sure


What company offers cheap temporary car insurance?

There are many companies that offer cheap temporary car insurance. Examples of companies that offer cheap temporary car insurance includes Pioneers Insurance and Direct General.


Where in New Jersey can I buy temporary car insurance?

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How do I get Florida temporary car insurance?

You would have to go to the local D.M.V.(Department Of Motor Vehicles)and get them to sign off in the computer that you are trying to get temporary auto insurance , just in case the police pull you over there will be notification that you have temporary instead of none at all.


How do Georgia car insurance prices compare to Florida?

The car insurance in Georgia is much cheaper than the insurance in Florida. Florida has some of the highest car insurance in the nation.


Can a 17 year old get temporary car insurance?

A 17 year old can get a temporary car insurance, but it will cost quite a fortune.


Where can I get new jersey temporary car insurance?

You can get New Jersey temporary car insurance by checking with local car insurance companies such as Triple A and Geico. Shop around to get the best rates.


Where would you find temporary car insurance?

It's very easy to find temporary car insurance. Many companies offer temporary car insurance. The best thing to do is get a comparative quote so that you can get the best deal and find the insurance that best suits your needs.


Can you get temporary car insurance third party only?

No, car insurance is only temporary when you are renting a car from a rental company, The reson it is temporary is because the company pays it monthly buiy you pay for it dailt.


Can you drive a car in Florida if the owner has insurance on the car but you do not have car insurance?

no