Check that youāre not overinsuring yourself. I had a ā14 vw on a policy where it had the same coverage as a brand new lease cause of the other car on the household. Also mileage. Ended up separating it.Ā
And if you have people living in your house with bad driving you suffer as well.Ā
In Los Angeles, a friend of mine did just that. He hit a Ferrari. Totaled it. His insurance covered the first $100k and after that, he had to come out of pocket for it. He had to refinance his own home to get the loan amount or file for bankruptcy and lose his house.
$1153 for a corolla, an old nissan pickup, two middle aged drivers, no at fault accidents, no speeding tickets.
Fuck this place. Miami native, cant wait to get out.
Look for the minimum legally required insurance. This covers damages to 3rd parties only, not yourself or your own car. This costs me and my wife ~$215 per month total for our 2 cars. Estrella gives me the best rates. I am a defensive driver with no accidents ever.
It's not just uninsured drivers driving rates up, its the blatant fraud and inside jobs happening. Finance a car but can't pay it? Np problem talk to the right person and your car will be "stolen" and chopped. You might even get your palms greased. Not to mention all the fucked up shit they do in body shops. Everything down here is a scam and everyone knows someone who knows someone that can hook you up.
Uninsured and unlicensed drivers are why our insurance rates are so high. About 1/2 of Miami drivers are uninsured. Most major car insurers don't do business in MDC for that reason, shrinking the supply and increasing premiums. Once you add the fraud to that, our high rates make sense. The solution is to start using plate scanners to ticket and tow every uninsured car on the road, but that is politically untenable as certain politically significant communities here make up a disproportionate amount of the unlicensed and uninsured drivers.
Itās just state enforced private revenue. Fuck em and fuck anyone driving something they canāt afford. Whyās dipshit kid in a new beemer paying as much or less than I am for my old ass Chevy? Donāt make no sense
The state isnāt forcing you to drive. Itās a privilege. You out other peopleās livelihoods at stake when you drive without insurance. Of course it would better if decent insurance was cheaper but it should still be illegal to drive without insurance. And that should be enforced.
Not having insurance is more expensive than having insurance. Because if you pay your insurance premiums and get into an accident, you only have to pay your deductible. But if you are uninsured, then you are paying to fix your car and the one you hit along with any medical bills. If you canāt afford the insurance, then you definitely canāt afford that, which means you canāt afford to drive. Sad but true. Why should I be on the hook when you hit my car because you couldnāt afford to drive?
Well, yeah I think most people follow you, maybe that *should* be how people think but people and things often don't do as others might imagine they *should*.
Some people are more reckless than others for sure, but when you have something happening on a large scale like this we need to be asking more questions about the environment producing that choice. Bottom line is when people are strapped for cash and looking for non essentials to cut from their budget, too many people decide insurance is too much but continuing to drive without it is worth the risk. It's surprisingly a rational decision when you think about it. Especially for people who have trouble evaluating risk, which is a hard thing for everyone to do on some level.
Some people's gut reaction might be to turn up the heat, deter them with higher criminal consequences, but that shit doesn't work. No amount of steep future abstract consequences is going to light a bigger fire under people's asses than the immediate consequences they're trying to avoid in the first place by taking the risk.
Our shitty planning and transportation options are at the root of this. God help us all if we don't fix that
A dude hit me last month on the 23rd and caused me to hit a pole, and tap another car. Come to find out he has no bodily injury protection, and his policy limit is 10k. They valued my car alone at 9,696 dollars. But guess what ? I canāt get the full value for my car because dude has a policy limit of 10k, and money form his policy has to also go to fix the light pole, and the other car. And I donāt have uninsured motorist on my car insurance. So now, theyāre going to give me probably less than half of what my car is actually valued at and they know Iām not going to accept it and I will have to take it to court. Underinsured drivers are just as bad as non insured. If youāre underinsured you better follow driving rules to the text book to ensure you donāt cause a bad accident.
Just because the insurance won't cover the damages doesn't mean the person is no longer liable for them. Sue the guy and get his wages garnished. Small claims is up to 8k and is only a few hoops.
I just had my car totaled by a dude with no insurance a month ago. In a few days he's gonna be getting a letter from my attorney suing him personally for all the damages to my vehicle and my healthcare costs. Does he have 40k? Maybe not, but I bet you the lien he has until he pays it off makes him reconsider driving around with no insurance again.
Do what you will with that information
How did you manage to find a lawyer that would take your case to trial if there was no insurance coverage? Are you paying out of pocket? If there's no insurance, lawyers usually drop the case as there's likely no way to collect.
Yes, theoretically. But what lawyer wants to do all that work, and then get paid a few bucks a month for the rest of eternity. Slim chances any would be willing.
Plus - taking a case to court costs the lawyer a decent chunk of change up front (that he then collects from the settlement proceeds).
The lawyer will do research on assets and if he owns a home you can put a lien on the property. This would all payout at once I believe.
Otherwise dude probably paid a retainer because he wants vengeance. I would do the same if that happened to me. Wouldnāt even be about the money it would be about fucking the other person in the ass so hard they have to deal with it for years to come.
Homestead Exemption in Florida prevents liens from being put on your main property if you get sued. Regardless I highly doubt OP owns any properties here in Florida.
If that guy was driving with no insurance, I really doubt that he has any assets that they can put a lien on. Even if he miraculously owns his home, if itās his only home, thereās nothing that can be done. Also, I donāt see how any PI lawyer would take a case with no insurance. Just filing a Complaint and serving the defendant is almost a grand- and this is before attorney time, paying for medical records and bills, paying for a crash report, etc. I would cut my losses if youāre paying for this lawyer out of pocket.
source: I work in PI. Asset searches on uninsured drivers yield nothing 99.9999% of the time. We work on contingency, so at least at my firm, pursuing cases like this is never worth it. Also. getting a case into litigation is expensive. A letter sent during prelitigation will do nothing if heās uninsured.
"I don't understand why insurance rates are so high" - Person who is driving around without a license and insurance. By brother in christ you are the "We're All Trying To Find The Guy Who Did This" hot dog meme in real life
They know, cause they can check to see when you last had insurance. Theres records of everything. I didnt have a car at all for the past 5 years, and still when I got my van, my rate was higher reason given of 6+mth lapse in insurance. Now that doesnt make sense at all.
My brother in christ, with all due respect, you will never be able to compare insurance rates apples to apples with others due to the nature of how these rates are calculated. Some factors include: Job Title, Time Employed, Daily Commute, Type of vehicle (work, personal, recreation), Credit History, Driving History, etc... It's also worth noting the longer you go without insurance, the higher your rates will be when you finally do acquire insurance.
As for me, i'm currently paying $312 a month for a 2021 Kia K5. I do have an accident on record that is 100% my fault. 24 y/o, good credit, above 65k salary, and in the kendall area if that helps.
The alternatives? E-Bike everywhere.
No, loyalty does not pay anymore.
I was with GEICO for 20 years. No tickets, no accidents, multiple cars. In the last few years they just rocketed the price way up, with the same excuse that it was just normal increases, yadda yadda.
I switched to Progressive because for the exact same coverage limits they were $1,000 less over 6 months. I gave GEICO a chance to match it and they told me they couldnāt.
So now Iām with Progressive. When they start to screw me Iāll switch to someone else.
Interesting I just switched from Progressive to Geico and saved about 40%. Whenever I see an increase of more than 10% on a renewal I shop around for better deals
Sam here, I had usaa and went with progressive. Now, they are raising my policy, 400 for the last renewal. I pay the policy upfront to save that way as no there INS does this. Next month may is the renewal I bet you anything you want they will raise my rate another 400. I also have very clean record.
Just left Progressive after over a decade. Have a commercial policy that costs $10k/yr, as well as a personal policy. They raised my rate over $600/6 mo, so I switched to State Farm.
Iām ebiking everywhere. itās a great bike. No Latina central tho š¤·insurance is a necessary evil. But Iāll give you a tip. If somehow you got a quote in say a different zip code this you would most likely get a much different quote. But at the end of the day itās at least 1.2k per year. You aināt gonna do no better than that. And itās probably gonna be more. Yeah bro I feel like it doesnāt make sense to have a car if you are living non traditionally. I ride with friends, Uber and Lyft when I am not ebiking.
Using a zip code outside of your home address wouldnt work, and ontop of that if it does, and they find out youāre not living there full time (unlikely they probe but if they do) youāll likely get in trouble with them and theyāll definitely raise your rates. If the company wants to be a dick they can come at you for car insurance fraud. (Lying about your zip code does in fact count)
Love my ebike so much
I have a stealth bomber if you familiar
Fooking fast. Feels like Iām hacking the matrix. Limiting my expenses. But again. No latinas
Itās not true. They donāt consider job title etc. Iām an insurance agent and whoever wrote that doesnāt know what they are taking about. Maybe it was satire
I learned that the hard way. Didnāt get my own insurance till almost 33. On a 2015 Camry and I started paying 400 a month. Slowly getting it Lower tho.
car insurance here is awful and its due to so many cases, accidents, fraud and so many uninsured people driving and driving terribly. It was nearly double than what I paid up north....
Yeah, after moving to Broward my rates went down significantly.
Granted, that may also be possibly due to my most recent accident being further in the past (and not getting into other auto-related trouble since).
Call Estrella Insurance. There is no reason you should be paying more in insurance than comprehensive coverage on my brand new Tesla. Avoid the big name insurers unless you have a newer car.
It's not a fraud. It's literally unprofitable to offer affordable insurance with the frequency that people are crashing their cars in Miami. Blame the drivers in the city not the insurance companies!
Look into Staybull Insurance brokers. They got me a great competitive rate as a high-risk driver (multiple accidents, a suspension, and a lapse in insurance) for $225/mo with Bristol West compared to $450 at Geico before they dropped me.
If you want to fix this problem, do minimum coverage instead of nothing. Choosing between comprehensive & nothing is just going to extend the period during which you were uninsured & hike your rates higher.
That being said, Miami has some of the highest car insurance rates (I think #2, after Detroit?) in the country.
Do you know that you will be arrested on the spot if you get pulled over ? Suspended license? No insurance? I bet your plate is expired too. The cop will have no mercy on you. Driving is a privilege not a right. Get off the road!
You are the reason the rates keep skyrocketing. The insurance companies will get theirs by raising rates and the honest will suffer. This is NOT how you stick it to the man.
It is absolutely a fraud. My last policy (for my little 2015 Hyundai) charged almost $400 for no rental coverage, and a $1000 deductible. So not only is it not safe to drive here with all of the floods, traffic, and reckless drivers, but it will cost you a fortune if you damage your car in any way.
The people who drive around here without insurance and the lack of enforcement is why I am forced to carry uninsured drivers insurance.
I canāt fucking wait to move out of this state.
Insurance definitions
Remember here in Florida other driver's are not required to cover your pain, if a driver without insurance hurts you - you have your state health insuranceĀ + mandatory PIP (personal injury protection) for $10,000 with a $1,000 deductible.
If you have uninsured motorist coverage you always have to first use and exhaust your PIP in order to activate it.
In Florida there is no Uninsured/Underinsured Motorist coverage for physical damage to your vehicle so you would have the option to use your collisionĀ coverage and activate it by paying the applicable deductible.
āā-
If you do not have this coverage on your auto policy and you have Ā NOT AT FAULT Accident and other driver has no insurance or not enough to pay you hospital bills, You have $10,000 PIP 1st and it is it not enough it will be your Health insurance, if not, you will pay of your own pocket.
Ā
If you have UMĀ Your company will pay all expenses after $10,000 up to your UM Ā coverage.
Ā
UM is for YOU not you car
Auto insurance is crazy expensive here because of the high number of people driving around without insurance. It's almost double what I was paying in California, because everyone else here is trying to skirt by and get lucky...
If you don't use the car enough to justify the price, then just take Ubers.
Your rates will be way higher because you went without insurance. There was some confusion with my insurance when I traded in a new car. Their system showed I had a car with no insurance (the one I traded) and as a result of having a period with a lapse in insurance, it made my rates go higher.
I would just ditch having a car and get an e bike or scooter and use the metro rail. They allow bikes and stand up scooters on there. Youāll save so much money and headaches.
Like I tell most people you donāt go to Miami for the money or cost savings, you go there for the location and inflation. Lol but I believe auto insurances is high everywhere.
Miami is one of the most expensive cities if not THE for Auto Insurance. The factors can be debated endlessly and nothing will change until everyone just quits insurance altogether. Almost like home insurances are pulling out of FL due to risk we should do the same to insurance companies. Because remember when youāre in an accident and the other driver is at fault, but itās the same insurance company, good luck.
Progressive
$850 Full Coverage paid 6 Mo at a time in advance.
37M
Not married but kids
Renter
Driving and personal record so clean, cops bring sniffer dogs over every time and are on edge when running ID.
One day, everything is going to be a subscription .
I was involved in a 6 car accident on i95 in September 2022, I have been fighting with AllState insurance all this time, the only solution they give me is to make a claim with my insurance and they would pay me a percentage of the deductible because the person responsible for the accident only have 60k in her policy and only one car took 40k, but For me it is not an option because I pay $120 a month for my insurance, if I make the claim my insurance will go through the roof, I spoke with some lawyers but it is not worth it and they do not want to take the case, my car is drivable, (Toyota Corolla 2018) it was rear-ended, bumber, taillight and trunk got damaged, I started fixing it myself because I don't want to trigger anything with my insurance that makes my rates skyrocketing.
Itās not just MDC but all of South Florida. Iām on this sub because I worked in MIA for years but I live west of 95 in Plantation, have no claims or tickets and my insurance is much higher than a few years ago. As others have said, shop around. I did Progressive & Geico and am now with another solid company but loyalty is out the window
You never did anything wrong but somehow your license is suspended. Imma go with you need to look yourself in the mirror and tell yourself the truth.
I drive a V8 Dodge Challenger and pay $220 a month.
Why insurance companies skyrocketing their prices? Hmmm. Let's take a look. At seems that we have a lot more people without insurance on the roads driving in florida . That why insurance companies put this burden on us - fellow legally responsible drivers.
Youāre being quoted higher rates because youāve shown yourself to be unreliable in a way insurance companies translate as a risky bet. Wait any longer any you may find yourself uninsurable.
Bro Iām 21 and got my first car, if it wasnāt for my uncle Iād be paying freaking 600 bucks at LEASTš, itās incredible how expensive it is, but looking at how ppl drive on the streets I realize why is it that expensive
Itās an actual scam. Only been in 2 accidents since Iāve been driving (2017) both while I was in a parking lot and neither my fault lol literally was hit while parked for the first one. No tickets no claims. My insurance has never been below $350 when I was in college I couldnāt find anything below $400. I went with a smaller company this year and Iām paying $366 for a damn Corolla and Iām turning 26 soon. Idk if itās personal but Iāve lived in Orlando, Pembroke Pines, and Miami and the rates are all the same.
Welcome to Florida. Auto insurance has skyrocketed because there are so many more drivers here post COVID, meaning more and more accidents. Then there are folks like YOU driving without insurance that make uninsured motorist go up.
Stay uninsured š¤·š¾āāļø and unlicensed u good my boy idk y u came on here to tell on yourself
Good advice from one douche to another
Check that youāre not overinsuring yourself. I had a ā14 vw on a policy where it had the same coverage as a brand new lease cause of the other car on the household. Also mileage. Ended up separating it.Ā And if you have people living in your house with bad driving you suffer as well.Ā
You can never have enough coverage. You crash into a luxury supercar in Miami and you'll wish you had at least $100K property damage
In Los Angeles, a friend of mine did just that. He hit a Ferrari. Totaled it. His insurance covered the first $100k and after that, he had to come out of pocket for it. He had to refinance his own home to get the loan amount or file for bankruptcy and lose his house.
Yup. That's why I have the maximum auto policy limits and an umbrella policy on top of that for $300 a year for $2 million
With all due respect go fuck your self. You are the problem.
Public transportation or Uber/Lyft Or see if you can pay 6 months to a year and see how much money that saves
$1153 for a corolla, an old nissan pickup, two middle aged drivers, no at fault accidents, no speeding tickets. Fuck this place. Miami native, cant wait to get out.
Im out here with no accidents no tickets. I was just quoted $5,531 yearly for a 2013 ford focus
Look for the minimum legally required insurance. This covers damages to 3rd parties only, not yourself or your own car. This costs me and my wife ~$215 per month total for our 2 cars. Estrella gives me the best rates. I am a defensive driver with no accidents ever.
It's not just uninsured drivers driving rates up, its the blatant fraud and inside jobs happening. Finance a car but can't pay it? Np problem talk to the right person and your car will be "stolen" and chopped. You might even get your palms greased. Not to mention all the fucked up shit they do in body shops. Everything down here is a scam and everyone knows someone who knows someone that can hook you up.
Uninsured and unlicensed drivers are why our insurance rates are so high. About 1/2 of Miami drivers are uninsured. Most major car insurers don't do business in MDC for that reason, shrinking the supply and increasing premiums. Once you add the fraud to that, our high rates make sense. The solution is to start using plate scanners to ticket and tow every uninsured car on the road, but that is politically untenable as certain politically significant communities here make up a disproportionate amount of the unlicensed and uninsured drivers.
[ŃŠ“Š°Š»ŠµŠ½Š¾]
Itās just state enforced private revenue. Fuck em and fuck anyone driving something they canāt afford. Whyās dipshit kid in a new beemer paying as much or less than I am for my old ass Chevy? Donāt make no sense
They arenāt their parents bought them their beamer and pay the insurance.
The state isnāt forcing you to drive. Itās a privilege. You out other peopleās livelihoods at stake when you drive without insurance. Of course it would better if decent insurance was cheaper but it should still be illegal to drive without insurance. And that should be enforced.
Not having insurance is more expensive than having insurance. Because if you pay your insurance premiums and get into an accident, you only have to pay your deductible. But if you are uninsured, then you are paying to fix your car and the one you hit along with any medical bills. If you canāt afford the insurance, then you definitely canāt afford that, which means you canāt afford to drive. Sad but true. Why should I be on the hook when you hit my car because you couldnāt afford to drive?
Well, yeah I think most people follow you, maybe that *should* be how people think but people and things often don't do as others might imagine they *should*. Some people are more reckless than others for sure, but when you have something happening on a large scale like this we need to be asking more questions about the environment producing that choice. Bottom line is when people are strapped for cash and looking for non essentials to cut from their budget, too many people decide insurance is too much but continuing to drive without it is worth the risk. It's surprisingly a rational decision when you think about it. Especially for people who have trouble evaluating risk, which is a hard thing for everyone to do on some level. Some people's gut reaction might be to turn up the heat, deter them with higher criminal consequences, but that shit doesn't work. No amount of steep future abstract consequences is going to light a bigger fire under people's asses than the immediate consequences they're trying to avoid in the first place by taking the risk. Our shitty planning and transportation options are at the root of this. God help us all if we don't fix that
A dude hit me last month on the 23rd and caused me to hit a pole, and tap another car. Come to find out he has no bodily injury protection, and his policy limit is 10k. They valued my car alone at 9,696 dollars. But guess what ? I canāt get the full value for my car because dude has a policy limit of 10k, and money form his policy has to also go to fix the light pole, and the other car. And I donāt have uninsured motorist on my car insurance. So now, theyāre going to give me probably less than half of what my car is actually valued at and they know Iām not going to accept it and I will have to take it to court. Underinsured drivers are just as bad as non insured. If youāre underinsured you better follow driving rules to the text book to ensure you donāt cause a bad accident.
I feel youā¦ my last accident was with a guy with expired Estrella insurance. Luckily I had uninsured with State Farm and got my car fixed .
People....uninsured motorist coverage does not fix vehicles in Florida. Its strictly for injuries. Collision fixes your own vehicles.
Most people will settle for the payout, your situation is pretty rare in that you had a multi car collision and property damage.
Just because the insurance won't cover the damages doesn't mean the person is no longer liable for them. Sue the guy and get his wages garnished. Small claims is up to 8k and is only a few hoops.
I just had my car totaled by a dude with no insurance a month ago. In a few days he's gonna be getting a letter from my attorney suing him personally for all the damages to my vehicle and my healthcare costs. Does he have 40k? Maybe not, but I bet you the lien he has until he pays it off makes him reconsider driving around with no insurance again. Do what you will with that information
No attorney is going to take your case to sue some uninsured poor mofo. Lol. It sucks. That's why you have insurance.
Bless your heart.
How did you manage to find a lawyer that would take your case to trial if there was no insurance coverage? Are you paying out of pocket? If there's no insurance, lawyers usually drop the case as there's likely no way to collect.
Can't they garnish his wages to collect the money?
Yes, theoretically. But what lawyer wants to do all that work, and then get paid a few bucks a month for the rest of eternity. Slim chances any would be willing. Plus - taking a case to court costs the lawyer a decent chunk of change up front (that he then collects from the settlement proceeds).
The lawyer will do research on assets and if he owns a home you can put a lien on the property. This would all payout at once I believe. Otherwise dude probably paid a retainer because he wants vengeance. I would do the same if that happened to me. Wouldnāt even be about the money it would be about fucking the other person in the ass so hard they have to deal with it for years to come.
Homestead Exemption in Florida prevents liens from being put on your main property if you get sued. Regardless I highly doubt OP owns any properties here in Florida.
This is the correct answer
Maybe the judge will order him to be your butler.
Is this customary in your country? Please have an orange.
He could become the guyās pimp, and make him do onlyfans and get a cut. Muy MiamiĀ
If that guy was driving with no insurance, I really doubt that he has any assets that they can put a lien on. Even if he miraculously owns his home, if itās his only home, thereās nothing that can be done. Also, I donāt see how any PI lawyer would take a case with no insurance. Just filing a Complaint and serving the defendant is almost a grand- and this is before attorney time, paying for medical records and bills, paying for a crash report, etc. I would cut my losses if youāre paying for this lawyer out of pocket. source: I work in PI. Asset searches on uninsured drivers yield nothing 99.9999% of the time. We work on contingency, so at least at my firm, pursuing cases like this is never worth it. Also. getting a case into litigation is expensive. A letter sent during prelitigation will do nothing if heās uninsured.
I use USAA. It's not super cheap because it's South Florida and South Florida is full of jerks like you driving around like maniacs without insurance.
"I don't understand why insurance rates are so high" - Person who is driving around without a license and insurance. By brother in christ you are the "We're All Trying To Find The Guy Who Did This" hot dog meme in real life
You think driving in a suspended license has nothing to do with it..
How would they know though? For all they know he's out of the country and someone else is using his car...
They know, cause they can check to see when you last had insurance. Theres records of everything. I didnt have a car at all for the past 5 years, and still when I got my van, my rate was higher reason given of 6+mth lapse in insurance. Now that doesnt make sense at all.
How do they know? Look at insurance rates in Miami.
Youd be suprised how many ācreditā reports exist. They can also see when you were last insured.
My brother in christ, with all due respect, you will never be able to compare insurance rates apples to apples with others due to the nature of how these rates are calculated. Some factors include: Job Title, Time Employed, Daily Commute, Type of vehicle (work, personal, recreation), Credit History, Driving History, etc... It's also worth noting the longer you go without insurance, the higher your rates will be when you finally do acquire insurance. As for me, i'm currently paying $312 a month for a 2021 Kia K5. I do have an accident on record that is 100% my fault. 24 y/o, good credit, above 65k salary, and in the kendall area if that helps. The alternatives? E-Bike everywhere.
Damn. Im paying 160 for 100/100. Loyalty pays
Heās a 24 year old male, his rates will be expensive no matter what
If only I got fucked this often by women instead of insurance
No, loyalty does not pay anymore. I was with GEICO for 20 years. No tickets, no accidents, multiple cars. In the last few years they just rocketed the price way up, with the same excuse that it was just normal increases, yadda yadda. I switched to Progressive because for the exact same coverage limits they were $1,000 less over 6 months. I gave GEICO a chance to match it and they told me they couldnāt. So now Iām with Progressive. When they start to screw me Iāll switch to someone else.
This is the way
Basically same thing for me; with GEICO for years, price doubled over a few years for no reason, just switched to Progressive for almost 50% less.
Interesting I just switched from Progressive to Geico and saved about 40%. Whenever I see an increase of more than 10% on a renewal I shop around for better deals
Sam here, I had usaa and went with progressive. Now, they are raising my policy, 400 for the last renewal. I pay the policy upfront to save that way as no there INS does this. Next month may is the renewal I bet you anything you want they will raise my rate another 400. I also have very clean record.
Same. I pay more for my two cars than for my house with wind and flood. A lot more.
Loyalty doesnāt pay with insurance they offer great intro rates and then jack up your price after that.
Just left Progressive after over a decade. Have a commercial policy that costs $10k/yr, as well as a personal policy. They raised my rate over $600/6 mo, so I switched to State Farm.
What company tho and whatās your location
Iām ebiking everywhere. itās a great bike. No Latina central tho š¤·insurance is a necessary evil. But Iāll give you a tip. If somehow you got a quote in say a different zip code this you would most likely get a much different quote. But at the end of the day itās at least 1.2k per year. You aināt gonna do no better than that. And itās probably gonna be more. Yeah bro I feel like it doesnāt make sense to have a car if you are living non traditionally. I ride with friends, Uber and Lyft when I am not ebiking.
Using a zip code outside of your home address wouldnt work, and ontop of that if it does, and they find out youāre not living there full time (unlikely they probe but if they do) youāll likely get in trouble with them and theyāll definitely raise your rates. If the company wants to be a dick they can come at you for car insurance fraud. (Lying about your zip code does in fact count)
This is the way.
E-bikes are great!
Love my ebike so much I have a stealth bomber if you familiar Fooking fast. Feels like Iām hacking the matrix. Limiting my expenses. But again. No latinas
325 bucks for a C max hybrid, 2018. Never hand an accident, never had a ticket, and I have been driving since 2009ā¦ jesus christ
How do you figure out what Job Title helps you the most? š
Itās not true. They donāt consider job title etc. Iām an insurance agent and whoever wrote that doesnāt know what they are taking about. Maybe it was satire
Wtf? My wife and I pay $360/mo and we have a Lexus TX 2024 and a Honda Accord 2019ā¦ thatās a terrible rate isnāt it?
I learned that the hard way. Didnāt get my own insurance till almost 33. On a 2015 Camry and I started paying 400 a month. Slowly getting it Lower tho.
Get a motorcycle, Iām not even trying to be funny
āļø
Wait how are you renewing your tags if you donāt have insurance?
The state will always take your money lol. You have to have tags or you will get towed if youāre parked on the street or in an apartment complex
Right but you need insurance to renew your tags
They will insure you they just wont cover it when you get in an accident
I would bet money this dirt bagās tags are expired too
car insurance here is awful and its due to so many cases, accidents, fraud and so many uninsured people driving and driving terribly. It was nearly double than what I paid up north....
No fault state also plays into it. As well as Republicans bending over for insurance companies in the State
(Fill In The Blank) in Miami is a fraud.
I pay 159 a month for a 2020 Honda HRV
This post is so Miami.
You could probably find something for under $300 when your suspended license goes back to normal
Windhaven was so cheap because they didn't actually fix people's cars. Remember what happened to them?
Bus
No alternatives
Try local statefarm offices, they give lower rates.
Statefarm wont unless your income is high. Thats their target market. He needa to go to an agency that covers people with sub prime credit etc.
I have no credit history and got a good deal with statefarm.
Everyone has some form of credit history believe it or not. Insurance does not use the same report as you are thinking
You can thank all of the uninsured drivers and car thieves for that.
Not living in Miamiā¦ No provider is going to be affordable if have your place of residence in Miami
Yeah, after moving to Broward my rates went down significantly. Granted, that may also be possibly due to my most recent accident being further in the past (and not getting into other auto-related trouble since).
Broward is bad too
As a Broward resident my rates have gone up as Miami residents have moved here. Do we all just keep moving north?!
Call Estrella Insurance. There is no reason you should be paying more in insurance than comprehensive coverage on my brand new Tesla. Avoid the big name insurers unless you have a newer car.
It's not a fraud. It's literally unprofitable to offer affordable insurance with the frequency that people are crashing their cars in Miami. Blame the drivers in the city not the insurance companies!
Also blame the state for handing out licenses like candy and having lax enforcement.
Look into Staybull Insurance brokers. They got me a great competitive rate as a high-risk driver (multiple accidents, a suspension, and a lapse in insurance) for $225/mo with Bristol West compared to $450 at Geico before they dropped me. If you want to fix this problem, do minimum coverage instead of nothing. Choosing between comprehensive & nothing is just going to extend the period during which you were uninsured & hike your rates higher. That being said, Miami has some of the highest car insurance rates (I think #2, after Detroit?) in the country.
I got progressive and i pay 50 a month. Its the cheapest option i could find
Go to diaryland. They donāt like to pay but they cheap
Do you know that you will be arrested on the spot if you get pulled over ? Suspended license? No insurance? I bet your plate is expired too. The cop will have no mercy on you. Driving is a privilege not a right. Get off the road!
You're not wrong. I got pulled over twice with no ins and sus license. It's all luck I didn't get arrested. Got my car towed though
You are the reason the rates keep skyrocketing. The insurance companies will get theirs by raising rates and the honest will suffer. This is NOT how you stick it to the man.
It is absolutely a fraud. My last policy (for my little 2015 Hyundai) charged almost $400 for no rental coverage, and a $1000 deductible. So not only is it not safe to drive here with all of the floods, traffic, and reckless drivers, but it will cost you a fortune if you damage your car in any way.
Yāall want latinas in latina central. Ya gotta pay up
Uninsured drivers should get jail time and mandatory wages garnished for damage caused
HOW are they going to have wages that can be garnished if they go to jail and lose their jobs? Just perpetuating a cycle of poverty.
Migrated? Is this a bird sub?? You immigrated
Progressive
The people who drive around here without insurance and the lack of enforcement is why I am forced to carry uninsured drivers insurance. I canāt fucking wait to move out of this state.
Insurance definitions Remember here in Florida other driver's are not required to cover your pain, if a driver without insurance hurts you - you have your state health insuranceĀ + mandatory PIP (personal injury protection) for $10,000 with a $1,000 deductible. If you have uninsured motorist coverage you always have to first use and exhaust your PIP in order to activate it. In Florida there is no Uninsured/Underinsured Motorist coverage for physical damage to your vehicle so you would have the option to use your collisionĀ coverage and activate it by paying the applicable deductible. āā- If you do not have this coverage on your auto policy and you have Ā NOT AT FAULT Accident and other driver has no insurance or not enough to pay you hospital bills, You have $10,000 PIP 1st and it is it not enough it will be your Health insurance, if not, you will pay of your own pocket. Ā If you have UMĀ Your company will pay all expenses after $10,000 up to your UM Ā coverage. Ā UM is for YOU not you car
Uh huh. This has nothing to do with the lax enforcement.
donāt drive
Auto insurance is crazy expensive here because of the high number of people driving around without insurance. It's almost double what I was paying in California, because everyone else here is trying to skirt by and get lucky... If you don't use the car enough to justify the price, then just take Ubers.
Your rates will be way higher because you went without insurance. There was some confusion with my insurance when I traded in a new car. Their system showed I had a car with no insurance (the one I traded) and as a result of having a period with a lapse in insurance, it made my rates go higher.
Auto insurance anywhere is a fraud. But weve accepted it and so it wont change
Alternative is become one of the scooter squad.
You are lucky the Highway Patrol hasnāt pulled your tag.
Brother, time to call up the general.
For a great low rate you can get online, go to the general and save some time!
I would just ditch having a car and get an e bike or scooter and use the metro rail. They allow bikes and stand up scooters on there. Youāll save so much money and headaches.
You're part of the reason insurance is so high. All the uninsured drivers are a big part of prices aside from the greed of insurance companies
Like I tell most people you donāt go to Miami for the money or cost savings, you go there for the location and inflation. Lol but I believe auto insurances is high everywhere.
You get what you pay for. We all pay high insurance prices. You want cheap? Move to the middle of Kansas.
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Miami is one of the most expensive cities if not THE for Auto Insurance. The factors can be debated endlessly and nothing will change until everyone just quits insurance altogether. Almost like home insurances are pulling out of FL due to risk we should do the same to insurance companies. Because remember when youāre in an accident and the other driver is at fault, but itās the same insurance company, good luck. Progressive $850 Full Coverage paid 6 Mo at a time in advance. 37M Not married but kids Renter Driving and personal record so clean, cops bring sniffer dogs over every time and are on edge when running ID. One day, everything is going to be a subscription .
I was involved in a 6 car accident on i95 in September 2022, I have been fighting with AllState insurance all this time, the only solution they give me is to make a claim with my insurance and they would pay me a percentage of the deductible because the person responsible for the accident only have 60k in her policy and only one car took 40k, but For me it is not an option because I pay $120 a month for my insurance, if I make the claim my insurance will go through the roof, I spoke with some lawyers but it is not worth it and they do not want to take the case, my car is drivable, (Toyota Corolla 2018) it was rear-ended, bumber, taillight and trunk got damaged, I started fixing it myself because I don't want to trigger anything with my insurance that makes my rates skyrocketing.
Itās not just MDC but all of South Florida. Iām on this sub because I worked in MIA for years but I live west of 95 in Plantation, have no claims or tickets and my insurance is much higher than a few years ago. As others have said, shop around. I did Progressive & Geico and am now with another solid company but loyalty is out the window
You never did anything wrong but somehow your license is suspended. Imma go with you need to look yourself in the mirror and tell yourself the truth. I drive a V8 Dodge Challenger and pay $220 a month.
Put an address in Ft Lauderdale and check the price
Miami is a FRAUD lol
Lmao this guy is returning to jamaica apparently, you are part of the problem with high rates in FL. Sounds like you just canāt afford it
Why insurance companies skyrocketing their prices? Hmmm. Let's take a look. At seems that we have a lot more people without insurance on the roads driving in florida . That why insurance companies put this burden on us - fellow legally responsible drivers.
Moral of the story: Weāre all paying jacked up rates in south florida because of irresponsible people like this OP.
Youāre being quoted higher rates because youāve shown yourself to be unreliable in a way insurance companies translate as a risky bet. Wait any longer any you may find yourself uninsurable.
Walk
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For what kind of car ? My latest rate that i received is $382/month.
SOUTHERN FARM BUREAU !!!
Bro Iām 21 and got my first car, if it wasnāt for my uncle Iād be paying freaking 600 bucks at LEASTš, itās incredible how expensive it is, but looking at how ppl drive on the streets I realize why is it that expensive
People in Miami have auto insurance? Who would have guessed.
Itās an actual scam. Only been in 2 accidents since Iāve been driving (2017) both while I was in a parking lot and neither my fault lol literally was hit while parked for the first one. No tickets no claims. My insurance has never been below $350 when I was in college I couldnāt find anything below $400. I went with a smaller company this year and Iām paying $366 for a damn Corolla and Iām turning 26 soon. Idk if itās personal but Iāve lived in Orlando, Pembroke Pines, and Miami and the rates are all the same.
I remember when I was working and driving from Kendall to South Beach on my motorcycle I did not have to pay for insurance and gas was amazing.
Welcome to Florida. Auto insurance has skyrocketed because there are so many more drivers here post COVID, meaning more and more accidents. Then there are folks like YOU driving without insurance that make uninsured motorist go up.
Insurance is one of the biggest things to go up in price the last couple of years. Mine has nearly doubled. Itās insane.