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Car Insurance Question  I live in Florida. I do not have a car or car insurance. My mom is selling me her car (for $1), she lives in Michigan and that is where the car is currently registered and insured. What steps to I need to take to insure and register it here?

It would appear that you have a Florida license, which will help you get insurance and register the car in your resident state of Florida. The Florida Department of Highway Safety and Motor Vehicles (HSMV) lists exactly how to register a vehicle in this state.

When registering a vehicle in Florida you need to submit the original title and proof of Florida insurance to the local county tax collector or license plate agency. Florida insurance means that the policy has been issued in Florida by an insurance company licensed by the Florida Department of Insurance to do business in FL.

It sometimes feels like a catch-22 with some carriers. You need registration to get insurance but you need insurance to get a registration. CarInsurance.com has carriers available to solve this problem.

Florida's required minimum insurance coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida license plate. If you have been previously been involved in an auto accident, or convicted or certain other offenses, you may be required to also purchase bodily injury liability coverage (BIL).

To get a car insurance quote for any city in Florida, click here.

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This car insurance question was asked on 11/7/2006
This auto insurance answer was last updated on 11/16/2007
Heather requested this car insurance solution.
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