If you’re one of the many snowbirds who enjoy the best of both worlds—warm Florida winters and cooler northern summers—you’re probably used to a lot of planning. However, one thing that often gets overlooked is auto insurance. At Insurance Warehouses of America in Orlando, FL, we help seasonal residents ensure their coverage keeps up with their lifestyle.
Auto Insurance Tips for Snowbirds
Where Is Your Car “Garaged”?
One of the key factors in determining your auto insurance rate is where your vehicle is primarily kept, also known as its “garaging location.” If you spend half the year in Florida and the other half in another state, you’ll need to inform your insurance provider where your car is located during each part of the year. Your rates—and even your coverage—could depend on it.
Do You Need Two Policies?
In most cases, you won’t need two separate auto insurance policies, but it depends on state laws and how long you stay in each place. Some states require drivers to register and insure their vehicles locally if they reside there for a certain number of months. Florida is relatively flexible, but your northern home state might not be. That’s why it’s important to talk to an agent who understands the rules in both locations.
Keep Your Coverage Consistent
The last thing you want is a lapse in coverage or a denied claim because your policy doesn’t match your actual living situation. Staying transparent and proactive with your insurance is the best way to stay protected year-round.
At Insurance Warehouses of America in Orlando, FL, we specialize in helping snowbirds find the right auto insurance solutions. Give us a call today—we’ll make sure your coverage travels with you.
