FL Insurance and Registration Process

[David Niblett]

I have had several people tell me that things work out a lot better when you go through a title company that will get the car titled as a 65,66,67,etc and then you can just transfer the title to FL. This is how I planned on doing this based on my neighbors advice (he is an insurance adjustor and she is an agent for Allstate).

This is for several reasons. 1) Emissions - if it's titled as a 2001, and you are in an emissions testing area, you must comply (so I'm told). Also if you sell the car to someone that lives in such an area they will have to comply. 2) Most cars over 20-25 years old are considered "classic" and most agency's will only insure for stated value. This they say is an absolute must. Otherwise if you have to file a claim, they may opt to try and have it fixed, and you all know they will pick the cheapest way out there. If it's a stated value, they should simply stroke you a check for the value.
3) DOT, the taxing and anal-retentive qualities of the agent you get will highly effect the tax and such you pay. If it's just a transfer, life is much simpler. This isn't so bad now that FL dropped that outrageous fee for transfering a title.

Just some food for thought.

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David