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Florida Seasonal Residents - Save Money On Car Insurance While You're Back Home

Richard Dean Insurance offers a suspension feature which allows our seasonal residents to save money on their car insurance while their vehicles are parked. Our goal is to offer a simple way to save you money on vehicles that are parked as you venture back home for the season.


Covered car parked
Save Money On Car Insurance While You're Back Home

How To Make Sure Your Car is Insured Properly When It's Not In Use

As spring brings warmer temps and the end of winter, many snowbirds are packing up their Florida homes to head back north or midwest for summer - but with careful planning you can still save on car insurance during your stay away!


With just a few simple steps, it's easy to lock in savings while not having to pay premiums on your car insurance in Florida when leaving town.


Car Insurance and Registration Requirements

If you live in Florida more than three months, even if it's spread out across the year, your car needs to be registered and insured with a licensed agent.


So, no matter how much time you spend enjoying the Florida sunshine versus your home winters - keep an eye on when those 90 days past - because that’s when Florida law requires vehicle registration.


Car Insurance for a Vehicle You’re Not Driving

Looking to save a few extra bucks? Consider suspending your car insurance if you have an out-of-use vehicle. It’s easier than ever! With just a couple of steps, you can keep the coins in your pocket and free up some financial breathing room.

  • How long will your car be parked?

  • Do you know when you will be driving your car again?

  • Do you need to keep comprehensive coverage active?

Discover how your answers to specific questions can help you save money on car insurance while away from home! A Richard Dean Insurance agent may be able to provide valuable savings opportunities.


Temporarily Suspend Your Car Insurance While You're Home

If you plan to keep your car idle for a month or more, suspending your car insurance can cut your costs in half. The basic coverage Florida requires will remain in place alongside comprehensive protection from unpredictable damage such as theft and flooding.


The best part? Taking advantage of this money-saving option only takes minutes — get back on track with an easy and cheap car insurance policy solution by calling us today. Avoid costly policy cancellations and choose suspension.


What You Need To Know About Suspending Your Car Insurance

Suspending your car insurance can have serious implications - if you total a car while it's not covered, the burden of repayment is completely on you. To prevent this from happening and maintain financial security, call us before driving again after suspending so that we may reinstate car insurance policy for you.

If you have any questions, or are unsure if this is the right option for you, give us a call, (941) 999 - 3131, or book an appointment online today.


Alternatively you could just visit either of our locations in Lakewood Ranch or Venice. We're open Monday - Friday 8:30 to 5pm EST.

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