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Old 06-04-2018, 01:01 PM   #1
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Cheap Insurance Florida Before conversion and after?

Bidding at auction that ends tomorrow but was just told I have to have insurance for them to transfer title and register it. Who did you use just from point A to point B as a bus? Who after conversion?

Also, dealer said they are required to title, register and plate vehicles per Florida law. You can't use a DMV when purchasing from a dealer, but they are charging just about double the DMV rates. Is this normal as we have bought other things and never had this issue.
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Old 06-04-2018, 01:04 PM   #2
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I am confused are you bidding at a online auction or are you buying direct from a dealer?
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Old 06-04-2018, 01:44 PM   #3
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It is an auction apparently run by a dealer.
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Old 06-04-2018, 01:49 PM   #4
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Do you currently have a auto policy with someone? My auto policy covers any new purchases for 30 days.
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Old 06-04-2018, 02:02 PM   #5
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Quote:
Originally Posted by Tryonis View Post
Do you currently have a auto policy with someone? My auto policy covers any new purchases for 30 days.
I do with State Farm, but they won't cover it as a bus, only RV.
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Old 06-04-2018, 04:00 PM   #6
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I do with State Farm, but they won't cover it as a bus, only RV.
I'm with State Farm and they will cover it for I believe 7 days to get it home. I asked in a round about way. "Am I covered in ANY vehicle I purchase to get it home?" The answer was Yes. I ten asked "What about a School Bus?" The answer was Yes for 7 days from purchase to get it home, after that I would need the CFPU policy until it is converted.
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Old 06-04-2018, 04:04 PM   #7
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I'm with State Farm and they will cover it for I believe 7 days to get it home. I asked in a round about way. "Am I covered in ANY vehicle I purchase to get it home?" The answer was Yes. I ten asked "What about a School Bus?" The answer was Yes for 7 days from purchase to get it home, after that I would need the CFPU policy until it is converted.
I have State Farm in Washington State. Here they cover purchases for 14 days.

When I got ready to pick up the buses I emailed my SF agent with the vin# and asked "is this covered?". They responded "Yes, you are covered".
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Old 06-04-2018, 04:14 PM   #8
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Just got off the phone with my agent to verify the facts they told me before. My existing policy covers me for 7 days in any "new purchased automobile" . After checking with the underwriters and explaining the exact details, that it's a bus, it was confirmed that I would be covered under the "any new purchase" clause, even though after the 7 days they will not insure as a bus or anything else until it has been conversion completed.
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Old 06-04-2018, 04:26 PM   #9
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Thank You! I will check again with a different agent because who I spoke to said nope and nothing about the 7 days, which would be exactly what I need.
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Old 06-04-2018, 04:31 PM   #10
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Thank You! I will check again with a different agent because who I spoke to said nope and nothing about the 7 days, which would be exactly what I need.
You have to ask them the right way. "Am I covered in any new/used auto purchase?"
The answer should be"yes, for 7 days." When you get that answer then ask What about a bus? Then have them to explain why it is not considered a covered auto?

I asked my agent if it was different in different states and he said "No, the underwriters cover all states."
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