I moved to Florida from North Carolina for what will be a 6-month period. The state of Florida made me get a Florida driver's license. I still have cars in North Carolina, but I do drive one of them back and forth between the states. I also have a residence in North Carolina. What do I do about car insurance?

You need to purchase car insurance from a licensed Florida insurance agent for the vehicle you use in the Sunshine State.

According to the Florida Department of Highway Safety and Motor Vehicles, anyone who has a vehicle in Florida for more than 90 days in a year must buy personal injury protection and property damage liability insurance coverage. (The days don't have to be consecutive.)

You can't simply maintain your current policy issued in North Carolina for the car you use in Florida. The minimum required insurance must be issued through a Florida agent with an insurance company licensed to do business in the state.

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Don't try to pull a fast one and pretend you still live in North Carolina year-round. Car insurance rates are based on a number of factors, including where the car is usually garaged. You could run into trouble if you keep the insurance company in the dark, get in an accident and it comes to light that you actually live in Florida and knowingly misled the insurer.

Call your agent in North Carolina to explain your situation, including the status of any vehicles you leave behind. Your rates should go down for cars you're keeping in storage and not driving.

For more, see minimum levels of car insurance you are required to buy.