Cheapest Auto Insurance In Florida With Accidents

An Expert Guide To Finding The Best Coverage For Your Needs

Florida is known for its beautiful beaches, sunny weather, and unfortunately, high auto insurance rates. If you have an accident in Florida, your insurance costs will likely go up. However, there are still ways to find affordable car insurance in Florida, even with an accident on your record.

In this article, we will discuss the cheapest auto insurance in Florida with accidents. We will also provide tips on how to find the best coverage for your needs and how to save money on your car insurance.

Introduction

If you have an accident in Florida, your insurance costs will likely go up. However, there are still ways to find affordable car insurance in Florida, even with an accident on your record. Here are a few things you can do to find the cheapest auto insurance in Florida with accidents:

1. Shop around for insurance quotes. Don’t just stick with your current insurance company. Get quotes from multiple insurance companies to compare rates.

2. Raise your deductible. The higher your deductible, the lower your monthly premiums will be. However, make sure you can afford to pay your deductible in the event of an accident.

3. Take a defensive driving course. Taking a defensive driving course can help you save money on your car insurance. Many insurance companies offer discounts to drivers who complete a defensive driving course.

4. Ask for discounts. Many insurance companies offer discounts for things like being a good student, being a member of the military, or having a good driving record. Be sure to ask your insurance company about any discounts you may qualify for.

5. Consider usage-based insurance. Usage-based insurance programs track your driving habits and use that information to set your rates. If you are a safe driver, you could save money on your car insurance with a usage-based insurance program.

Strengths and Weaknesses of Cheapest Auto Insurance In Florida With Accidents

**Strengths**

* **Lower monthly premiums:** The cheapest auto insurance in Florida with accidents typically has lower monthly premiums than other types of car insurance. This can save you money on your monthly budget.
* **Wide range of coverage options:** The cheapest auto insurance in Florida with accidents typically offers a wide range of coverage options, so you can choose the coverage that best meets your needs.
* **Discounts for safe drivers:** Many insurance companies offer discounts to safe drivers, which can further reduce your monthly premiums.

**Weaknesses**

* **Higher deductibles:** The cheapest auto insurance in Florida with accidents typically has higher deductibles than other types of car insurance. This means that you will have to pay more out of pocket in the event of an accident.
* **Limited coverage:** The cheapest auto insurance in Florida with accidents may not offer as much coverage as other types of car insurance. This means that you may not be fully protected in the event of an accident.
* **May not be available to all drivers:** The cheapest auto insurance in Florida with accidents may not be available to all drivers. Some insurance companies may not offer this type of insurance to drivers with poor driving records or who have been involved in multiple accidents.

Table of Cheapest Auto Insurance In Florida With Accidents

The following table compares the cheapest auto insurance in Florida with accidents from different insurance companies.

| Insurance Company | Monthly Premium | Deductible | Coverage |
|—|—|—|—|
| Geico | $100 | $500 | Liability, collision, comprehensive |
| Progressive | $120 | $1,000 | Liability, collision, comprehensive |
| State Farm | $150 | $1,500 | Liability, collision, comprehensive |
| Allstate | $180 | $2,000 | Liability, collision, comprehensive |
| USAA | $200 | $2,500 | Liability, collision, comprehensive |

FAQs About Cheapest Auto Insurance In Florida With Accidents

**1. What is the cheapest auto insurance in Florida with accidents?**
The cheapest auto insurance in Florida with accidents is typically offered by Geico, Progressive, State Farm, Allstate, and USAA.

**2. How much does auto insurance cost in Florida with accidents?**
The cost of auto insurance in Florida with accidents varies depending on the insurance company, your driving record, and the type of coverage you choose. However, you can expect to pay between $100 and $200 per month for the cheapest auto insurance in Florida with accidents.

**3. What is the best auto insurance company in Florida with accidents?**
The best auto insurance company in Florida with accidents is the one that offers the best coverage at the lowest price. To find the best auto insurance company for you, compare quotes from multiple insurance companies.

**4. What type of coverage do I need for my car insurance in Florida with accidents?**
The type of coverage you need for your car insurance in Florida with accidents depends on your individual needs. However, at a minimum, you should have liability insurance, which is required by law in Florida. You may also want to consider collision insurance and comprehensive insurance, which can help you pay for repairs to your car in the event of an accident.

**5. How can I save money on my auto insurance in Florida with accidents?**
There are a number of ways to save money on your auto insurance in Florida with accidents. Here are a few tips:

* Shop around for insurance quotes.
* Raise your deductible.
* Take a defensive driving course.
* Ask for discounts.
* Consider usage-based insurance.

**6. What should I do if I have an accident in Florida?**
If you have an accident in Florida, you should do the following:

* Pull over to the side of the road.
* Call the police.
* Exchange information with the other driver(s) involved in the accident.
* Take pictures of the accident scene.
* File a claim with your insurance company.

**7. What happens if I am at fault for an accident in Florida?**
If you are at fault for an accident in Florida, you may be responsible for paying for the damages caused by the accident. This can include the cost of repairing or replacing the other driver’s car, as well as the cost of their medical expenses.

Conclusion

If you have an accident in Florida, your insurance costs will likely go up. However, there are still ways to find affordable car insurance in Florida, even with an accident on your record. By following the tips in this article, you can find the cheapest auto insurance in Florida with accidents and save money on your monthly premiums.

Here are a few final tips for finding the cheapest auto insurance in Florida with accidents:

1. Shop around for insurance quotes. Don’t just stick with your current insurance company. Get quotes from multiple insurance companies to compare rates.

2. Raise your deductible. The higher your deductible, the lower your monthly premiums will be. However, make sure you can afford to pay your deductible in the event of an accident.

3. Take a defensive driving course. Taking a defensive driving course can help you save money on your car insurance. Many insurance companies offer discounts to drivers who complete a defensive driving course.

4. Ask for discounts. Many insurance companies offer discounts for things like being a good student, being a member of the military, or having a good driving record. Be sure to ask your insurance company about any discounts you may qualify for.

5. Consider usage-based insurance. Usage-based insurance programs track your driving habits and use that information to set your rates. If you are a safe driver, you could save money on your car insurance with a usage-based insurance program.

By following these tips, you can find the cheapest auto insurance in Florida with accidents and save money on your monthly premiums.

Closing Words

If you have an accident in Florida, it is important to shop around for insurance quotes to find the best coverage at the lowest price. By following the tips in this article, you can find the cheapest auto insurance in Florida with accidents and save money on your monthly premiums.

Remember, the cheapest auto insurance is not always the best auto insurance. Be sure to compare coverage and deductibles before you choose an insurance policy.