Fort Myers, Florida is a beautiful city known for its stunning beaches and vibrant lifestyle. However, like any other city, it’s important to have auto insurance to protect yourself and your vehicle on the road. Insurance premiums can vary based on several factors, including your driving record, but there are affordable options available. In this article, we’ll explore the cheapest auto insurance companies in Fort Myers for drivers with incidents on their records, such as speeding tickets, at-fault accidents, and DUI convictions.
Cheapest Car Insurance for Drivers with a Speeding Ticket: State Farm
Receiving a speeding ticket can have a significant impact on your car insurance rates. Insurance companies view it as a sign of risky driving behavior, which increases the likelihood of future accidents and claims. Consequently, your insurance premiums rise, even if you didn’t cause an accident.
In Fort Myers, drivers with a speeding ticket on their record pay an average of $231 per month for liability coverage. However, it is possible to find more affordable coverage. Below, you can find a table highlighting the cheapest car insurance companies in Fort Myers for drivers with a speeding ticket.
Cheapest Car Insurance for Drivers with an At-Fault Accident: State Farm
Accidents happen, and unfortunately, they can lead to substantial increases in car insurance rates. Similar to speeding tickets, an at-fault accident raises your risk of future claims, resulting in higher premiums. Avoiding accidents not only ensures your safety but also helps maintain affordable insurance rates.
Fort Myers drivers with an at-fault accident on their record pay an average of $252 per month for liability coverage. Keep in mind that the rates may vary based on your specific circumstances. Here are the cheapest auto insurance companies in Fort Myers for drivers with an at-fault accident:
Cheapest Car Insurance for Drivers with a DUI: State Farm
Driving under the influence (DUI) is a serious offense that can have a profound effect on your car insurance rates. In Lee County, there has been a notable increase in alcohol-related car crashes. A DUI conviction signals a significant risk, indicating a higher probability of accidents and claims.
Fort Myers drivers with a DUI on their record pay an average of $290 per month for liability coverage. It’s essential to note that Florida may require you to purchase and maintain FR-44 insurance coverage, which can increase your rates for three or more years. Here are the cheapest auto insurers in Fort Myers for drivers with a DUI:
FAQs
1. Can I find cheaper car insurance options if I have no incidents on my driving record?
Yes, having a clean driving record can lead to more affordable car insurance rates. Insurance companies generally consider drivers with a history of safe driving as lower risks, resulting in lower premiums.
2. Are there any other factors besides incidents that affect car insurance rates?
Yes, car insurance rates can be influenced by factors such as your age, the type of vehicle you drive, your credit score, and the level of coverage you choose. It’s important to consult with insurance providers to understand how these factors can affect your rates.
3. How can I lower my car insurance rates?
To lower your car insurance rates, you can consider taking defensive driving courses, maintaining a clean driving record, opting for higher deductibles, and bundling your insurance policies.
Conclusion
Finding the cheapest auto insurance in Fort Myers is possible, even if you have incidents on your driving record. Companies like State Farm offer competitive rates and coverage options tailored to your specific needs. Remember to consider factors beyond incidents that affect your rates and explore ways to lower your premiums. Drive safely and protect yourself with affordable and reliable auto insurance coverage.
