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Drivers don’t have to accept the first offer. There is no guarantee that an insurance company will give anything up in a negotiation, but if a driver feels the settlement isn’t fair, they can take steps to help make a strong case.

According to a recent report by Clearsurance.com, individuals who drive fewer than 10,000 miles a year could save money with Metromile insurance.

According to Clearsurance.com, the cheapest Florida car insurance company available to the general public is Geico, which is as low as $30 monthly for minimum coverage.