It's important to know how to reduce auto insurance in Florida after you have had an accident. Insurance is going to increase because you have cost them money. Regardless of how much money they had to pay, you are going to see an increase in your premium.
You didn't have a choice in the matter when it came to filing a claim. In fact, even if you decided not to file a claim, the accident could have come with points on your license. Every so often, insurance companies get updates on your driver history, and premiums are adjusted accordingly.