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Auto & Home > Auto Insurance

Auto insurance is something that most Americans can’t live without. Most people have at least one auto, and sometimes more. In many cases, these automobiles are some of their most valuable assets, and they should be protected accordingly. Our office will take the time to make sure that you understand all of the coverage’s on your auto policy. This knowledge will help you better select the right coverage’s for you and your family.

Our agency represents several preferred auto insurance carriers, please call or email for more information on these great companies.

Click a box below for more information.

> Discounts

Everyone loves a discount, which is why we make sure you receive all available discounts and bonuses to help save you money on auto insurance. The summary below is a basic rundown of what we can offer.

Discounts for Safe Drivers

3yr Good Driver Discount—If you've been safe on the road and accident-free for the past three years, and you're also clear of any moving violations, you might qualify for this good driver discount.

5+ yr Good Driver Discount—The best good driver discount available, the 5yr Good Driver Discount could be yours if you're a safe driver with no moving violations and/or accidents for the past five years.

Defensive Driver Discount—If you're 55 or older you could save on your premiums by taking an approved defensive-driving class.

Discounts for Safe Cars

Passive Restraint Systems—If your car came equipped with airbags, or factory-installed motorized seatbelts, you could receive a Passive Restraint Discount on your auto insurance.

Anti-Lock Brakes—If your car has factory-installed ABS (all-wheel, anti-lock braking system), this discount can bring your premiums down. Most newer (1990's or later) vehicles come standard with either 2 wheel or 4 wheel ABS.

Anti-Theft Devices—There are several types of theft devices on the market these days. If you have one of these, it will help reduce your premium.

Other Discounts

Home ownership
Multi-Policy Discounts
Good Student Discount
Resident Student
55 and Retired
New Car
Economy Car
Utility Vehicle

> Coverage Options

Liability Coverage (Bodily Injury & Property Damage)

If you are at fault in an accident that's covered by your auto policy and other people or property are injured or damaged, liability coverage helps protect you and pay the cost of these damages. Everyone has different needs, so we can customize your liability coverage to suit your personal needs.

Our recommendation for property damage is a minimum of 50k. This coverage help's pay for damage to another driver's property (car, house, fence, etc). These days many vehicles have a value over the state requirement of 10k. That’s why we recommend the higher coverage. This increased coverage is usually very affordable, sometimes as little as $1-2 extra per month.

Medical Payment Coverage (Med Pay)

Medical payment coverage helps pay for medical expenses for accident-related injuries, no matter who is at-fault. These expenses can include; hospital stays, doctor visits, x-rays, surgery, and even funeral expenses should the worst happen. Medical payment coverage covers you, your passengers, and other family members. This is a valuable protection that is fairly inexpensive to add to your policy.

Uninsured Motorist Coverage (UM)

This coverage helps pay for medical expenses, when the other driver has little or no insurance. A recent survey found that about 18% of Southwest Florida drivers either have no insurance or carry the state minimum. That’s why UM coverage is a valuable addition to any auto insurance policy.

Personal Injury Protection (PIP)

Personal Injury Protection coverage (or PIP) is required by the state, and covers $10k in medical expenses regardless of who’s at fault. The way PIP pays out is a little more complicated, so please call for a more in depth explanation.

Collision Coverage

This covers your vehicle if you're in an accident that involves a "collision" with another car/s or object/s (trees, house, etc). Collision coverage helps pay for repairs to your vehicle up to the ACV (actual cash value) of your car less the applicable deductible. Typically, you can select a deductible from $100 up to $1000. Keep in mind, the lower the deductible the higher the premium, and visa versa.

Comprehensive Coverage

This coverage helps pay for losses that result from everything that is "not a collision". This can include; fire, theft, vandalism, storms, or even a tree falling on your vehicle. This coverage also provides coverage for broken glass and/or windshields. Like collision, comprehensive coverage carries a deductible, and can affect your premium based on how high or low of a deductible you chose.

Other Coverages

Towing and Labor—This option will help reimburse you for the expense of towing your vehicle, as well as other basic roadside services. You usually have a couple of options; either $50 or $100 per occurrence.

Rental Car Reimbursement—This feature would pay a set amount ($20, 30, 40, etc) for you to rent a vehicle while your car is in the shop being repaired from an accident. The coverage typically pays for a maximum of 30 days. A nice feature, if you only have one vehicle in the household, or if you need a vehicle to get to and from work.

Get a quote today and find out how much you may be able to save. Request an ONLINE QUOTE, or call our Fort Myers office at 239-689-8570 or Orlando office at 407-730-3448.