Auto Insurance

Everyone loves a discount, which is why we will review your quote with you either over the phone or in person. We want to ensure you are receiving all applicable discounts on your auto insurance. The summary below is a basic rundown of what some of our insurance carriers offer.

Discounts for Safe Drivers

• 3 Year Safe Driving—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 Year Accident Free—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
• Pay in Full

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 for you or your passengers, if injured in an auto accident and the At Fault driver has little or no insurance.  This coverage also protects you and your passengers if struck by a hit-and-run driver. 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 vice 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 per day ($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.