Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.
The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.
Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
Auto insurance is required of anyone who drives a vehicle. Since it is against the law not to have insurance shopping for the right one for you is critical. We have helped thousands of southwest Florida drivers gain affordable auto insurance for them and their family. With over 15 years servicing Naples, Fort Myers, Cape Coral and the surrounding areas, we have the knowledge and expertise in auto insurance.
Depending on your budget, you can opt to have the minimum insurance that is required by the State of Florida. This, however, usually does not cover bodily injury, severe car damage, or the other driver’s costs. So, you are taking a large risk by carrying just the minimum. Consider full coverage so that your expenses are covered should an accident occur. We can guide you on the right balance of options that will cover you in an accident or theft and still remain inside of your budget, call anytime and ask for your .