Auto Insurance Basics 101

Overview of Your Personal Auto Policy

Liability Coverage (Bodily Injury & Property Damage)

If you are deemed to be 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. Remember when your insurance coverage limits are exhausted, you will be paying out of your pocket. Our recommendation for bodily injury limits is $ 50k per person / $ 100k per accident, property damage limits is a minimum of 50k per accident.  This coverage helps to pay for damage to another driver’s property (car, house, fence, etc). With pickup trucks costing in excess of $ 50k these days, many vehicles have values in excess of the state requirement of $10k. That’s why we recommend the higher coverage. This increased coverage is usually very affordable, sometimes as little as a few dollars extra per month.

Medical Payment Coverage (Med Pay)

Medical payment coverage helps pay for medical expenses for accident-related injuries to your family and passengers, 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 and other damages incurred by your family and passengers when the other driver carries little or no bodily injury liability insurance. A recent survey found that about 20% of drivers in SWFL 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 and other expenses regardless of who’s at fault. The way PIP pays out is a little more complicated, so please call or stop by 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 or cars or objects (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, that you can save money by choosing a the higher the premium.

 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 Coverage that can be added.

Towing and Labor—This option will help reimburse you for the expense of having your vehicle towed, as well as other basic roadside services. You usually have a couple of coverage 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 due to 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.

Customizing Equipment—Custom wheels, gauges, and other aftermarket products that are permanently installed to the vehicle.  Stated amount coverage is available for values over $ 5,000.

Loan Payoff Coverage—Pays for the difference between the actual cash value and any greater amount that you may owe under a finance or lease agreement to a financial institution.  Limited to 25% of actual cash value. Some conditions apply.

Typical Available Discounts –  How Many do you qualify for?

Advance quote discount

Multi Car discount

Continuous coverage discount

Paid in Full discount

Three year Safe Driving discount

Five Year Accident Free discount

Vehicle Anti Lock Brake, Airbag, Passive Anti-Theft discounts

Multi-Policy Discount

Senior Citizen discount


We have Great Auto Insurance Rates.  See how many Discounts you may qualify for. 

Request a Quick Quote from Website or Call 239-265-9577.




What Do I Need To Know About Insuring An Antique Car?

Fort Myers, Florida can be a beautiful city. The summers are warm and the winters never get too cold. There are various car shows held throughout the year and other pastimes found within the city include golf, tennis, and sunbathing at the beach.

If you have an antique car, it’s important to know about classic car insurance. It works differently than standard insurance because it is going to value your car differently. Since it is a collectible, it’s worth more. In the event you are involved in an accident, you want what it’s worth, not what the value is based upon standard depreciation.

There are various factors that go into how classic car insurance is calculated. This includes such things as:

– Make and model of your car

– Mileage put on annually

– Where it is stored

– Your zip code

Once you disclose all of this to an insurance company, your antique can be insured. The cost is going to depend on all these factors and your goal is to get the car insurance for as little as you can. It’s not going to be the cheapest insurance you have ever bought, but it will keep your collectible road legal and give you peace of mind that it can be repaired or replaced in the event of being in an accident.

It’s always a good idea to work with an independent agent so you know that you are getting the best possible insurance policy. Our agents are familiar with the insurance laws and can help you find a policy in Fort Myers that works well for you. We can obtain multiple quotes for comparison purposes and answer any questions you may have about how your antique car will be covered against various things.