Auto Insurance

Naples, Bonita Springs, Estero, Fort Myers, Sanibel, Captiva, FL

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What is auto insurance?

If you have a car accident, auto insurance in Naples, FL is what can help protect you from any financial loss or burden. It is a contractual agreement between you and your insurance company. In this agreement, you are responsible for paying the premium while your insurance company is in charge of paying your losses as defined in your policy.

Auto insurance in Sanibel provides coverage for property, liability and medical:

  • Property coverage pays for damage to or theft of your vehicle.
  • Liability covers any property damage  or your legal responsibility to others for bodily injury.
  • Medical pays for the cost of treating injuries, rehabilitation and oftentimes funeral expenses and lost wages.

An auto insurance policy in Bonita Springs is made up of of six different kinds of coverage. Most states require you to purchase some, but not all, of these coverages. Your lender may also have some requirements if you’re financing a car.

Most automobile policies renew on a six month or yearly basis. Your insurance company will likely notify you by mail when it’s time to renew auto insurance in Naples and pay the premium. Medical pays for the cost of treating injuries, rehabilitation and oftentimes funeral expenses and lost wages.

Why do you need automobile insurance automobile insurance in Sanibel, FL?

Auto insurance is about better protecting yourself financially.

  • If your car is stolen or you’re in an auto accident, it often costs money to fix or replace it.
  • If you or any passengers in your vehicle are injured during an accident, medical costs can be very expensive.
  • If you or your car are responsible for any damage or injury to others, you may be held financially liable and sued for more money than you’re worth.
  • Not only is having auto insurance in Bonita Springs, FL a wise financial decision, most states require you to have at least some form of coverage.

Questions to ask your agent

Your insurance agent advocates for finding auto insurance in Naples, FL that meets your specific needs. Here are a few things to consider as you prepare for the discussion with your insurance agent:

  • How much can you afford to pay if you get in an accident? In order to keep premiums low you may want to consider a higher deductible and be willing to pay more for repairs.
  • What is the insurance company’s level of service? What is their ability to pay claims?
  • Is there any good driver, multiple policy or student discounts available on your auto insurance in Sanibel?
  • What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

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