Fort Myers Auto Insurance – Buying car insurance is like buying a car itself. The price is high but there are features and services that you will get. Therefore, before buying one, people should do some research and compare one product with another. As people have different needs, they will also need different insurance. To help make sure you choose the right insurance, Fort Myers Auto Insurance companies will guide and help you out.
How much is car insurance in Fort Myers, FL? The average cost of auto insurance in Florida is $1,185.25 per year. The national average price is $889.01.
Average Fort Myers Car Insurance Rates ?
| Coverage | Rates |
| Liability | $857.64 |
| Collision | $282.96 |
| Comprehensive | $116.53 |
| Total Cost Per Year | $1,185.25 |
| Price Per Month | $98.77 |
Source: https://www.iii.org/fact-statistic/facts-statistics-auto-insurance
Required Auto Insurance Coverage in Florida? Bodily injury coverage, Property damage coverage, Uninsured motorist coverage, Personal injury protection
What’s the minimum insurance for auto Florida? $10,000 bodily injury per person per accident $20,000 bodily injury for all persons per accident$10,000 property damage liability$10,000 personal injury protection.
Whatever kind of product you choose, the main function of insurance is to protect you. It can protect you from the danger of theft, natural disaster, and even accidents. No one wants this to happen to them in the future, but sometimes there are incidents that we can’t plant.
Therefore, before choosing a company, make sure to know the types of auto insurance there is in the market. Learn the functions and coverage of each product and how they will help later. Next, choose companies that provide those products with the best deal.
Knowing the Types of Auto Insurance
With various insurance companies popping in the market these days, more insurance products are also made. However, all the products have the same function but different coverage only. Before going further, it is best to know the types of auto insurance that almost all companies will have:
1. Liability Insurance
This is the basic and required insurance that people with the car must-have. In most states in the US, you must have this insurance as a legal requirement. However, this insurance covers the damages/ injuries that are covered by you. On the other hand, your damage is not covered by insurance.
2. Collision
The next type of auto insurance available in most Fort Myers auto insurance is collision insurance. This kind of insurance is best for those with standard driving history. If you are good at driving but afraid that something might happen in the future, then this is the right type. The insurance may cover some damages on your car that involve other vehicles.
3. Comprehensive
This type of insurance is almost the same as collision, just different levels of coverage. With this auto insurance, your company can provide extra coverage for your vehicles. However, they will only help your damage that is not caused by vandalism, weather issues or accidents with animals.
4. Personal Injury Protections
Auto insurance is not always about the damage of the vehicle but also pays attention to the person. With personal injury protection, it can cover up to 80% of medical expenses that are caused by the incident. Therefore, you can pay less for your medical expenses when this happens.
5. Underinsured Motorist Insurance
Most people prefer to choose the cheapest liability coverage to save too many expenses. However, this will give them minimum coverage too when an accident happens. Therefore, to help people, getting underinsured motorist insurance will be more reliable. Because it is cheaper than other products but have the same coverage.
Best Fort Myers Auto Insurance Company
Now like we said before, there are a lot of auto insurance companies in the market these days. Sometimes it becomes confusing because we just don’t know whether it is reliable or not, especially the new ones. So, to help smaller your options, here are some top and reliable auto insurance companies:
1. Wilcox Family
Not everyone has the time & knowledge to learn about insurance, therefore this is the function of the company. With well-trained staff, the company will listen to your complaint and needs to find the best solutions. Next, you will receive your quotes in just minutes after your request. With its great service, the company has been receiving an A+ rating from the Better Business Bureau.
2. Baker Insurance Group
The company has been serving customers since 2003 and has been focusing on insurance coverage for autos, motorcycles, and cars. One of the best things about this company is that accepts all kinds of drivers. Whether you have a good or bad history, they can help. Free quotes are also available for those who need it for research or knowledge. Same as Wilcox Family, they also have an A+ rating for their great service.
3. Liberty Mutual
One of Fort Myers auto insurance that provides 24/7 customer service is Liberty Mutual. With this service, people can contact and complain about anything at any time of the day. The company will then help with your problems and help you as soon as possible. One of the best things about insurance is the provide many discounts for their customer and they offer them.
4. The General
The General has been providing auto insurance especially car insurance for over 50 years now. Even if you have bad histories like driving violations and accidents, the company will likely still cover you. You can pay the monthly rate by installment and get discounts too. Reviews have said that this is the company that covers high risk but with competitive pricing.
5. Mr. Auto
Mr. Auto is also not a new player in this business. They provide many kinds of insurance including auto insurance. One of the things that makes the company favorable is the low price they offer. However, their response and service are a bit behind the other companies above.
There are still many other auto insurance companies in Fort Myers that are capable and have great coverage. But the companies above are some of the top and most recommended ones in the city. So, if you are looking for auto insurance, try to check these first.