Auto Insurance in Fort Myers

Lee County Insurance can help you with standard auto insurance, as well as car insurance for collector cars, RV’s Motorhomes or anything else you drive on the road. Wherever you live, most people think about car insurance simply as damage to their car. The truth is, car insurance covers much more than just your car.

Given the sheer amount of cars on the road and the distractions drivers deal with every day, the chances of being involved in a car accident are real. You're at risk every single time you get into your car. It's important to understand what your coverage options are — not just for your car, but for you, and people who may be injured as a result of your negligence.

Having Adequate Car Insurance limits is serious business! If you were ever involved in an accident and found to be at-fault for someone else's bodily injuries, you could be on the hook for the damages and expenses.

What a lot of people don't realize is, having great coverage doesn't necessarily mean having higher insurance premiums.

Because Lee County Insurance is 100% independent, we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible for auto insurance in Fort Myers.

The best part? It doesn't cost you a penny more to use us. We work on your behalf to properly cover your needs and exposures, and make sure that there are no hidden gaps in your policy.No two insurance contracts are the same, and while two policies side-by-side might look the same, the fine print behind the cover page can vary drastically from company to company.

This means you need someone who truly understands policy contracts, like us, to sort through the exclusions and conditions for you, so you can rest easy knowing that you have the best possible coverage at the best price without having to learn legal jargon.

Important Auto Insurance Coverages

When you browse through your policy, you may see certain coverages and wonder exactly what they are, and why they're on your policy.

Let us clarify a few of the more important ones for you:

Collision Coverage

This is the part of your policy that covers your car in the event it is damaged as a result of an accident with a fixed or moving object like another car, a curb, a house, a guard rail, etc..

Comprehensive Coverage

This coverage also protects your car, but in the event that something other than a collision damages your car. For example, theft, a rock that cracks your windshield while you're driving on the highway, an animal you might hit, and even flood damage.

Property Damage

Suppose you damage someones car in an accident, or a guard rail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage

Bodily Injury Liability

This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays the other party for their medical bills and related expenses. Due to the high cost of medical care, it's dangerous to carry liability limits that are too low. This is something we can help you decide on.

Un-insured Motorists Coverage

This coverage pays you, in the event that you are injured by another party, and that the other party was either unidentified, or they weren't carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.

Common Auto Insurance Rating Variables

Age — insurance companies use your age in their overall rating algorithms. Drivers who are under 25, and over 75 typically don't get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident

Credit — credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be. This is part of the “Insurance Score” which potentially uses other factors as well. This could include things like how often you shop for insurance, how many sources you use to look at prices and even payment history.

Car — the type of car, engine size, safety features, etc.. are all part of determining the rate for Comprehensive and Collision rates

Driving History — your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won't get a preferred rate until those things are at least 3 years old

Household — insurance companies underwrite at the household level, meaning they try to judge based on the entire household, what the probability of loss will be. If multiple drivers in the house are under the age of 25, that will impact everyone's pricing in the household.