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Auto Insurance in Fort Myers, FL

Auto Insurance in Fort Myers, FL

Having the right auto insurance policy can help protect you financially if you are involved in an accident or your vehicle is damaged. An auto policy is designed to provide you with a layer of protection against property, liability and medical costs following an accident. But choosing the right auto insurance can be overwhelming. Reach out to our agency today to learn more about car insurance and find the policy that’s right for you.

What Do Auto Insurance Policies Cover?

Depending on the policy you choose, your coverages will vary. Here are some of the most popular coverages:man driving car during golden hour

  • Collision insurance—This portion of your policy helps cover damage costs if you are involved in a collision.
  • Liability insurance—If you are at fault in a wreck, this type of coverage helps insure you against any damage you cause others. Most states, including Florida, require drivers to carry minimum amounts of liability insurance. There are two kinds of coverage included in liability insurance:
    • Property damage liability—This coverage helps pay for damage to the other driver’s property (e.g., their car).
    • Bodily injury liability—This coverage helps pay for medical bills and sometimes death benefits for the other person involved in the wreck.
  • Medical payments (MedPay) insurance—This portion of your policy helps you pay for the medical bills of you and your passengers if you are involved in an accident.
  • Uninsured/underinsured motorist insurance—This type of coverage helps you cover the cost of damages caused by someone who doesn’t have adequate auto insurance, specifically liability coverage.
  • Comprehensive insurance—This portion of your policy covers damages that are not related to a wreck, such as theft, weather damage or vandalism.

There may be additional coverages that will be necessary based on your unique situation. Be sure to ask our agency how we can tailor your auto coverage to your needs.

Auto Insurance for Parents with Teen Drivers

Teen drivers must comply with state auto insurance requirements, so securing appropriate coverage is essential as soon as your child has a learning permit. Contact Unbeatable Insurance to learn about Florida’s auto insurance requirements and get a quote.

How Much Auto Insurance Do I Need for My Teen?

Ensuring adequate coverage while balancing costs is essential. Here are policies to consider:

  • Liability coverage may provide financial protection if your teen causes injury or death or causes third-party property damage to others in an accident.
  • Collision coverage may help pay for your teen’s car repairs if they’re at fault in an accident.
  • Comprehensive coverage may help repair your vehicle after a non-collision incident like theft, vandalism or natural disaster.
  • Uninsured/underinsured motorist coverage may help cover accident-related costs if your teen is hit by a driver with insufficient insurance or who is uninsured.
  • Personal injury protection (PIP) may help provide broader coverage for medical expenses and other damages.

How Much Does Auto Insurance Cost for Teen Drivers?

The cost of auto insurance for teen drivers can vary widely based on several factors, such as the following:

  • Age and experience
  • Driving record
  • Vehicle type and value
  • Location
  • Coverage and deductibles

Understanding these factors and working with your insurance provider to tailor coverage to your teen’s needs and budget can help ensure they’re adequately protected on the road.

How to Get Auto Insurance

Unbeatable Insurance is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or to get a quote.

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