Choosing the right car for your needs, and one you like can involve some important choices; you’ll need to make some equally important choices about your auto insurance choice too. Our dedicated staff of professionals will help you choose the right coverage for your needs and get you all applicable discounts- these can add up to serious savings.
Beyond the basics
The Estling Insurance Group of Naples is here to provide you with high-quality auto insurance coverage that provides top notch protection if you are even in an accident and will reward you for not having them. This is just a sampling of our premium coverage offers:
Accident Forgiveness: Protect your rate from going up just because of an accident, regardless if you are at fault or not.
Good Driving Bonus: You can receive up to 5% of your premium for every six months of accident-free driving and this is in addition to any additional discounts you qualify for.
Deductible Deduction: Receive $100 off your collision deductible when you sign up and another $100 off for every year you go accident free. Compound this up to $500 total.
New Car Replacement: If your car is totaled within the first three years you’ll get a new car, not just the depreciated value of it.
We’ll make sure you receive all available discounts and bonuses to help you have money on auto insurance. In the summary below you’ll find a basic list of what we can offer you.
Discounts for Safe Drivers
Premier Discount: You can qualify for the Premier discount if you’ve been safe on the road and accident-free for the past three years. This includes any moving violations, accidents, etc.
Premier Plus Discount: A step above the Premier Discount, you need to be safe on the road with no moving violations or accidents within the last 5 years to qualify.
Defensive Driver Discount: Over the age of 55? Take an approved defensive-driving class and qualify for this discount on your premium.
Discounts for Safe Cars
Passive Restraint Systems: Airbags or factory installed motorized seat belts could qualify you for Passive Restraint Discounts.
Anti-Lock Brakes: If your car came with a factory-installed anti-lock braking system (ABS) you can reduce your premium.
Anti-Theft Devices: If your car came with a factory-installed Anti-Theft Device you can reduce your premium.
|Multi Policy Discount||Economy Car|
|Good Student Discount||Alert Driving
|Senior / Adult Discount||Resident Student|
|55 and Retired Discount||New Car|
|Safe Driving Club||Easy Pay Plan|
|Full Pay Plan||ESmart|
|Early Signing Discount||Electronic Stability Control|
Liability Coverage Offers Peace of Mind (BI & PD)
In the event you are involved in an accident that you are at fault for and is covered by your auto policy, and other people or property have been injured or damaged, Liability covered will help protect you and cover the costs of any damaged done or injuries to people.
Our recommendation is a minimum of 100/300 coverage for Bodily Injury
(BI) Liability. Your policy coverage will pay up to $100,000 per person or $300,000 for all parties involved for these following expenses:
Medical expenses for bodily injury Legal defense fees
Emergency response aid at the scene of the accident Funeral expenses
Lost income compensation
Our professional opinion as insurance agents is a minimum of $100,000 coverage for Property Damage (PD) Liability. If you are at fault in an accident this coverage will help pay for damages inflicted to the other driver’s property, including:
- Damage to homes, storefronts or other structural damage done during the accident
- Vehicle repair or replacement
Medical Payment Coverage (Med Pay)
Regardless of who is at fault, Medical coverage helps pay for expenses for accident-related injuries. Hospital stays, doctor visits, surgery, rehabilitation, and even funeral expenses will be covered with this coverage. This valuable protection is offered on all our policies to you, passengers in your vehicle and family members.
Uninsured Motorist Coverage (UM)
If the other driver has little or no insurance this coverage will help pay for medical expenses. A recent survey found that 1 in 6 drivers on the road today have either no insurance or the state minimum.
Personal Injury Protection (PIP)
Having Personal Injury Protection (PIP) covers reasonable and necessary medical hospital expenses.
If you’re in an accident that involves a collision with other cars or objects like trees or road barriers Collision coverage will help pay for repairs on your vehicle up to the actual cash value (ACV).
Collision coverage will typically carry a deductible and in most all cases, the higher the deductible the lower your premium but the more you will be required to share in the event of a loss.
Our years of work in this field will allow us to easily scan through all the various quotes and help you determine what the best deductible will be for your current needs and goals.
Comprehensive coverage helps pay damages that are not in a collision. Common incidents would be hurricanes and tornadoes, vandalism, broken windshields and windows and even a tree falling on your car.
Similar to Collision, Comprehensive coverage usually carries a deductible and this can affect your premium, choosing the right deductible is something our team is here to help you make.
No deductible on cracked or chipped windshields.
Other Coverage’s available
Towing & Labor: Should car ever need to be towed this coverage will help reimburse you for the expenses and other roadside assistance.
Rental Car Reimbursement: While your car is being repaired, this coverage will help reimburse your expense of renting a car until yours is finished.
Need Naples Auto Insurance?
Please Call Us Today: 239-594-9567
Service Areas Include Naples & Fort Myers // Naples Auto Insurance
Please Call Us Today: 239-594-9567
Or stop by our Naples Office: 12820 Tamiami Trail North Suite 3