The simple answer is that it depends on the type of policy that you have. Whether you are considering changes to an existing policy or looking for new coverage, the knowledgeable team at Pro America Insurance works with individuals and businesses throughout the Naples, FL area to get the best coverage for their needs.
Most vehicle owners have the required liability insurance as mandated by the State of Florida. While this covers the auto repairs and medical expenses of the other party when you are in a wreck that you are found responsible for, they don’t cover your own expenses. By adding collision and comprehensive auto policies, you are better protected should an accident or ‘act of God’ event occur. It is these policies that will help you to recover quickly from a severe weather event. The comprehensive insurance policy is designed to provide coverage in natural disasters. It provides monies for repairs, for instance, when a tree limb falls on your vehicle. It can go further when the damage results from hurricanes, tornadoes and hailstorms. These policies are also created to protect from dangers such as fire, civil unrest, theft and damage from striking an animal.
While comprehensive and collision auto insurance policies cover a broad range of events, it’s still important to talk with your agent at Pro America Insurance for the details about specific coverage. They have lived and worked with individuals and businesses in the Naples, FL area so they understand the challenges that vehicle owners face every day. They can help you find the adequate coverage you need at the price that suits your budget. When you have questions about a current policy or available insurance options, give them a call then go visit their agents.
The State Florida requires that everyone who operates a vehicle with four or more wheels carries an auto insurance policy. These regulations are in place to help people who suffer a loss due to an accident. Unfortunately, many people look at auto insurance as a hurdle to drive and take out minimum policies. These, and even mid-level coverage can be inadequate and it may be time to update your policy. The insurance professionals at Pro America Insurance are committed working with people in the Naples, FL community to create and update policies to provide secure coverage.
Minimum Auto Insurance Policies May Fall Short
Florida has low minimum coverage requirements compared to many other states. Drivers need only carry modest personal injury protection and property damage liability. And because Florida is a no-fault insurance state, you are basically on your own in terms of protection.
It’s easy to see how these coverage limits can easily fall short in the event of an accident. When considering the rising cost of health care, even a minor surgery or short stay in the hospital could quickly exceed minimum coverage requirements. These won’t even begin to help with rehabilitation costs from injuries or the loss of wages. In terms of property damage, replacing a new vehicle can be expensive. In order to be securely insured, motorists should consider the real-life costs of being injured, replacing property and the long-term effect that being out of work could have on your life.
The professionals at Pro America Insurance are here to work with people in the Naples, FL community to create and revise auto insurance policies that fit your needs.
Does your age matter when it comes to auto insurance? Most people who are drivers will need an auto insurance policy that matches their risk level. But, how much risk are you? Many factors go into play to decide this and age is one of them. When you need auto insurance from Pro America Insurance, we’ll help you determine the right policy for your needs based on multiple factors.
How Age Matters
At a young age, teen drivers can expect to pay more for auto insurance. The reason for this is quite simply because these drivers are inexperienced. That inexperience means they are at a higher risk for being involved in an accident. As you get older, usually in your early 20’s, you may notice your auto insurance rates begin to fall. You’ll pay less, in some cases if you remain accident-free for some time throughout most of your life. In some situations, seniors can start to see rates increase as well. This may be due to the higher risks present when faculties begin to fail. However, most seniors qualify for more affordable plans due to limited driving needs.
What’s Right for You?
When it comes down to it, age is only one factor that plays a role in what you will pay for auto insurance. When you come in to see our experienced agents at Pro America Insurance, we’ll help you find a policy that meets your needs and properly addresses the risks you present to your insurer. We serve clients of all ages that live in the Naples, FL area. We can help you as well. Give our team a call today for a consultation and a quote on the auto insurance plan you need.
Living in Naples undoubtedly means that you are taking advantage of the great lifestyle here. From excellent shopping venues to some of the best shopping districts, Naples is proud to be a town and community that people brag about. With so many people living and visiting this great city, you must be extra careful when traveling. This means you must do your best to avoid road rage, as well as know how to avoid accidents caused by other drivers who have road rage.
Keep your distance
One of the easiest ways to tick off another driver is by tailing them too closely. Whether you’re meaning to follow close or not, there’s nothing more aggravating than looking in your rearview mirror and seeing someone right close to your bumper. With this in mind, you should always keep at least two car links between you and the vehicle in front of you.
Know when to call in
If you ever drive down the road and find yourself in a situation that you aren’t comfortable with, this is a good sign that you should call your local law enforcement. These professionals can help diffuse the situation, ensuring you don’t get in any trouble or make a poor decision.
Keep your hand off the horn
When you use the horn to pinpoint someone who is exhibiting road rage, this will only make the situation worse. Keep your hands free of the horn when road rage is taking over, and know that simply pulling over is the best remedy to this situation.
To learn more about avoiding road rage, contact Progressive insurance Agency Inc. Today.