Important Questions to Ask When Buying Auto Insurance

When selecting an auto insurance policy, many people in Naples, FL, allow premium prices to drive their decisions. Some simply prefer to go with what their friends or family use, which may not be the best idea. Cutting corners on cost or simply going with the insurance company next to you can leave you underinsured or overexposed. Fortunately, there is a way you can strike a balance between adequate coverage and affordability when you have the right information. Pro America Insurance recommends asking the following questions about auto insurance.

Which coverages do I need?

One of the most critical questions to ask your insurance provider is your coverage needs. Auto insurance needs vary from one motorist to another as we all have different cars, driving records, and driving habits. In most cases, you will be required to carry liability as required by Florida law and buy the rest as additional protection. Your insurer may recommend PIP, Comprehensive, Collision, and Uninsured/underinsured motorist coverage.

Who can drive my car and be covered by the policy?

The chances are that your children, spouse, friends, or parents will be driving your car once in a while. This question clears the air as to who is covered while driving your car. If the policy does not recognize third parties, then it may not cover you in an accident resulting from a third party.

What is affecting my insurance premiums?

It’s also essential to know which factors affect your premium rates and adjust accordingly. Remember, you cannot change some aspects about you, such as your age, but you can change other aspects like your driving record by driving safely or taking extra driving courses. You can also move to a safer location to reduce theft risk.

Need help?

Are you looking to buy auto insurance in Naples, FL, and not sure where to start? Don’t worry because you’re in the right place. Pro America Insurance has every skill, tool, and experience to help you achieve your auto insurance goals. We take you through the process and ensure you obtain a policy that matches your needs, style, comfort, and budget. Call us today!


What is an Accident Insurance Policy?

This is an insurance cover where the policyholder is paid in case of an accident resulting in injury. The insured spends the benefits however they choose. Unlike disability insurance, you can claim benefits with this cover even when your injuries do not keep you out of work. The policy covers such injuries as fractures, burns dislocation among others.

What is covered by the Accident Insurance Cover?

The cover pays for your medical expenses, hospital stay, medical exams, and emergency treatment. In Naples FL, Pro America Insurance agents will offer you the best advice in choosing an affordable cover for yourself and with the best coverage. We analyze and evaluate multiple insurance carriers to offer the policy offering the best value for money. 

Naples, FL based Pro America Insurance agents are customer-centric ensuring you get the cover that you need. Your needs are matched only with highly rated insurance carriers.

What is an accidental injury?

Accidental injuries could result from violent external forces that was not anticipated. They are unintentional injuries resulting from a normal course of events. They include, falls, cuts, stings, road accidents or drowning.

Is an accident insurance worth it?

An accident insurance policy is relatively inexpensive but offers great benefits to its holders. You can benefit from this policy where your health cover has high deductibles, while accident cover will offer a one-time payout for your medical expenses.

An accident cover also offers an added layer of financial protection, in case of injuries, which assists pay for expenses that major medical insurance would otherwise not pay.

Visit our Pro America agents or give us a call for further advice on products and quotes.

What You Need to Know About Auto Insurance in Naples, FL

Car owners in the Naples, FL area will know very well that there are plenty of responsibilities that come with operating a vehicle. One important thing that all car owners will need to do is make sure that they have a quality auto insurance policy in place. There are several things that a car owner needs to know about auto insurance when they are looking for a new policy.

It is a Legal Requirement

The first thing that you need to know about auto insurance is that it is a requirement under the law. Similar to any other state, drivers in Florida need to carry liability insurance. If you do not have this in place, you will not have the coverage you need to comply with state laws. If you are caught driving without it, you could face severe penalties including loss of license and financial penalties.

Covers Your Asset

While you will only be required by law to have the minimum level of liability insurance, there are other benefits that come with auto insurance as well. One of the main benefits is that it can greatly protect your vehicle. When you have a full policy that includes collision and comprehensive insurance, you will have coverage for a wide variety of loss types including theft, vandalism, and damage during an accident. 

When you are ready to start looking for auto insurance in the Naples, FL area, you should reach out to the team at Pro America Insurance. The professionals at Pro America Insurance are very knowledgeable about the rules and regulations that come with auto insurance. They can then help you get into a policy that provides you with the right level of coverage for your situation while also giving you peace of mind.  

How does auto insurance work in Florida?

The state of Florida has different terms regarding auto insurance. Read on to understand how things would work if you are involved in an accident in Naples, FL.

The No-Fault System

The state of Florida is a no-fault state, which means that your insurance policy will pay even if the incident is not your fault. Say, for example, someone rear-ends you while you are waiting at a red light. Your indemnity plan will pay for damages and injuries immediately instead of you being forced to wait for the offender’s assurance policy to kick in and make recompense for damages.

The no-fault system is especially useful when the offending party does not have insurance. You do not have to suffer the brunt of paying out-of-pocket for repairs to your car or for medical bills just because someone decided to drive without proper assurance. Another benefit of the no-fault system is the simplicity. There is no need to opt into an underinsured/uninsured plan, which means that you know that you are covered.

Minimum Insurance Requirements in Florida

You cannot drive a vehicle legally in Naples FL and throughout the state without first obtaining an auto indemnity plan that pays at least $10,000 for personal injury and $10,000 for property damage. Bodily Injury Liability (BIL) is a separate form of coverage that the Florida Department of Motor Vehicles (DMV) may require drivers to purchase.

Let Pro America Insurance Help

It is important to note that, although the state minimum requirements are $10,000 for personal injury and property damage, it may be beneficial for you to buy more assurance. Imagine yourself having to pay thousands in out-of-pocket expenses for an accident that costs well over the $10,000 policy limit. Such is a possibility when you choose the bare minimum in insurance plans in Florida.

The experts at Pro America Insurance can help you find the auto policy that works best for your lifestyle in Naples, FL. Call them today for a quote!

Can Insurance Protect Your Vehicle from Storm Damage?

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. 

Is It Time to Update Your Auto Insurance?

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.

How Age Impacts How Much You Pay for Auto Insurance

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: Tips for Steering Clear of Road Rage

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.