Let Us Review Your Florida Auto Insurance Policy

auto insurance agency in Florida, quote for vehicle coverage

Gulf Coast Educators Insurance professionals offer many types of auto insurance coverage to meet any lifestyle. We will help you choose the right auto insurance coverage for your needs and get you all applicable discounts to find the best value for you.

Select a below coverage for more information.

 

Liablity Coverage
Uninsured Motor Vehicle Coverage
Unnderinsured Motor Vehicle Coverage
Medical Payments / Personal Injury Protection Coverage
Collision Coverage
Comprehensive Coverage
Emergency Road Service / Express Service
Rental Reimbursement
Available Discounts


Our Southwest Florida insurance agents are experts.  They will answer your questions such as:

Why auto insurance?

What is auto insurance?

How much will automobile insurance cost?

How will my vehicle insurance change with adding additional drivers to my policy?

We insure auto owners throughout Southwest Florida and who reside in the following zip codes: 34231, 34277, 33949, 33980, 33935, 33903, 33971, 33042, 33037, 33045, 33042, 33036, 34138, 34104. any many others

Let us be your Southwest Florida insurance broker to find you affordable auto insurance.  Our insurance agents will offer you a competitive auto insurance quote and advise you on the best auto insurance policy based on your auto coverage needs.

Contact either of our offices by phone (Naples, FL insurance agency office 239-591-0963 or Port Charlotte, FL insurance agency office 941-391-5423) or send us an email to ron.defreitas@horacemann.com or request a quote now.

Below are some auto insurance options available to you. Call us today to ensure you have the proper auto coverage and discounts!

 

 


Liablity Coverage

There are two types of compensation associated with liability coverage; bodily injury and property damage. Bodily injury covers losses resulting from injuries you cause to others. Property damage covers repair costs or the value of property you have damaged.

car crash image photo carinsuranceimage_zpsfd8a7cac.jpg

Who is covered?

You, along with family members who are living at your residence, are covered if driving your car or another person’s car with their permission. Someone else driving your car with your permission.

What is covered?

Those covered can be paid for losses related to:

  • Death
  • Injury
  • Medical care
  • Loss of services
  • Property damage (in certain states)

You are also covered for certain defense costs, bail bond costs and emergency first aid to others.

 


 

Uninsured Motor Vehicle Coverage

This coverage protects you, your family and passengers against losses caused by an at-fault driver who has no liability coverage or by a hit-and-run driver.

Who is covered?

You and any passengers in your car.You, along with resident relatives, are covered if occupying another person’s car.

 photo underinsured_zps2d243c3e.jpg

 

What is covered?

Those covered can be paid for losses related to

:

  • Death
  • Injury
  • Medical care
  • Property damage (in certain states) 
  •  

Underinsured Motor Vehicle Coverage

This coverage protects you, your family and passengers against losses caused by an at-fault driver with insufficient liability coverage. 

Who is covered?

  • You and any passengers in your car. You, along with resident relatives, are covered if occupying another person’s car.  
  •  
  • What is covered?
  •  
  • Those covered can be paid for losses related to: 
  • Death
  • Injury
  • Medical care
  • Property damage (in certain states)
  •  

Medical Payments / Personal Injury Protection Coverage

This protection covers you and your passengers regardless of who was at fault. In addition, you are also covered if you’re injured as a pedestrian. 


Who is covered?

You, along with resident relatives, are covered. 

What is covered?

Those covered are paid for medical expenses, including: 

  • Ambulance;
  • Medical, surgical and dental treatment, including X-rays;
  • Hospital care and nursing;
  • Eyeglasses;
  • Funeral; and 
  • Additional coverage may provide for loss of income and/or services.   
  •  

Collision Coverage


uninsured motorist photo uninsuredmotorist_zps3b055da9.jpg

 

This protection covers auto damage to insured vehicles that collide with another

object.  Repair or replacement costs will be covered for your vehicle, up to its actual

cash value minus your deductible.

 

 


Comprehensive Coverage

This covers damage to your car from non-collision events, including fire, theft, vandalism, falling rocks, hail, or impact from an animal. Repair or replacement costs will be covered for your vehicle, up to its actual cash value minus your deductible.  

 


 

Emergency Road Service / Express Service

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A car accident or breakdown doesn’t have to leave you stranded with our roadside service. This coverage provides for:

  • Battery jump start*
  • Tire change*
  • Gasoline, oil and water delivery*
  • Towing
  • Minor mechanical adjustments
  • Lockout service  

Emergency Road Service also includes Express Service, prompt 24/7 assistance at no additional charge. We will be billed directly for the services up to your Emergency Road Service coverage limit. 

 

* Costs of the battery, tire(s), gasoline or oil are not covered under this policy.

 


Rental Reimbursement

Rental Reimbursement helps pay for a rental car following a covered loss, so you can still get through your day without your car.

Coverage is subject to the terms, limits and provisions in the policy. This Web page provides only a general description of coverage and is not a statement of contract. You must have comprehensive coverage for your vehicle in order to qualify for Emergency Road Service; and both comprehensive and collision coverage’s to qualify for Rental Reimbursement.    

  


 

Available Discounts

Educator

Multi-Line

NEA, FASA, Coach's Association

Homeowner

Good Student

Driver Training

Credit Union

School Payroll, (were available)

Multi-Car

Future Effective Date

 

 

 

 

 

Ron.DeFreitas@HoraceMann.com

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You are our first priority.

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