Auto Insurance in Estero, FL
We have all seen the commercials about how you can “save thousands” on your auto Insurance. While this is true, most companies do not tell you that those savings often come at the sacrifice of accepting less coverage.
How do you make sure you and your family are properly protected without spending more than you should? That’s a great question. The answer starts at East & Greenwell, where we will always look out for your best interests. Our efforts begin with our insurance agents in Naples, FL, scouting out the coverage you need at the best value we can find. Whether you are in Fort Myers, Naples, Estero, Bonita Springs, or elsewhere in Florida’s beautiful state, you can count on us to have you covered when something happens.
Below, you will find a list of options available with our Florida auto insurance policies, along with what they can do for you:
- Bodily Injury Liability: Did someone else get injured while you were operating an automobile? This option for personal liability insurance in Florida will cover injuries incurred by others in an accident you caused.
- Medical or Personal Injury Protection: If you get into an automobile accident while driving, this option will cover treatment for you and any passengers who were riding with you in your automobile.
- Property Damage Liability: Getting into a car accident is stressful enough. If any damage is caused to someone else’s property while you (the policyholder) were operating the vehicle, you can rest easy with Property Damage Liability. It’s covered.
- Collision: If your vehicle has a collision with another vehicle or object, this option ensures you are insured.
- Comprehensive: This option takes your auto insurance in Estero, FL, to another level by offering protection for your car from damage and loss resulting from incidents outside of collisions.
- Uninsured Motorist Coverage: Let’s face it: Not everyone has the level of coverage that they should. Adding this option to your policy will cover your medical treatment if you happen to have a collision with an uninsured or underinsured driver.

Rental Reimbursement Coverage
After a serious accident, you often end up with a rental car as your original vehicle undergoes service and repairs, but not all insurance packages cover those costs. Wouldn’t it be nice if your policy covered everything, including rental reimbursements? Our customers sure do. JD Power has determined that this coverage has the greatest impact on customer satisfaction during a claim. That is why East & Greenwell offers this optional coverage. Breathe easy as you receive reimbursements for the costs associated with renting a car while your vehicle is being repaired or serviced due to an accident.
Towing and Labor Costs Coverage
You never realize just how costly towing and labor can be until you are unexpectedly stuck on the side of the road dialing numbers for a tow service. Towing and Labor Costs Coverage is just what it sounds like: an option that reimburses you up to a certain point for necessary towing and other service charges (battery jump, keys locked in the car, etc.) should your car become disabled.
Auto Insurance FAQs
Insurance companies incur the same costs you do in buying goods and services, and these costs can ultimately affect your insurance premium. Costs affecting the ultimate price of auto insurance include:
- Medical costs to treat injuries
- Auto repair costs
- Costs to adjust claims
- Inflation
- Uninsured drivers (your policy pays when the other driver doesn’t have an auto insurance policy if you purchase Uninsured Motorist coverage)
- Fraud
- Reinsurance – yes, insurance companies buy insurance too
22. Why did my rate go up?::
Auto insurance rates are on the rise nationally, but especially in the state of Florida. The main factors contributing to this increase are the increased frequency of claims and the increased cost of claims. For more information about the industry issue, please read our article: The Truth About Why Auto Insurance Rates Are On The Rise In Florida
AFTER the first 6 months, your Drive Wise discount will be re-calculated based on your score. Your discount could go all the way up to 25%. Worst case scenario, if you don’t receive a “good score”, your 8% enrollment discount will fall down to a 0% discount after the first 6 months. As you can see, the Drive Wise discount can’t go into the negative and cost you more, as it is only designed to be an additional discount you can receive.
Let’s say for example that you have 2 vehicles: a Ford F150 and a Ford Mustang. If you carry NON-STACKED uninsured motorist coverage at a limit of 100/300, that means that if you’re injured in the Ford F150, the most your uninsured motorist coverage will pay out is $100,000 per person or a maximum of $300,000 per accident. If you exhaust those limits, there is no additional coverage available. This is why non-stacked Uninsured Motorist (or UM) coverage is less expensive than stacked.
If you carried STACKED UM coverage, and you were injured in the Ford F150, you could pull additional UM coverage from the Mustang, even though you weren’t driving the Mustang at the time of the accident. Therefore, you essentially have double the UM coverage than if you carry the non-stacked version.
If you opt for non-stacked UM, reject UM altogether, OR if you choose a UM limit that is less than your bodily injury limit, the state of FL requires us to keep a signed form on file to ensure you understand which type of coverage you are choosing.
Obtain names, addresses, phone numbers and license plate numbers of all personals involved, including passengers and witnesses.
Call our agency at 239-434-7877 if it’s during business hours or (1-800-255-7828) if it’s outside of business hours.
Many times what you will find is that the savings resulting from decreasing your liability coverage really doesn’t justify the greater risk you’re taking by reducing coverage. Keep in mind that if you are liable for an accident and your policy limit is exhausted, you are responsible for the remainder out of pocket.
If you’re ever unsure if an individual needs to be added to your policy, please contact East & Greenwell for more information.
However, we recommend contacting an agent at East & Greenwell to discuss the specific scenario. For example, if you don’t carry collision coverage on your own auto policy, no collision coverage will transfer from your policy to the rental car. In that case, you’d want to purchase the coverage from the rental car company.
If you carry full coverage on your personal auto policy, it may not be necessary to purchase additional coverage from the rental car company.
Also, it is important to note that the coverage from your personal auto policy does NOT transfer to the rental car if you are renting it in a business name or paying for the rental car with a corporate credit card.