Auto Insurance Naples

Naples AutomotiveAuto insurance Naples, is the smartest insurance to have when you own a car in Florida. Because of this, you may already know the basic facts about auto insurance in Naples. However, there are various types of auto insurance in Naples that provide different forms of coverage.

Types of Auto Insurance in Naples

Having minimum auto insurance in Naples may not be enough. Similarly, it may not be wise to get every auto insurance in Naples available. Since every car owner has different lifestyles and needs, you should find out which auto insurance in Naples provides the coverage that is right for you and your car.

Liability Insurance: This type of auto insurance in Naples offers coverage when you get involved in a car accident that resulted from your own action. A liability insurance can cover the repair costs of any property damage or medical bills if there are injuries. There is a minimum requirement for this kind of auto insurance in Naples. However, you can go above your state’s minimum for extra protection.

Collision Car Coverage: If you purchase this kind of auto insurance in Naples, it will pay for the cost of repair for your car. In the event that your car is totaled and its repair exceeds the value of the car, your auto insurance in Naples will pay the value of your car. This type of auto insurance in Naples is more valuable for an expensive car than for an older model.

Personal Injury Protection: It is recommended that you purchase this type of auto insurance in Naples, unlike a liability insurance or collision coverage that is not always required for your car. If you have this auto insurance in Naples, your and your passengers’ medical bills will be covered in case of an accident. It does not matter if you or someone else is at fault.

Uninsured/Underinsured Motorist Protection: This type of auto insurance in Naples is useful if you get involved in an accident with someone who has a lower coverage. If you have this auto insurance in Naples, you do not have to worry that you will not receive enough payment if the damages exceed the coverage of the other person. This auto insurance in Naples is relatively inexpensive compared to the extent of protection it offers.

Tips for Purchasing Auto Insurance in Naples

Understanding the types of auto insurance in Naples available is the first step to choosing the right one with the right rates. You can now decide which auto insurance in Naples will be most valuable for you. Similarly, you know which auto insurance in Naples is not necessary for your specific situation. Finally, when you are ready to purchase auto insurance in Naples, you may follow these tips to get the best rates.

  • Ask your agent for a discount on your auto insurance in Naples. You may be given a discount if you have multiple vehicles, safety devices, low mileage, and other factors that may classify you as low risk.
  • Shop around for auto insurance in Naples to know which insurance company can offer you the best rates at a price that you would be willing to pay. When comparing rates of auto insurance in Naples, it is important that you provide the same information to each company.
  • When you have selected an auto insurance in Naples that you think fits your needs, you can check if your insurance company is licensed in your state. You can do this by calling your state insurance department. Doing this will ensure that you are getting your money’s worth. Buying an auto insurance in Naples from an unlicensed insurer may put you at risk of not getting the coverage that you pay for.
  • Since an auto insurance in Naples is a legal contract, you should read your policy carefully. This will help you understand your rights and responsibilities as policyholder. In case you have questions about the terms of your auto insurance in Naples, talk to your agent or turn to your state insurance department.

Culbertson Agency: Auto Insurance Naples

Insurance is a widely accepted form of risk management that can significantly impact your financial standing. That’s why you should turn to an insurance company in Naples that has your best interests in mind.

At Culbertson, our business treats our clients the way we want to be treated. This philosophy has allowed us to earn the trust and confidence of our policyholders over the years. In fact, more than 90% of our clients renew their insurance policies with us every year—a shining testament to our business, hard work, dedication, and sincerity.

About Our Insurance - Auto Insurance Naples


Culbertson Agency has locations in Fort Myers and Naples, FL. Our team members have an extensive amount of experience in the insurance industry and display utmost professionalism in every interaction. Come speak with us today!

We take pride in being one of the fastest growing insurance companies in Florida, attracting more than 300 new clients every month. In addition today, our business has established a stellar reputation in the industry, winning several customer satisfaction and production awards.

Types of Insurance We Offer - Auto Insurance Naples

Life Insurance in Naples, Florida

Being a policyholder of life insurance ensures that your loved ones are financially taken care of even after you pass away. We offer two kinds of comprehensive life insurance—term life and permanent life, with each one having distinct advantages. Your premium amount will be computed based on a variety of factors, including your age, gender, and medical history.

Home Insurance in Naples, Florida

Your home is arguably one of the most important assets you can ever have in your life. We offer highly flexible insurance policies that can be customized depending on your specific needs. Our home insurance coverage can range from dwelling and personal property to loss of use and medical payments.

Auto Insurance in Naples, Florida

If you are looking for an extensive auto insurance plan, we can certainly provide you with that without needed to search other companies. We have a wide range of coverage types, particularly bodily injury liability, property damage liability, uninsured motorist, underinsured motorist, medical payments, personal injury protection, collision, and comprehensive.

Boat Insurance in Naples, Florida

Owning a watercraft comes with its fair share of risks, and our goal is to eliminate or, at the very least, minimize them. Similar to our auto insurance policy, our boat insurance plan covers a variety of possible situations. These include accidents, medical payments, equipment and accessories, emergency services, and wreck removal.

Motorcycle Insurance in Naples, Florida

With a motorcycle insurance plan, you can be ready to cruise down the interstate on your big bike without any worries. On top of the basic coverage, we also offer specific options, such as towing and labor, rental reimbursement, and optional/added equipment. We even offer a wide variety of discounts to certain clients.

ATV and Golf Cart Insurance in Naples, Florida

We also offer insurance policies for recreational or off-road vehicles. These include golf carts, all-terrain vehicles, dune buggies, jet skis, and motor homes. The coverage details are slightly different from that of our auto insurance policy. Please reach out to us for more details.

Flood Insurance in Naples, Florida

Although Southwest Florida is a wonderful place to live in, it is also notorious for tropical storms, hurricanes, and floods. Unfortunately, your home insurance will not cover damages to your home caused by floods. That is why getting flood insurance is a necessity if you live in this region.

Umbrella Insurance in Naples, Florida

If you’re looking for an extra security blanket, we suggest that you apply for our umbrella insurance. This covers multiple damages that you or your dependents may cause when your other policies have maxed out. For instance, if you have been involved in a car accident and your auto insurance coverage has already been exhausted, your umbrella policy will serve as another layer of protection.

Secure Your Financial Future Today - Auto Insurance Naples

No matter what your current financial status is, it’s never too late to start getting insurance so call today. Nothing beats the sense of comfort and security that comes with protecting your most valuable assets—and Culbertson Agency can help you achieve that. Get in touch with us today at 239-210-7700 (Fort Myers office) or 239-210-7710 (Naples office).