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Automobile Insurance

Call us at (239) 596-6226 for a quote on your auto insurance!

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the auto insurance premium and in return the insurance company agrees to pay your losses as defined in your policy. A standard auto insurance policy can provide property damage, liability, and medical coverage.

Are you paying too much for your auto insurance?

How are your auto rates determined?  Your automobile insurance rates are determined by a number of factors, including your driving record, the kind of car you drive, your age, where the car is located, and how it is used.

  • Driving Record - One of the main factors determining your auto insurance rate is your driving record. Tickets for traffic violations and at fault accidents will raise the rate for your insurance. The more serious and frequent the incidents, the higher your rates. Tickets and accidents will usually cause your rate to be higher for three years.
  • Your Age - Statistics show that the younger you are, the more likely you are to be in an accident. Therefore, younger drivers pay more for their auto insurance.
  • Location and Use of Vehicle - Where your vehicle is located and how you use it play a role in how much you pay for your auto insurance. If you live in the country and only use your car to run errands you pay less than someone who lives in the city and drives 40 miles to work each day. Theft and vandalism are also more likely to occur in a congested city than a small town.

What can you do to lower your auto insurance rates?  Some factors that determine your auto insurance rate are out of your control, like your age. However there are some things you can do to lower your rate:

  • Clean Driving Record - One of the best ways to keep the cost of your auto insurance low is to maintain a clean driving record. Tickets and accidents will cause you to payer higher rates for at least 3 years.
  • Purchase a Car with Safety Features - You will get discounts that reduce the cost of your auto insurance for owning a car that has safety features like anti-lock brakes and an anti-theft device (alarm). 
  • Other Popular Discounts - Multi-car (insuring more than one car with the same company), low mileage (typically driving less than 8,000 miles per year), being a good student (3.0 GPA or higher), or taking a motor vehicle accident prevention course (age 55 and older) are all popular auto insurance discounts.

Call us at (239) 596-6226 - In most cases we can offer you lower auto insurance rates than you are currently paying, from top rated companies like Progressive, Travelers, Safeco. The Hartford AARP program, and Allied/Nationwide Insurance. We are a family owned, local independent insurance agency that has been helping Naples drivers save on their auto insurance since 1992. We'll do the shopping for you and we'll show you a comparison of  the rates for all of the companies we quoted.  Call now or  Click here to access our quote form and we will contact you.


What are the Coverages in a Standard Auto Policy?

The coverages and limits on an auto insurance policy can be customized to meet your individual needs.  A typical auto policy provides property damage, liability, and medical coverage. There are different kinds of coverage with different limits available for you to purchase. When comparing auto insurance quotes, be sure that your comparison is "apples to apples" (the same coverage with the same limits).


Policy Coverages  - below are the standard coverages available on most typical auto insurance policies - individual company coverages and policies may vary or be different. Each coverage has different limits available and they are priced separately. We will work with you to design a policy that meets your individual needs at a price you can afford.

  1. Bodily Injury Liability - pays for your legal liability for medical expenses due to bodily injuries you caused  to others - you hit someone and hurt them.
  2. Personal Injury Protection (PIP) - pays for the treatment of injuries to the driver, family members and certain other passengers in the policyholder's car, regardless of who is at fault. At its broadest, PIP can cover medical expenses, lost wages, replacement household services, and a death benefit. PIP is required by Florida law.
  3. Medical Payments - supplements the medical expense reimbursement of PIP and provides basic coverage in situations where PIP does not apply.
  4. Property Damage Liability - pays for damage the at-fault policyholder caused to someone else's property. A minimum of $10,000 of property damage coverage is required by Florida law.
  5. Collision - pays for damage to the policyholder's car from an impact with another object. The collision could be with another car, a light post, fire hydrant, etc.
  6. Comprehensive - pays for damage to the policyholder's car that doesn't involve a collision. Covered risks typically include fire, theft, and other direct losses not due to a collision.
  7. Uninsured Motorist Coverage - pays for bodily injuries to you, your family members, and certain other passengers, resulting from the negligence of an at-fault uninsured or underinsured driver.

When looking for an auto insurance policy in Naples, Marco Island, Bonita Springs, Estero, or Ft. Myers you should take into consideration the higher than average cost of the vehicles being driven here, the litigious environment in which we live, the local cost of medical care, and the high incidence of uninsured and/or underinsured drivers. You should consider carrying higher limits of property damage and bodily injury liability to protect yourself from being sued if you at fault in an accident. 

Our auto insurance carriers include: Nationwide, Allied (a Nationwide subsidiary), Travelers Insurance of Florida, Progressive, MetLife Auto, Safeco Insurance, and Bristol West Insurance Company. We offer premium discounts like safe driver, multi-car, senior discount, antilock brake, good student, airbag and more.

Give us a call at (239) 596-6226, and let us review your current auto policy to make sure you are adequately covered and getting all of the discounts you deserve.

Featured Auto and Car Insurance areas include Naples, Marco Island, Bonita Springs, Estero, and Ft. Myers Florida.

With Permission © Insurance Information Institute, Inc. - ALL RIGHTS RESERVED -

Our Contact Information 

Olson & DiNunzio Insurance Agency, Inc.
2536 Northbrooke Plaza Dr.
Naples, FL 34119

 Telephone: (239) 596-6226
 Fax: (239) 596-1620
 Email Us

 Hablamos Español

Let us be the one Naples independent insurance agency you turn to for:

These are some of the companies we proudly represent:

  • Allied/Nationwide Insurance
  • Progressive Insurance
  • Travelers Insurance
  • Hartford/AARP Auto
  • Safeco
  • Tower Hill
  • Federated National
  • Bankers Insurance Group
  • Universal Property & Casualty
  • Heritage
  • Citizens
  • AIMGA
  • St. Johns
  • Homeowners Choice
  • Olympus
  • United Property & Casualty
  • American Integrity

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© Olson & DiNunzio Insurance Agency, Inc., 2008
2536 Northbrooke Plaza Drive; Naples, FL 34119
Doing Business in the State of Florida

P: 239-596-6226; F: 239-596-1620; E: info@olsondinunzio.com 

Featuring the cities of Naples, Bonita Springs, Marco Island and Estero Florida. Providing them the highest quality insurance and unbeatable rates.