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Florida's Best Auto Insurance

Insurance coverage for cars, motorcycles, motor homes, and recreational vehicles.

Goodlad & Swank has partnered with some of the most respected, affordable auto insurance carriers in the industry

We provide coverage for cars, motorcycles, motor homes and recreational vehicles. Using these relationships, we strive to provide the best solutions in price and coverage for all types of clients.

Why you need automotive insurance

Having liability insurance on your vehicle is required by law in Florida. Florida auto insurance also protects you against major financial loss if you have an accident. We can provide you with competitive quotes on affordable car insurance to give you peace of mind. 

What we cover:

Florida Liability Coverage

Allows for protection in the event that you unintentionally cause injuries to other drivers or damage to other vehicles or property.

Florida Uninsured / Underinsured Motorist Coverage

Allows for coverage for medical costs, pain and suffering for bodily injury to you and others in your vehicle, if injury is caused by a driver with no coverage or not enough coverage. 

Florida Personal Injury Protection (No-Fault)

Required coverage under Florida’s No-Fault Law. Provides a percentage of first dollar medical expenses to you regardless of fault in the accident.

Florida Medical Expense Coverage

Aims to pay certain medical expenses for injuries sustained while operating your vehicle, regardless of who is at fault.

Florida Comprehensive Coverage

Aims to pay for damage to your vehicle, less any deductible, caused by things other than collision or upset (fire, theft, glass breakage, for example. 

Florida Collision Coverage

Aims to pay for damage to your vehicle, less any deductible, caused by a collision with another object.

Florida Towing and Labor

Aims to pay for damage to your vehicle, less any deductible, caused by things other than collision or upset (fire, theft, glass breakage, for example). 

Florida Rental Reimbursement

Allows for limited reimbursement for a rental car used while your vehicle is being repaired for a covered claim.

What are typical coverage limits?


Coverage TypeTypical Coverage Limit
Liability CoverageUsually expressed as three numbers: for example, 100/300/50. The first number is the bodily injury liability limit per person, the second is the bodily injury liability limit per accident, and the third is the property damage liability limit per accident.
Personal Injury Protection (PIP)Coverage varies by state but typically includes medical expenses, lost wages, and other expenses related to injuries sustained in a car accident, regardless of fault. Limits vary.
Uninsured/Underinsured Motorist CoverageSimilar to liability coverage, but it protects you if you’re hit by a driver who doesn’t have insurance or enough insurance to cover your expenses. Limits typically match your liability limits.
Collision CoverageCovers damage to your vehicle caused by a collision with another vehicle or object. Typically, the coverage limit is the actual cash value of your vehicle, subject to a deductible.
Comprehensive CoverageCovers damage to your vehicle caused by events other than collisions, such as theft, vandalism, hail, fire, or hitting an animal. Typically, the coverage limit is the actual cash value of your vehicle, subject to a deductible.
Medical Payments CoverageSimilar to PIP but often optional. It covers medical expenses for you and your passengers regardless of fault in an accident. Limits vary.
Rental Reimbursement CoverageOptional coverage that reimburses you for the cost of a rental car if your car is being repaired due to a covered loss. Limits vary.
Towing and Labor CoverageOptional coverage that pays for towing and labor costs if your vehicle breaks down. Limits vary.


How are rates determined?

Auto insurance rates are determined through a detailed evaluation of various factors related to the insured vehicle, the driver, and external influences. Here’s a thorough overview of the key factors that influence auto insurance rates:

Vehicle Characteristics:
  1. Vehicle Type and Model:

    • The make, model, year, and trim level of the vehicle significantly impact insurance rates.
    • Factors such as the vehicle’s safety features, repair costs, theft rates, and overall risk of accidents contribute to insurance premiums.
    • High-performance vehicles, luxury cars, and sports cars typically have higher insurance rates due to their higher repair costs and increased likelihood of theft or accidents.
  2. Vehicle Usage:

    • The primary use of the vehicle, such as commuting, business use, or pleasure driving, affects insurance rates.
    • Vehicles used for commercial purposes or extensive daily commuting may have higher insurance premiums due to increased exposure to accidents and higher mileage.
  3. Vehicle Safety Features:

    • Safety features such as anti-lock brakes, airbags, electronic stability control, and anti-theft devices can lower insurance rates.
    • Insurance companies may offer discounts for vehicles equipped with advanced safety features that reduce the risk of accidents and injuries.
Driver Characteristics:
  1. Driving Record:

    • The driver’s history of accidents, traffic violations, and claims filed with previous insurers significantly influences insurance rates.
    • Drivers with a clean driving record and no history of accidents or violations typically qualify for lower premiums.
    • On the other hand, drivers with multiple accidents or traffic citations may face higher insurance rates due to their increased risk of future claims.
  2. Age and Experience:

    • Young and inexperienced drivers, particularly teenagers, generally have higher insurance rates due to their higher likelihood of accidents and risky driving behaviors.
    • Rates typically decrease as drivers gain more experience and reach middle age, assuming they maintain a clean driving record.
  3. Driving Habits and Mileage:

    • The frequency and distance of driving, as well as driving habits such as speeding and hard braking, can influence insurance rates.
    • Drivers with a lower annual mileage or who use their vehicles primarily for leisure may qualify for lower premiums compared to those with long commutes or frequent driving for business purposes.
Coverage Options and Deductibles:
  1. Coverage Limits:
    • The type and amount of coverage selected by the driver impact insurance rates.
    • Comprehensive and collision coverage, which protect against damage

to the insured vehicle, typically result in higher premiums compared to liability-only coverage.

  • Drivers can choose coverage limits based on their individual needs and risk tolerance, with higher coverage limits resulting in higher premiums.
  1. Deductibles:
    • The deductible amount chosen by the driver affects insurance rates.
    • A higher deductible means the driver pays more out of pocket before insurance coverage kicks in, resulting in lower premiums.
    • Drivers should carefully consider deductible amounts based on their financial situation and ability to afford out-of-pocket expenses in the event of a claim.
External Factors:
  1. Location:

    • The driver’s location, including the state, city, and neighborhood, impacts insurance rates.
    • Areas with higher population densities, greater traffic congestion, and higher rates of accidents or vehicle thefts tend to have higher insurance premiums.
    • Additionally, local laws, regulations, and court systems can influence insurance rates in different regions.
  2. Insurance History:

    • The driver’s insurance history, including prior claims, coverage lapses, and continuous coverage, affects insurance rates.
    • Drivers with a history of filing frequent or costly claims may face higher premiums due to their increased risk profile.
    • Continuous coverage with no gaps in insurance history can demonstrate responsible behavior and may result in lower rates.
Credit Score:
  • In some states, insurance companies may consider the driver’s credit score as a factor in determining insurance rates.
  • Drivers with higher credit scores may qualify for lower insurance premiums, as they are perceived as lower-risk policyholders.
  • However, not all states allow insurers to use credit scores as a rating factor, and regulations regarding credit-based insurance scoring vary by state.
Discounts and Credits:
  • Insurance companies offer various discounts and credits to eligible drivers to help lower insurance premiums.
  • Common discounts include multi-policy discounts for bundling auto and home insurance, safe driver discounts for maintaining a clean driving record, and discounts for completing defensive driving courses.
  • Other discounts may be available for vehicles equipped with anti-theft devices, advanced safety features, or usage-based insurance programs that track driving behavior.

Overall, auto insurance rates are determined based on a combination of factors related to the insured vehicle, the driver’s characteristics, coverage options, external influences, and eligibility for discounts. Insurers evaluate these factors to assess the risk associated with insuring the driver and vehicle and calculate premiums that reflect the potential cost of claims and losses.

Why choose Goodlad & Swank to cover your vehicle?

Rev up your confidence on the road with Goodlad and Swank Auto Insurance, your trusted partner in safeguarding your vehicle and your peace of mind. Picture this: seamless coverage that extends beyond the unexpected bumps and bruises of daily driving, providing a shield against life’s unpredictable twists and turns. At Goodlad and Swank, we understand that your car is more than just a mode of transportation; it’s an essential part of your life, and it deserves the best protection possible.

What sets Goodlad and Swank Auto Insurance apart is our unwavering commitment to putting you in the driver’s seat of your coverage. With customizable policies tailored to your unique needs, you can rest assured that you’re getting the exact level of protection you desire. Whether you’re looking for basic liability coverage or comprehensive protection against accidents, theft, and natural disasters, we’ve got you covered. Our goal is not just to sell insurance but to empower you to make informed decisions about your coverage, ensuring that you feel confident and secure every mile of the way.

Beyond the security of knowing you’re covered, choosing Goodlad and Swank Auto Insurance means gaining access to a network of support and resources designed to keep you moving forward with confidence. From hassle-free claims processing to expert advice on safe driving practices, we’re here to support you through every twist and turn of your journey. Don’t settle for second-rate coverage when it comes to protecting your wheels. Join the countless drivers who have entrusted Goodlad and Swank for their auto insurance needs and experience the difference today.

We offer discounts!

Are you looking to save on your new Florida affordable insurance policy? Our professionals have the skills to help you get the best rates. Ask us about what we can do to help you save. 

Good Driving Record

Student away at school without vehicle

Good Student

Driving a Safe Car

Seasonal Driver

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Committed to
Serving Our Customers

Goodlad & Swank Insurance is a family-owned insurance agency founded in 2009. We’ve built a team of knowledgeable professionals that value integrity, caring for our clients, and offering you superior service.

We’ve partnered with one of the largest selections of carriers in all of Florida making it easy for you to have a one-stop-shop for all your insurance needs.

An unforeseen event coupled with inadequate insurance can quickly result in financial trouble. We recognize that addressing insurance may not be your idea of fun, but our goal is to make the process as enjoyable as possible. In the end, you may just find yourself letting us know what the grandkids are up to or how the honeymoon went. Get to know us, you’ll be happy you did. 


Our Services

Homeowners Insurance

You can access the top-rated insurance companies in Florida for primary and second homes, condos, and the property you rent to others.

Auto Insurance

You benefit because we’ve partnered with some of the largest, most-respected auto insurance carriers in the industry to provide coverage for cars, motorcycles, motor homes, and recreational vehicles.

Business Insurance

Your business is growing your business. Our business is working to guard you against the risks you face every day. Find out how to protect your business.

Condo Insurance

We work with premium carriers and brokers to offer a full suite of insurance options for residential condominium associations across Southwest Florida.

Flood Insurance

Get protected. Goodlad & Swank offers coverage through the National Flood Insurance Program as well as private flood insurance carriers.

Life Insurance

Protect your legacy. Whether life insurance is for your family or your business we can help you find the right policy at the best possible price.

Satisfied clients

Have been working with Goodlad & Swank agency for five years. Have always been very helpful!

Daniella W.

This is an amazing company to do business with. I have several properties and slowly I have changed all properties to be with Goodlad & Swank Insurance.

Ody O.

Great services. I have been using them for several years now. Thanks team!

Steve C.

Competitive rates and excellent service. Really nice folks to do business with. Highly recommend!

Mike H.

Fast, courteous, professional service with comparable rates. What else do you need?

Len M.

Had one of the best experience ever at this insurance company. You feel like family and everyone here is friendly.

Moises M.

I had a great experience with this Company! I highly recommend! Mary Beck was very helpful, very professional and very quick to respond to my emails.

Tina C.

Have been working with Goodlad & Swank agency for five years. Have always been very helpful and have given us good options to choose from.

Daniella W.

I had some issues with my previous home owners insurance company. David at Goodlad & Swank went above and beyond to try to help me out.

Chandace S.

Excellent customer service, extremely knowledgeable of all insurance needs. I highly recommend this company!

Robin Y.

Went out of their way to be professional and helpful. Would highly recommend this agency.

Carmen C.

Join our many, happy customers!

Goodlad & Swank

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