Coverage that matches the value of what you drive.
Family-owned independent agency
Serving Southwest Florida since 2009
Naples isn’t an average Florida market, and your auto insurance shouldn’t be average either. The vehicles on Naples roads reflect the community: newer luxury sedans, high-end SUVs, sports cars and collector vehicles. Insuring them on standard-market terms can leave money on the table, or leave coverage gaps that turn a fender bender into a five-figure problem.
Goodlad & Swank serves Naples and the rest of Collier County from our Lee County office, with access to dozens of carriers. Rates for the same driver and car can vary widely from one company to the next, so we compare them for you and explain the differences in plain language.
Florida requires only $10,000 of personal injury protection (PIP) and $10,000 of property damage liability (PDL). Those minimums leave big gaps, so here is what we recommend Naples drivers carry.
Florida’s required coverages. PIP pays 80% of your own medical bills, up to $10,000, whoever caused the crash. PDL pays for damage you cause to other people’s property, and $10,000 rarely covers a modern car.
Florida doesn’t require it, but it pays for injuries you cause to others and protects your savings if you’re sued. With the vehicles and assets at stake in Collier County, higher limits are a practical necessity.
Florida has one of the highest rates of uninsured drivers in the country. This coverage protects you and your passengers when the at-fault driver can’t pay.
Pays for storm surge, flooding, wind, falling trees and theft. It’s the only auto coverage that protects against weather damage, and coastal storms aren’t hypothetical in Naples.
Pays to repair or replace your car after an accident, whoever is at fault. Luxury and specialty vehicles cost more to repair, and collision absorbs that cost.
Naples is car-dependent. This keeps you on the road while your vehicle is in the shop after a covered claim.
Naples drivers own some of the most expensive vehicles in Southwest Florida, and higher values mean higher repair and replacement costs. Rates for the same vehicle can differ by more than $1,000 a year between carriers, so carrier choice matters.
Traffic surges between November and April, especially along US-41, Airport-Pulling Road and Pine Ridge Road. More drivers and more congestion mean more accidents and more claims.
Storm surge, wind and flooding are real risks for vehicles, especially those parked in low-lying areas or near the coast. Insurers price that risk into every policy.
Higher-value vehicles are bigger targets. Comprehensive coverage protects against theft, and anti-theft features can earn you a discount.
We search every carrier we represent for the discounts you qualify for:
Every discount stacks. The more that apply, the more you save.
Standard auto insurance won’t properly protect it. We work with carriers that offer agreed-value policies, which pay the full agreed value of the vehicle rather than a depreciated market estimate.
We’re not the insurance company. We’re your agent, and that distinction matters.
Florida requires only $10,000 of PIP and $10,000 of property damage liability. That won’t pay for injuries you cause to others or for damage to your own car. We’ll show you what better coverage costs before you decide.
A captive agent sells one company’s products. We represent dozens of carriers, so we can shop the market and find the policy that actually fits your situation.
Our office is at 702 Leeland Heights Blvd W in Lehigh Acres, and we serve Lehigh Acres, Fort Myers, Cape Coral, Bonita Springs, Estero and Naples. You’re not a policy number. You’re a neighbor.
Butch Swank built this agency on one idea: change the way people feel about their insurance agency. Our team treats every client like family.
Butch serves on the Board of Lehigh Regional Medical Center and co-founded the East Lee Education Cooperative, and Mary sits on the Board for Lehigh Community Services. We don’t just work here. We live here.
Share who drives, what you drive, your driving history and the coverage you have today.
We shop multiple insurance companies and lay out the differences in coverage and price in plain language.
Pick the policy that fits. We take care of the paperwork and stay your point of contact for changes, renewals and claims questions.
Florida’s auto insurance rules and carrier options keep changing. Our family-owned team shops dozens of carriers to get you the most coverage for your money.
