What our Naples Clients say about us

"Ryan Reynolds did a great job educating me about my insurance policy. After speaking with him, I realized I was insured under the wrong policy jeopardizing my chance to recoup compensation in the event of a claim. He handled the transition to the new policy in a very professional manner that caused little inconvenience to myself. I would highly recommend this agent to anyone."
- Robert Fredrick


I've been insured with them since September of this year. I have my auto and homeowners insurance through their carriers. Not only were they extremely competitive the customer service is the best bar none I've dealt with Mike and Libby in all my issues and they have been excellent in addressing them. I highly recommend Galt Insurance group for all your insurance needs.
- John A. (Naples, FL)


I just switched to Galt Insurance this past year and I have been so impressed by their quick and professional service. When shopping for car insurance, Mr. Reynolds gave me a detailed package of what my options were and made the transition smooth and easy. Shopping for insurance in the past for me has process that had been very stressful, however Galt Insurance made a breeze.
- Patti W. (Naples, FL)

Auto Insurance in Naples, Florida

Living in Naples, Florida has many advantages. For example, the weather is nice and warm and there is no snow or ice to worry about in winter. However, traffic can be quite heavy at times, and there are several problem areas in the city. Golden Gate Parkway at US 41 North and there is another trouble spot where both US 41 East and North merge with two other roads. These are only a few areas we have to watch and it's important to make sure you have the right auto insurance because you never know what the other driver is going to do. Let's look at some examples.

You are driving on Interstate 75. Traffic is relatively heavy and suddenly it starts to rain and you hit a slick spot in the road. Your car skids into the car ahead of you creating a chain reaction. Several people are injured and the damages are significant. If you only carry the minimum liability car insurance required in Florida you are in big trouble because claims can easily be in the six figures and minimal insurance only pays $20,000 for injuries (total) and just $10,000 for personal property damage (includes vehicle damage).

Defining Auto Insurance

Vehicle insurance is designed to pay for damages and injuries relating to auto accidents and hazards that happen to vehicles. You also may need to pay out of pocket expenses (deductibles) depending on your coverage and the nature of the claim.

Who Needs Car Insurance?

If you live in Florida and drive a car, pickup, SUV, or RV you must at least have liability insurance (or proof of financial responsibility for motorcycles). This is the law and you must present proof of insurance to law enforcement when they stop you or you could face penalties.

What is Mandatory Insurance?

Mandatory means you must take out a liability insurance policy for your car. In fact, liability is the only protection required by law. In Florida, the minimum is 10/20/10. This means you receive $10,000 personal injury protection (PIP) for one person, $20,000 injury claims total (everyone involved), and $10,000 for personal property damage.

What Options Do I Have

You have several options to consider and the most important option concerns increasing your liability coverage. Florida limits are far too low to provide adequate protection. Most drivers should consider at least 100/300/100 coverage if they want to be protected from major auto accident claims and lawsuits. In addition you can choose these options:

  • Comprehensive - covers non traffic accident claims (like tree damage)
  • Collision - pays for your car's damage when you are at fault
  • Uninsured motorists
  • Roadside assistance
  • Gap coverage - for new cars

Finding the Right Car Insurance Coverage in Naples, Florida

When you need insurance you can check with an agent from an insurance company but this person is very limited in what he or she can offer you. If you want the most coverage for your money, consider going with an independent insurance agency like Galt Insurance Group.

Why Choose an Independent Insurance Agent?

Your independent agent does not work for any insurance company. This person looks out for you and is there to match your insurance needs with all the available protection. You have someone to do all the insurance shopping for you and this gets you the best rates, best coverage, and other benefits.

Since your independent agent from Galt Insurance Group does business with several top insurers, you can receive several different opportunities for car insurance discounts and you have someone working for you, and not an insurance company. Plus, Galt only hires the most qualified insurance agents so you are assured of the highest quality services and professional insurance advice when you need it.

It's very easy to receive a free, no obligation quote on your insurance needs. Just click the "Find Quotes!" link on the page. You also may call us at 239-254-0127 or toll free at 1-800-BUY-GALT.