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AA Top Insurance

2520 Sailors Way
Naples, FL 34109

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AA Top Insurance is Your Naples FL Auto Insurance Solution

For Naples, FL drivers searching for insurance, our team here at AA Top Insurance LLC has answers to your questions.  We specialize in helping Florida drivers get on the road legally with the proper amount of auto insurance, but more importantly, we are standing by with support in the event of a traffic accident.

Auto Insurance Requirements in Naples, FL

At the very minimum, Floridians have to demonstrate that they have financial responsibility through possession of minimal liability insurance as a condition of getting behind the wheel of a car.  These policies mandate coverage for injuries to a single person, more than one person, as well as additional coverage to cover and property damage that results in an accident. 

What this means in practice is that while you can legally drive on Florida roads, your vehicle would not be subject to coverage without a full policy in place.  Whether or not a full coverage policy is the best scenario for your situation means sitting down with a licensed insurance agent to discuss your full range of vehicle insurance options.

An AA Top Insurance representative can sit down with you and discuss all of your available insurance options.

Contact AA Top Insurance LLC for Your Auto Insurance Needs

Drivers in Naples, FL are welcome to come to visit our trusted, friendly, and knowledgeable agents to discuss the details of your auto insurance needs.  Every driver’s situation is different, so a one size fits all policy is hardly the correct prescription from one driver to the next. 

When you are looking to find a policy that is the perfect fit for your situation, our AA Top Insurance agents are standing by to help you make an informed decision of what policy options are available to protect you, your family, and your property.

Is basic auto insurance ever enough

In the state of Florida, the amount of basic auto insurance required is low. It will help if you carry PIP insurance. The amount required is $10,000, and it provides for medical expenses and lost work as a result of an accident, no matter who is at fault. Florida is one of only ten states which require PIP (Personal Injury Protection) insurance. Florida residents are also required to carry PDL( Property Damage Liability) for a minimum of $10,000. At AA Top Insurance LLC in Naples, FL, we are passionate about insurance and making sure our customers get the insurance they need. 

Basic auto insurance is only enough if you have no assets, are unemployed, and have a vehicle with little or no value. Since Florida is a no-fault state, frivolous lawsuits are not allowed. However, in the event of a severe accident, where you are at fault, and there is permanent injury or death, the victim (or their family) can sue. If you don’t have liability coverage, you are responsible for the judgment against you. Your assets can have a lien placed against them, and your future wages may be garnished. 

Your vehicle, if it has significant value, should be covered by collision and comprehensive insurance. This will protect your vehicle from a collision where you are at fault. It will also provide a rental car while your car is repaired. Comprehensive will cover theft, vandalism, damage caused by weather, and glass breakage. All of these can be difficult to pay out of pocket without the right insurance. 

If you live in Naples, FL, or the surrounding area, AA Top Insurance LLC would love to be able to help fill your insurance needs or wants. Give the office a call, or if you are in the area, stop by and get us to provide a free quote. 

Partner Carriers

  • Assurant Flood
  • Citizens
  • Federated National Flood
  • First Comp
  • Florida Peninsula
  • Foremost Commercial
  • Bristol West
  • Mercury
  • MetLife
  • Nationwide
  • Olympus
  • Prepared Insurance
  • RLI
  • Safeco
  • Starr insurance
  • St johns Insurance
  • The Hartford
  • Travelers
  • United Property and Casualty
  • Universal Property and Casualty
  • Usassure