Auto Insurance
Automobile insurance for Fort Myers, Cape Coral, Naples and all of Southwest Florida
In most states, you’re required by law to carry car insurance. It’s easy to think all car insurance is created equal. And if all insurance is alike, what difference does it make where you get your coverage?
For over four decades Lott & Gaylor has serviced the auto insurance needs of Fort Myers, Cape Coral, Naples and all of Southwest Florida. Our insurance company’s offer sound coverage at a price that will fit any budget and our agents have the know-how to match your needs with them.
- The first is the liability section of the policy. It covers your financial responsibility for injuring others and is usually required by most states (including Florida).
- The second part covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks.
- There are also ancillary medical, car rental and other coverages which vary by state. Additionally you should ask your agent about uninsured and under-insured motorist coverage. Uninsured motorist (UM) coverage pays for your medical bills if an uninsured driver hits your car or if you’re involved in a hit and run.
Additionally there are important coverages like Medical payments (called MedPay), Personal Injury Protection (called PIP) and no-fault. Be sure to ask your Lott & Gaylor representative how these coverages affect your policy and how one would respond in the event of a claim.
Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
Quick, no hassle and convenient online quoting with multiple insurance carriers will ensure you get the best coverage for your insurance dollar. Call, email or quote your vehicle insurance online – no matter how you contact us – you will be glad you did.

What our clients are saying...
EXCELLENT Based on 153 reviews John Mayer2025-01-16Trustindex verifies that the original source of the review is Google. Insurance policies always make my eyes gloss over. I need professional assistance. You can do no better than Lott & Gaylor in my opinion. With their guidance I changed to higher quality insurance companies at materially lower premiums. Take my recommendation if you are looking to change insurance agents, and contact Lott & Gaylor. Kevin M2024-12-26Trustindex verifies that the original source of the review is Google. Quick! Efficient! Happy with pricing. Recommend. David Bottoni2024-12-26Trustindex verifies that the original source of the review is Google. Megan was very responsive, attentive and helpful. I would recommend Lott and Gaylor Insurance. Sandra Casey2024-08-15Trustindex verifies that the original source of the review is Google. Great to work with! They responded to my insurance needs quickly and efficiently Marilyn Balderrama2024-06-03Trustindex verifies that the original source of the review is Google. I was recommended by a friend of mine who suggested to give Lott & Gaylor Insurance company a call regarding my condo insurance. I was highly pleased with the agent (Megan Duchene) who did an awesome job connecting me with the right insurance company for my condo. She got back with me the same day I requested quotes. Nice job Megan! Will definitely recommend Lott & Gaylor to friends and family. Atul Kaul2024-02-28Trustindex verifies that the original source of the review is Google. Excellent service by Megan. She is patient and gave various options and coverage options to make an informed decision. Competitive quote, not disappointed. 5 stars! Laura Donohoe2024-02-18Trustindex verifies that the original source of the review is Google. I called Lott & Gaylor when I was finding it nearly impossible to find a new homeowners policy for a condominium I recently inherited in Ft Myers. After two very frustrating days on the phone with various insurance companies, Megan as able to find an affordable policy for me with the coverages I needed within 30 minutes. She was knowledgeable, professional and patient. I wish I'd called them first!! G'nC Roedding2023-11-02Trustindex verifies that the original source of the review is Google. We've been extremely happy with the prompt and throrough service we've received from Megan at Lott & Gaylor. They didn't just give us a policy to get money but sought to do what was in our best interests. We'd recommend them to anyone needing insurance.Verified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
Comprehensive coverage versus collision?
Unlike liability coverage, collision coverage pays to repair your own vehicle in the event of an accident. Your car is usually considered “totaled” when the repair costs exceed a certain threshold of the car’s value, such as 65%. At that point, the insurance company will tow away the car to the salvage yard and offer you the actual cash value of your car. To keep cost’s down some insured’s choose to lower their premium costs by raising their collision deductible. Keep in mind however, that you’d be responsible for paying that high deductible out of your pocket.
Comprehensive coverage pays for damage to your auto for just about everything that isn’t caused by a collision. That includes theft, fire, vandalism, natural disasters and collisions with animals. Additionally, comprehensive coverage also pays for cracked windshields to be replaced with no deductible. Ask your Lott & Gaylor representative about comprehensive and collision specifics and how this valuable coverage can benefit you.

Are there any other coverages I should ask about?
Keep in mind that you can’t buy insurance after you have an accident.
Carefully considering the position you may be in, if you should ever be in an accident, is important.
Like many other forms of insurance, there is a wide array of extras that you can add to your auto insurance policy.
Just remember that making a claim for any of them, like towing, goes down as a claim on your record. Keeping you safe is our number one priority. That means making sure your policy can protect you as much as possible.
Contact Lott & Gaylor Insurance today, we’ll show you all of your options, recommend the right limits, and make sure you receive every discount you deserve.
Request a Quote
Request a Quote(additional info)
"*" indicates required fields