Auto Insurance

Auto Insurance Information

Auto Insurance in Venice and Sarasota, FL

What makes us different from buying your auto insurance through the internet or an 800 number? 

Understanding your policy is crucial.  When you deal directly with a local agent, you are getting a licensed specialist to help you make the right choices for coverage.   It’s not just about price.  You don’t always get a licensed representative when purchasing insurance through the internet or an 800 number.  You don’t always get a staff member willing to take the time to assess your risk tolerance in the event of a serious auto accident.  This is what we do at Ramey Insurance!

Ramey Insurance represents top auto insurance companies such as Hartford, AARP, Nationwide Insurance, Safeco, Travelers, Progressive and others that will fit your needs if these don’t. 

A quick reference guide is listed below to help you understand what each coverage stands for.  There are many additional coverages that can be added onto your policy and you may quality for multiple discounts.  We hope you find this information useful and that you take a minute to review your current coverage.  Better yet, call or email Ramey Insurance and let us do the work for you!

Bodily Injury / Property Damage Liability

Protects you financially in the event you unintentionally cause injury to other drivers or damage to other vehicles or property.

Uninsured Motorist Coverage

Can provide coverage for medical costs and pain and suffering for bodily injury to your and others in your vehicle, if such injury is caused by a driver with no insurance coverage or insufficient limits of coverage.

Personal Injury Protection “No Fault”

Required coverage under Florida’s No-Fault Law that provides a percentage of first-dollar medical expenses to you, in addition to other potential benefits, regardless of fault in the accident.

Medical Expense Coverage

Pays certain medical expenses for injuries sustained while occupying your car, regardless of who is at fault, above and beyond what Personal Injury Protection provides.

Comprehensive Coverage

Pays for damage to your car, less any deductible, caused by things other than collision, such as fire, theft, glass breakage, or natural disaster (windstorm, hurricane, etc).

Collision Coverage

Pays for damage to your car, less any deductible, caused by colliding with another vehicle or object.

As your trusted source for car insurance, Ramey Insurance Agency offers a variety of coverage and additional protection options, such as:

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