Motorcycle Insurance Information
Automatic Insurance is South Florida’s trusted source for personalized insurance benefits. When you come to us, we take the hassle out of working with a large, impersonal insurance company, while still helping you get customized, affordable benefits that will always come to your aid at the times you need them most. Our promise is that every client will walk out our doors knowing that they have received optimized protection that will keep them safe in all parts of their life.
Like all drivers, motorcycle owners are required to insure their bikes appropriately. However, insurance applies to a motorcycle much more differently than to the average car. Therefore, you’ll need customized motorcycle insurance, and we’re here to help you get it.
To get your motorcycle insurance policy today, call us at
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Why Do You Need Insurance For Your Motorcycle?
You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:
- If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
- If you or a passenger is injured in an accident, medical costs can be extremely expensive.
- If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
- Your motorcycle may be one of your most prized possessions. It deserves special protection.
Things To Consider And Questions To Ask Your Agent
Your Independent Agent is an advocate for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:
- How much can I afford to pay if my motorcycle is in an accident, damaged or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
- What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
- How much medical and liability coverage should I have?
- Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
- What's the process for filing and settling a claim?
Tips For The Cost-Conscious Rider
Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.
- Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It's also a good idea for cyclists who have already had accidents.
- Maintaining a good driving record with no violations will also help reduce your premiums.
- In many northern states, riders may save money by buying a "lay-up" policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
- Find out what discounts your insurance representative offers. Multibike discounts for those insuring more than one bike, organization discounts, if you're a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
- Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.
Common Motorcycle Insurance Questions
What is motorcycle insurance?
A motorcycle is a motor vehicle that is at risk of the same hazards that could impact every other vehicle. But it is still a lot different from your average car or truck. It has two wheels, requires special skill to operate and doesn’t provide the protection of the average car.
As a result, bikers need personalized insurance coverage. However, they won’t find it in a regular auto insurance plan. Only through motorcycle insurance will the owner be able to receive the proper protection to keep both them and their vehicle secure in the event of a sudden loss.
Why do you need motorcycle insurance?
Under the average motorcycle insurance policy, you will have a guarantee of financial assistance if you ever face a sudden, unavoidable loss involving your bike. The key to this coverage is that it will help you pay for accident damage, settlements and other challenges that could always arise (whether you are on the road or parked in your driveway) and save you a lot of money in personal losses.
What does motorcycle insurance cover?
Motorcycle insurance offers a diversity of benefits, which will offer you protection against any number of challenges that might arise:
Comprehensive coverage: This provides compensation if the motorcycle is damaged or lost due to fire, theft, vandalism, hail or wind.
Collision coverage: This provides compensation if the motorcycle is damaged or lost due to collision with another vehicle or object.
Liability insurance: This covers bodily injury and property damage the insured biker may cause while operating the vehicle.
Other benefits that you can also use to your advantage include:
Personal Injury Protection (PIP): This insurance helps with medical expenses for the driver and their passengers in case of an accident, no matter who is at-fault.
Guest passenger liability insurance: This coverage steps in if a guest driver causes an accident while operating the motorcycle with the owner’s permission.
Uninsured/underinsured motorist insurance: This insurance steps in if the insured vehicle is involved in an accident with a driver not carrying insurance.
Am I required to buy motorcycle insurance?
Any vehicle with a current Florida registration must carry at least:
$10,000 Property Damage Liability
PIP covers 80 percent of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, no matter who caused the crash. PDL coverage pays for damage to another person’s property caused by you or someone else driving your insured vehicle.
Bikers who have financed their bikes might also be required to purchase collision, comprehensive, gap or other physical damage insurance in compliance with lender rules.
It is highly recommended that you carry more than just a minimum level of insurance on your policy, and we are the experts who can help you determine precisely which additional coverage is best for you.
What does motorcycle insurance cost?
Numerous factors can influence the cost of your motorcycle policy, including:
It is possible for two bikers to have identical policies but still pay different prices for them. However, we’ll make sure that we search our carrier network to help you find the policy that will offer you the most optimized price level for the benefits of your choice.
Your chosen coverage limits
The value of your bike
Your driving accident history
Your history of claims on other motorcycle policies
Where you live