Motorcycle Insurance

Motorcycle insurance can help provide financial protection on the road. Here are some compelling reasons to purchase this crucial coverage:

• Protection for your bike—In case of an accident, repairs or replacements can be costly.
  
• Medical expenses coverage—Injuries can happen, and insurance can help cover hospital bills.
• Liability protection—Motorcycle liability insurance can help protect you from expensive claims if you're at fault.

Florida doesn’t require motorcycle insurance, but without appropriate coverage, you could be held liable for third-party accident-related property damage and injuries. In addition, if you ride without a helmet, you must have certain levels of medical payments insurance.

If you lease or finance your bike, your lender can impose insurance requirements that typically include full coverage, including comprehensive and collision insurance. They may also require gap insurance, which can help cover the difference between your motorcycle’s payoff amount and your insurance settlement if the bike is a total loss after a covered accident or incident.

Factors That Affect Your Motorcycle Insurance Premium

Insurance premiums can vary widely based on several factors. Being aware of these can help you find the best rates. Your motorcycle insurance rates may be based on the following:

• Riding experience—More experienced riders often pay lower premiums.

• Motorcycle type—Sport bikes might have higher rates due to their high speed and repair costs.

• Safety courses—Completing motorcycle safety courses can sometimes lead to discounts.
  

Local Considerations

Consider the following local factors that could impact your insurance choices:

• Weather—Florida’s active storm seasons can lead to claims for storm damage, so consider comprehensive coverage.

• Traffic—High-traffic areas may increase the likelihood of accidents, impacting your rates.

• Helmet use—Florida motorcyclists choosing not to wear helmets must maintain minimum medical payments coverage.

Contact Us

Contact Iten Insurance Agency in Davie, Florida, for a personalized motorcycle insurance quote.