YOU ASK:

How can I find Florida motorcycle insurance quotes online?

WE ANSWER:

Getting motorcycle insurance quotes online is the easiest way to shop around for bike coverage. But before you go about looking for specialized motorcycle insurance quote websites, you must get familiar with the specific motorcycle insurance laws and regulations, which are in force in the state of Florida.

Do I Have to Buy Motorcycle Insurance in Florida?

Florida is the only state, after Washington, which does not require riders to carry motorcycle insurance by law. As a result, the number of uninsured bikers severely injured or killed on the Florida roads, has risen considerably in recent years.

The problem is that many people in Florida erroneously believe that their motorbikes are automatically covered by their Personal Auto policies, and they learn the bitter truth after they have been in an accident. To avoid such situations, Florida bikers should be aware that they must buy motorcycle insurance if they want to be protected.

Here are the main coverages Florida motorcycle riders can get:

  • Although Personal Injury Protection (PIP) coverage is typically reserved only for automobiles, some insurers might offer similar PIP coverage for motorbikes. If an insured bike rider is involved in an accident, their PIP will pay 80 percent of their medical expenses and 60 percent of their lost earnings, regardless of who has at fault for the accident.
  • You should purchase property damage liability insurance in case you cause damage to somebody's vehicle or other property.
  • Getting some uninsured and underinsured motorist coverage in the state of Florida where motorcycle insurance is optional is very important. Imagine you get hit by a driver who does not carry any, or inadequate, liability insurance. Who is going to pay for your pain and suffering?
  • You should buy comprehensive coverage since Florida is one of the states with the highest rate of motorcycle theft.

Getting a Florida Motorcycle Insurance Online Quote

It is as easy as 1, 2, 3. You just need to answer some basic questions about yourself, your financial, employment and marital situation, your driving history, your vehicle and where you live. If you are married, live in a nice, peaceful area, are over age 25 and your vehicle is not considered high-risk (just as sports bikes are), you will probably get some very attractive offers. All you need to do after this is compare the quotes and do some extra research about each company.

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