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Florida Motorcycle & Motor Scooter Insurance

Choosing the right motorcycle insurance policy is similar to choosing the perfect motorcycle. They both have to fit your needs and your lifestyle, and at the same time, they have to be within your budget. Although Florida requires you to carry a minimum amount of liability coverage, other types of coverage will protect you and your investment further.

Our dedicated motorcycle insurance team will guide you through all the available coverage options along with discounts that can help drive down your premiums.

Here is an overview of common types of motorcycle insurance coverage.

1) If I cause an accident what motorcycle insurance coverage do I need?

If you're at fault in an accident Liability coverage is needed to help pay for expenses related to someone else's injuries or damage to their property. Liability coverage will not pay for your medical costs or repairs to your bike.

Typically there are two types of required liability coverage:

A) Motorcycle Bodily Injury Liability
This coverage may help pay for expenses related to the injuries of another driver or pedestrian if you're at fault for the accident.

Depending on the policy, bodily injury liability coverage will protect passengers on your bike. Otherwise, insurance for your passenger might require an additional premium.

B) Motorcycle Property Damage Liability
If you cause, an accident Property Damage Liability is needed to cover the cost of repairing damage to another person's property.

2) What coverage do I need to protect my Motorcycle?

While insurance coverage for your motorcycle is not required by the state of Florida, collision and comprehensive coverage may help you avoid a financial loss after an accident or theft. In most cases, a finance company will require one or both collision and comprehensive coverage.

Keep in mind all standard coverages mentioned will have limits which are the maximum amount your insurer will pay for a covered loss.

Collision coverage
If your motorcycle is damaged from a collision with another vehicle or object, then Collision insurance will pay for damages, minus your deductible. Collision insurance covers the book value of the motorcycle before the accident occurred.

Comprehensive coverage
A collision is not the only way your bike can be damaged. Comprehensive insurance protects you from financial loss caused by other events like theft, fire, or vandalism. Like collision insurance, repairs will be paid minus your deductible. Coverage is only for the book value of your motorcycle.

Only factory standard parts on your motorcycle will be covered in most comprehensive and collision insurance policies. If you are considering the addition of optional accessories such as sidecars, trailers, or chrome parts, you will need to insure them with additional or optional equipment coverage.

Uninsured/underinsured motorist coverage
If you have been injured an accident caused by an uninsured or underinsured driver this coverage may relieve the financial burden for your lost wages and medical treatment. Some motorcycle insurance policies may also include coverage for uninsured motorist property damage, or it may be available as additional coverage.

How can I reduce the cost of my motorcycle insurance premiums?

Some of the factors that determine the premium costs are:

  • Your age,
  • Your driving record
  • Where you live
  • Where you store your bike
  • The type of motorcycle you own (sports bike vs. a cruiser)
  • Age of the motorcycle
  • Being a graduate of a rider-training course

The seasoned team at Brady Insurance Group knows bike insurance. Our priority is helping you choose the coverage that will protect your unique lifestyle while finding ways to reduce the cost of your premiums. Being an independent agency allows us to compare coverage and discounts from many A+ rated companies.

Motorcycle Insurance Discounts

The availability of motorcycle premium discounts varies from company to company along with qualifications. Here are some general discounts our motorcycle specialists will review with you.:

  • Multi-bike discounts
  • Mature rider discounts for experienced riders 
  • Training course graduates discounts
  • Organization discounts

Graduates of motorcycle training courses will realize considerable savings. These classes should be a priority for higher risk riders like those under 25 or cyclists who have had an accident. The Motorcycle Safety Foundation (MSF) rider course is available in most cities.

The Brady Insurance Group team makes buying insurance easy and understandable. Call 866.764.1944 for lower rates, better coverage, more discounts, and just the best service.

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Brady Insurance Group, LLC. represents over 50 A-rated insurance carriers to provide insurance in Fort Lauderdale, Lauderdale-By-The-Sea, Pompano Beach, Oakland Park, Boca Raton, Deerfield Beach, Hollywood, Coral Springs, Plantation, Lighthouse Point, Parkland and all of Florida.