Understanding and Obtaining Motorcycle Insurance in Florida

With Florida’s warm weather, beautiful cities and sprawling beaches it’s no surprise some Florida residents will choose to purchase a motorcycle. Because of its mild winters and autumns, Florida offers motorcycle owners the opportunity to enjoy their bike nearly year round.

Understanding the laws of Florida motorcycle insurance can be complicated and confusing for first time motorcycle owners or new residents. Unlike with auto insurance, in Florida it is not required to present proof of insurance when registering a motorcycle. An owner who owns the motorcycle title out-right (no loan or lien) has the option to choose not to purchase insurance. However, any accident that the motorcycle is involved in could ultimately be fully financially billed to the owner/operator in the case of any damage.

Motorcycle Insurance Laws in Florida

Even more, driving a motorcycle without Florida motorcycle insurance could cause further issues in the case of damages or an accident. If a motorcycle operator does have an accident while not being insured, it could result in the suspension of license or the vehicle’s tag or registration. This could be a price that may surprise many motorcycle owners. Florida motorcycle insurance protects riders and owners in the case of an accident, especially if the accident is deemed the fault of the motorcycle rider.

Ultimately, liability insurance in Florida for a motorcycle is voluntary unless you are responsible for an accident.  However, it is very suggested to be acquired for yours and your motorcycles protection.

Florida Helmet Laws

Another important state law is the Florida helmet law and its relationship to purchasing insurance. As of the year 2000, Florida requires all riders under the age of 21 to wear helmet as well as any operator that has chosen not to carry at least medical insurance coverage.

Types of Motorcycle Insurance in Florida

Just like with any auto insurance, motorcycle insurance comes in many different forms and from many different providers. Purchasing motorcycle insurance through these means will allow the rider to tailor their insurance policy to fit their needs. Most auto insurance providers offer some form of motorcycle insurance as well.

However, these laws are specific to Florida. If a rider plans to travel outside of Florida, even on a trip they may be required to purchase insurance to meet that state’s requirements. The best way to be sure you are safely within any given states insurance laws is to check that states laws before planning a trip out of Florida. If you own another vehicle you have an auto insurance policy on, your agent through that means should be able to tell you more about the insurance laws of specific states.

The Importance of Florida Motorcycle Insurance

While it may not be required by Florida law, liability insurance on a motorcycle could mean a lot less stress and confusion in the case of an accident. No one plans for accidents, the best you can do is be prepared for them in case they arise. Having reliable insurance could mean the difference between some paperwork and spiraling debt.


How to Find Cheap Florida Auto Insurance

Finding cheap Florida auto insurance can be quite advantageous for new drivers and veteran drivers who are looking to switch insurance companies to save money.  With the ability to save money for other aspects of your everyday life such as bills or a nice vacation, it is imperative that you consider finding a company that offers cheap Florida auto insurance.  Below are the steps that you can take in order to find the right company for your insurance needs.

Step 1: Consider Your Car

This step is mostly important for individuals who have yet to purchase a vehicle.  The amount of money that you pay for collision and comprehensive coverage will depend on the type of car that you purchase.  You will want to consider the make, year, and model of the car that you currently drive or will be driving.  The newer and more expensive the vehicle is, the higher your monthly premium will be.  Purchasing an inexpensive vehicle will help to conquer having to pay an ample amount of money for auto insurance.

Step 2: Liability Insurance Minimums

The next step to finding cheap Florida auto insurance is to consider the liability insurance mediums that your state offers.  The majority of states have minimums in place for both property damage and bodily injury.  These minimums are subject to change, therefore you will want to stay up to day with your state’s insurance commission’s website.

Step 3: Consider a High Deductible

As with the majority of other types of insurance, you will want to consider getting a high deductible when you are purchasing cheap Florida auto insurance.  When you take the highest deductible possible, you will be able to lower your monthly premiums.  As an example, if you choose a deductible that is $1000.00 versus $250.00, you’ll pay less at first.  Although in the event of an accident, you may have to pay for more of the bill prior to your insurance payments beginning to assist you.

Step 4: Check Your Credit Score

The majority of insurance companies offer individuals the opportunity to take their credit score into account when selecting a cheap Florida auto insurance plan.  When the company compiles your insurance credit score, it is used to help calculate the amount of money that you will be paying for your monthly premiums.  If you have bad credit, you may end up having to pay more for auto insurance, whereas if you have a good credit score, it could be quite advantageous.  Take this into consideration when applying for cheap Florida auto insurance.

Finding cheap Florida auto insurance is quite important, especially if you are interested in cutting costs for a necessary component in your life.  Rather than having to pay high monthly premiums, you will be able to find a company that will help you to save money for other components of your life.  With the use of the above tips, individuals are provided with the opportunity to easily have auto insurance.