Anyone who owns a motorcycle needs motorcycle insurance. Why? You can’t own and drive a vehicle like a motorcycle without some sort of protection in play. Motorcycles and other bi-wheeled vehicles are especially prone to accidents and other detrimental occurrences. So, it’s much safer to secure a good insurance policy to protect yourself and your bike when on the road.
The case for motorcycle insurance
It’s, in fact, required by law for motorcycle owners to have some type of motorcycle insurance. This type of insurance, naturally, protects you and your motorcycle in the event of any loss. Many motorcycle insurance policies typically cover motorcycles, in addition to scooters, mopeds, snowmobiles, ATVs and even golf carts.
Even if you also have a homeowner’s policy, motorcycles and other recreational vehicles aren’t at all covered by them. Some homeowner’s policies, however, many have some coverage options for ATVs and golf carts; that’s something generally offered depending on your insurance provider, though.
Motorcycle insurance covers just what you would expect with a robust vehicle insurance policy. Most motorcycle insurance policies generally cover the following:
- Property damage and bodily injury liabilities.
- Uninsured motorcyclists.
- Medical pay.
- Collision and comprehensive insurance options.
Naturally, many motorcycle insurance policies, particularly in Florida, have additional insurance coverage options known as specialized insurance options. These can include coverage for total loss replacements, accessory coverage, rental vehicle coverage, transport trailer coverage, trip interruption coverage and even coverage for roadside assistance and other emergency services.
Many specialized motorcycle coverage options help people cover themselves and their vehicles in the case of a loss or other detrimental situation involving their motorcycle. These options simply give Florida bike riders more options to protect themselves and their vehicles, especially if something happens to them on the road.
You, your bike and motorcycle insurance
It’s said that actually investing in a good motorcycle insurance plan is considered ‘invaluable,’ and that’s more true than you think.
Though, the thing is, motorcycle insurance is actually considered more likely to be expensive than your standard car insurance policy. Since motorcycle insurance is a type of specialized vehicle insurance itself, it’s only natural that it costs more than standard car insurance.
Motorcycle insurance is actually a completely separate insurance policy, when compared against car insurance. In fact, you can’t actually use car insurance to cover your motorcycle, since motorcycles and other recreational vehicles are a completely different ‘breed’ of vehicles that have specialized needs that are different apart from that of a standard car.
Motorcycle insurance can automatically cover damages to your motorcycle, in addition to providing you with adequate personal injury protection that helps cover you for any sustained injuries from any potential motorcycle accident. The range of motorcycle accidents that are usually covered by motorcycle insurance include minor accidents to more severe accidents that can and will cause you to pay expensive repair and hospital bills.
The chance of experiencing a costly motorcycle accident is too high, so you can’t just regularly use a motorcycle without motorcycle insurance in place. Although there are many great bike routes to take in Florida, you can’t enjoy any of that road without a ‘safety net’ for you and your bike. That very safety net includes benefits like:
- Immediate coverage for damages to your motorcycle.
- Immediate coverage for personal injury.
- A sense of security when riding throughout the state of Florida.
So, motorcycle insurance is valuable and it is needed for any serious motorcyclist in Florida. Not only will having motorcycle insurance give you a peace of mind, but it will keep you safer on the road—even if you don’t think you need it.
The cost of motorcycle insurance
Did you know that motorcycle insurance is considered more expensive then car insurance? There’s a big reason why motorcycle insurance gets much more expensive than your average car insurance policy.
Many motorcycle insurance providers in Florida actually explain that it’s much riskier to drive a motorcycle, hence the requirement of all bikers needing motorcycle insurance. Although standard motorcycles cost less than cars, they have an ‘increased likelihood of causing the driver to experience an accident.’
Though, just because they’re expensive, it doesn’t mean that they’re unattainable. You can easily find insurance via Florida motorcycle insurance quotes on the web. You can also research the different insurance policies out there—and learn what parameters can actually make a standard policy rise.
As an example, the safety ratings assigned to motorcycles can actually influence the price of their corresponding policy. So, bikes with great safety ratings end up costing less to insure, while bikes with lower safety ratings cost much more to insure.
Also, motorcycles are actually a lot more prone to theft than most bikers think. Thanks to this, many motorcycle insurance providers will actually take into consideration the ‘likelihood of theft’ against the type of motorcycle that you have. In other words, bikes that are more likely to get stolen will cost more to insure.
Keeping costs down
Not every biker in Florida is destined to carry an expensive insurance policy. Although motorcycles are prone to more accidents and unfortunate situations, bikers like yourself can still find a policy that covers all of your needs—on the road—without the exorbitant costs.
The best thing you can do for your motorcycle insurance policy is, well, stay a safe driver. It’s no secret that many people who have relatively ‘inexpensive’ motorcycle and even car insurance policies drive much safer than people who don’t.
That brings us back to policies themselves. As long as you use online website tools to generate Florida motorcycle insurance quotes, you can potentially find insurance rates that fit the type of motorcycle that you currently drive.
There’s nothing wrong with using the Internet to help you find the motorcycle insurance policy of your dreams—and, you can even use that same information to have your motorcycle insurance provider provide you a better insurance rate!
If you currently drive a motorcycle in Florida, you are required to have some type of motorcycle insurance to cover your vehicle and yourself, in the case of an accident or other unfortunate occurrence. So, it’s not a matter of why you need motorcycle insurance in Florida, it’s a matter of making sure you know exactly why such an insurance policy is important.