Motorcycle Insurance

Agency 54, your South Florida Independent Insurance Agency prides itself in having partnered with the best motorcycle programs in the country.

We understand that with every activity comes risk. Especially those that involve wheels, speed, and the unpredictable factors that drivers and motorcyclist experience while on the road. We are here to make sure you have the motorcycle insurance you need to be fully covered in the event of an accident.

In Florida there is a financial responsibility law, requiring motorcyclist to pay personal and property damages in an accident they cause. This is similar to the auto insurance personal injury protection required insurance in Florida.

There are many things to consider when purchasing a policy for your motorcycle. Insurance can be confusing. Plans often have various limitations and exclusions, though they are not always clear.

At Agency 54 Insurance our licensed insurance professionals will help you understand what your plan covers and does not cover.

Types of Motorcycle Coverage.

  • Liability Insurance Policy.
    There are three forms of liability coverage.
  • Bodily Injury Liability for one person.
  • Bodily Liability for all people involved.
  • Property Liability for damage to others property.

If you cause an accident and someone is injured, the bodily liability would cover the cost for the treatment of that person.

Before you decide on the liability coverage in your motorcycle insurance policy, consider how much you can afford if the accident is severe. If the costs of the crash exceed your limits, you will have to pay out-of-pocket.

  • Collision Coverage.
    If your motorcycle is damaged in an accident, collision coverage will pay for repair or replacement regardless of who was at fault for the accident.
  • Accessories Coverage.
    If you have done any aftermarket upgrades or any enhancements to the motorcycle you may want additional coverage for these items.

Don't wait, get a quote today!

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Factors that Affect your Rates with Motorcycle Insurance.

  • Your Credit Score.
    Your credit history affects your motorcycle insurance premium as much or more than your driving history. Statistically, motorcycle riders with poor credit are more likely to file a claim, so insurance companies tend to raise premiums for these customers to compensate for risk.
  • Your Driving History and Age.
    The insurance company will do a risk assessment based on how old you are. They will include traffic accidents or violations on your record, both for your motorcycle and your car.
  • Where you Travel and Live.
    If you travel in high accident or crime areas, your risks are higher. Where you store your bike also matters; if it’s kept in a locked garage, it is much less likely to be stolen or damaged.
  • How Frequently you Ride.
    If you ride year round, you will face more risks then drivers who only use their motorcycles for a few months of the year, or only on weekends.
  • The Make and Model of your Motorcycle.
    How expensive is your bike? How new? And how much horsepower?
  • After-Market Additions.
    Insurers will also take into account whether you have added specialty components such as a custom frame.

Insurance Carrier Partners

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