Top Tips for Purchasing Motorcycle Insurance

Do you own a motorcycle and need quality insurance coverage? We can help! Keep reading to learn top tips for purchasing motorcycle insurance from our Familia Insurance Agency team.

Don’t Depend on Florida’s Minimum Requirements

The minimum liability limits you can carry on a motorcycle insurance policy in Kissimmee, FL is $10,000 bodily injury per person; $20,000 bodily injury per accident; and $10,000 property damage. Bikers are also required to buy $10,000 of Medpay insurance, as PIP doesn’t apply the same way for motorcycles as it does  As you can tell, this would be very easy to exceed if you were involved in a serious accident that was deemed your fault. Thus, consider choosing limits that are higher.

Cover Damage for Your Own Bike

Liability insurance does not cover your bike or medical bills if you’re involved in an accident. That’s why it is important to carry comprehensive and collision coverages on your policy. Comprehensive helps pay for repairs in the event of a natural event, such as a storm, fire, or hitting a deer. It also covers certain vandalism issues. Collision pays to get your bike fixed after you’ve been in a collision accident. Neither are considered required unless you have a lienholder, so it is important to talk to a Familia Insurance Agency team member to discuss your options.

Tickets or Accidents Don’t Have to Be the End of Your Motorcycle Dreams

If you’ve put off getting motorcycle insurance because your driving record isn’t exactly perfect, don’t delay anymore. As independent insurance agents, we can help you find a policy that isn’t going to break your budget. Best of all, most people discover that the situation they’re in isn’t as big of a deal as they first thought.

Ready to purchase quality motorcycle insurance in Kissimmee, FL? Please contact us today to schedule a no-obligation coverage review appointment.