Motorcycle Insurance Florence (AL)

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Looking for lower-priced coverage for your bike? Motorcycle insurance premiums are determined by a multitude of factors:

  • Style, age, and size of the machine.
  • Where you live.
  • Where the bike is stored.
  • Your age, credit, and driving record.

We work with motorcycle insurance carriers in Florence and throughout Alabama to help you find the most suitable, most cost-effective coverage for there is.

Motorcycle Insurance Requirements

Alabama dictates the minimum motorcycle insurance required. Liability coverage provides coverage when you have been found responsible for injuring others or their property. Your liability protection must meet or surpass certain minimum caps set forth by the state.

Florence AL Motorcycle Insurance
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  • $25,000: Liability Coverage for Personal Injuries to a Single Individual in an Accident
  • $50,000: Liability Coverage for Personal Injuries to All Parties in an Accident
  • $25,000: Liability Coverage for Property Damage

You’ll want to speak to a broker to gauge how much coverage is right for you. Just submit your zip code to locate a motorcycle insurance specialist in Florence, AL. For all riders, we do advocate Uninsured Motorist (UM) coverage. After all, 12% of Alabama drivers aren’t insured.

The Best Motorcycle Insurance in Florence

Hoping to maintain the most affordable insurance premiums as you can? There are a variety of ways to lower your premiums.

The specific bike you ride is a major factor. UJMs, sub-1000 cc cruisers, and motards are often the least expensive to insure, with smaller-sized engines translating to more affordable premiums. Liter-class sport bikes and hypersports are the priciest bikes to insure.

The majority of insurance companies offer significant reduced premiums for individuals who go through a Motorcycle Safety Foundation class, often 10-20%. If you stay off your bike during winter, consider a lay up policy, in which all coverage but comprehensive is suspended for certain months of the year. Most insurance companies offer this option.

Motorcycle Insurance Rates in Florence

Find Coverage

Rates & Policies Online

Enter Zip Code

It’s difficult to predict the cost of motorcycle insurance without looking at a number of variables. Your age, your number of past violations, and the type of motorcycle being insured are all major, as are the coverage options and amounts you choose.

The good thing is, we work with almost all of the top insurance companies that cover motorcycles in Florence, who can supply you with rates and quotes online. To get going, submit your zip code. Select which insurers seem like a good fit, then compare rates and policies.

Insuring Bobbers, Choppers, and Cafe Racers

If you reside in Florence and you have done considerable custom work on your bike, consider coverage to protect your investment, best known as Custom Parts and Equipment coverage. Normally, this is purchased for bikes such as:

  • Bobbers
  • Choppers
  • Show Bikes
  • Cafe Racers

Without coverage, the replacement of hand-made or aftermarket parts won’t be covered if there’s an accident. No, you’ll only be compensated for the value of your stock bike. You can get more information about CPE coverage in this section.

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