Motorcycle Insurance Fort Myers (FL)

The Fort Myers area offers exceptional riding. But it goes without saying, if you want to enjoy the area on two-wheels, you have to hold motorcycle insurance coverage. We help riders like you get the best coverage and lowest premiums on the market by comparing the leading motorcycle insurance providers. Ready to get started? It takes less than 10 seconds. Enter your zip code to begin.

Minimum Motorcycle Insurance

Florida has put in place minimum liability limits for motorcycle owners. Liability insurance pays any damages resulting from an accident for which you are found liable. The state establishes the minimum liability thresholds. There are three minimum liability coverages specified:

• For Injuries to a Single Party: $10,000
• For Injury to Two or More Persons: $20,000
• For Property Damage: $10,000
• For Single Limit Liability: $30,000

On one hand, less coverage translates to less costly motorcycle insurance. However, less coverage results in higher risks that your insurance payout will not cover your total health care expenses if you injure or are injured by another driver. Remember that the cost of medical care and personal property often goes up faster than state liability levels get changed.

Saving on Motorcycle Coverage

Trying to keep your insurance rates down? We know several ways to trim your monthly payments.

First, it is important to consider the type of bike you ride. In most cases, the most expensive motorcycles to insure are sport bikes. Many insurance companies offer big reduced premiums for those who complete a Motorcycle Safety Foundation Course, often as much as 20%. Only ride three seasons a year? You might want to consider a lay-up policy, in which premiums are marked down while your bike is kept in storage.

Be sure to ask your insurance provider if they offer policies like this.

Motorcycle Insurance Rates in Fort Myers

Premiums vary greatly based on a multitude of factors. Factors include the model of your bike, your coverage options and limits, your driving record, even your credit score. Luckily, we work with most of the leading motorcycle insurers, who can offer you prices online.

When you submit your zip code, you’ll see a list of trusted motorcycle insurance companies that cover riders in your part of Florida.

Eligible Motorcycles

Nearly any kind of motorcycle can be insured. Below are a few considerations for certain popular classes.

• Supersports: Without a doubt, these can cost a king’s ransom to insure. That’s because they are involved in more accidents, and they are especially popular among young, often inexperienced riders. Your driving record will have a huge impact on the cost of sport bike insurance. Quite a few sport riders neglect to buy collision or comprehensive coverage, in order to cut costs. However, this isn’t encouraged, as these machines can be cost prohibitive to replace because of their fairings.
• Choppers and Bobbers: Is your bike highly customized? If so, you should look into coverage to protect your investment. Without coverage, most custom or aftermarket parts aren’t going to be included in case of an accident. Rather, you’ll be paid the value of your stock bike.
• Scooters: Sometimes riders neglect to insure their scooters, which could be a mistake. Typically, these policies are reasonably priced, and worth the money in the event of a collision.
• Dirt Bikes, ATVs, and Side-by-Sides: Yes, it’s a good idea to insure your dirt bikes and ATVs. The good news is, this type of coverage is often pretty cheap.