With so much beautiful scenery available, it’s no wonder that South Florida residents often opt to ride motorcycles. With a nice breeze and sunny skies, Florida can make for the perfect place to ride. But riding motorcycles comes with risks. Motorcycles generally have less protection than cars and riders are overall more likely to die in a crash than car occupants. Ezzi Insurance Advisors is here to make sure you can focus on the road knowing that you have reliable insurance in case of an accident.
What Does Motorcycle Insurance Cover?
A basic motorcycle insurance policy typically includes:
- General Liability: General liability includes coverage for bodily injury or property damage due to an accident you cause.
- Guest Passenger Liability: Specific to motorcycles and similar motor vehicles, guest passenger liability pays for your passenger’s bodily injuries and may protect against claims if your passenger is injured on your vehicle.
- Motorcycle Collision: Collision coverage helps pay for repairs to your motorcycle after a collision with another vehicle.
- Comprehensive Coverage: Comprehensive coverage helps pay for repairs to your motorcycle after damaged caused by means other than a collision such as theft or vandalism.
- Customized Motorcycle Parts Coverage: You can add on extra insurance if you have expensive customized parts on your motorcycle. Be sure to add them to your policy, otherwise your basic insurance policy likely won’t cover them if they’re lost or damaged.
- Uninsured/Underinsured Motorist Coverage: UM provides coverage for damages done to your or your property by a driver who doesn’t have enough insurance or doesn’t have any.Trust that our motorcycle insurance here at Ezzi Insurance Advisors will protect your finances should there be untoward incidents and damages. The insurance policies we have for you are made so you can save money. We have flexible payment options and a number of discounts that you can qualify for.
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Frequently Asked Motorcycle Insurance Questions
Where can I get the cheapest motorcycle insurance policy?
You’d be surprised at how affordable motorcycle insurance policies are. Get a free quote to know how much you will spend on a policy that suits your needs. Keep in mind, however, that the cheaper your policy is, the lesser your coverage you will have. It’s important to weigh the benefits and risks first before deciding which policy to buy.
I’m a first-time motorcycle driver. How much will my insurance be?
If you have no experience with motorcycles yet, you may be categorized as high risk. The brand of your motorcycle, year, model, and its condition will be among the determinants of the cost of your insurance. And of course, it will also depend on the amount of coverage you wish to have.
Why do women get cheaper motorcycle insurance rates than men?
Based on surveys and reports, women are less accident-prone than men. That is why their motorcycle insurance rates are cheaper. However, we also consider many factors — like age, driving history, brand, model, location, and etc — when you get a quote. The best way for you to get a low rate on your premiums is to own a safe and reliable bike, as well as to maintain a clean driving history.
