Motorcycle Insurance

No matter what type of motorcycle you ride, we have the perfect insurance policy for you.

What Does Motorcycle Insurance Cover?

In general, your motorcycle insurance policy will cover the following:

Your motorcycle: In case of an accident, your insurance company will help pay to repair or replace your bike.
Other people: If you injure someone or damage their property in an accident, your liability coverage will help pay for their expenses.
Medical expenses: If you’re injured in an accident, your medical payments or personal injury protection coverage will help pay for your treatment.

Of course, every policy is different, and you’ll need to read yours carefully to understand what exactly is covered. You may also want additional coverage, called endorsements, to your policy to get the protection you need.

Types of Motorcycle Insurance

There are three main types of motorcycle insurance: liability, collision, and comprehensive. Let’s take a closer look at each one.

Liability Insurance

It covers damages to third parties if you are found at fault for an accident. This type of insurance is required by law in most states, and it’s a good idea, even if it’s unnecessary. Depending on your state, the minimum liability insurance required may not be enough to cover the cost of damages if you’re involved in a serious accident.

Collision Insurance

It covers damage to your motorcycle if you are involved in an accident, regardless of who is at fault. This type of insurance is not required by law, but it’s a good idea if you have a loan or lease on your motorcycle. Collision insurance will pay to repair or replace your motorcycle up to the actual cash value of the motorcycle, less any applicable deductible.

Comprehensive Insurance

It covers damages to your motorcycle from causes other than an accident, such as theft, vandalism, or weather damage. Like collision insurance, comprehensive insurance is not required by law, but it may be required if you have a loan or lease on your motorcycle. Comprehensive insurance will pay to repair or replace your motorcycle up to the actual cash value of the motorcycle, less any applicable deductible.

Frequently Asked Questions

Q: How do you process motorcycle insurance?

A: We process motorcycle insurance through our online quoting system. After you have submitted your information, we will provide you with a quote within minutes. You can then choose to purchase your policy online or over the phone.

Q: Do I need to insure my motorcycle?

A: In most states, it is required by law to have some form of motorcycle insurance. Even if it isn’t needed, it’s still a good idea to have coverage in case of an accident.

Q: Is it worth getting full coverage on a motorcycle?

A: Whether or not full coverage is worth it depends on a few factors, such as the value of your motorcycle, your driving history, and the amount of coverage you feel comfortable with. Ultimately, it’s up to you to decide how much coverage you need.

Q: How much does motorcycle insurance cost per year?

A: The cost of motorcycle insurance varies depending on a number of factors, such as the type of motorcycle you have, your driving history, and the amount of coverage you choose.

Q: Is insurance cheaper if you own a motorcycle?

A: Insurance rates for motorcycles are typically cheaper than those for cars. This is because motorcycles are less expensive to repair or replace than cars and are less likely to be involved in an accident.

Q: Why is motorcycle insurance so cheap?

A: Motorcycle insurance is cheaper than car insurance for a few reasons. First, motorcycles are less expensive to repair or replace than cars. Second, they are also less likely to be involved in an accident. Finally, motorcycle riders are typically more experienced and cautious than drivers of other vehicles.

Why Choose Us

Term Brokers Insurance Services

Get a free quote for your Motorcycle Policy

What Is Motorcycle Insurance?

Motorcycle insurance covers your motorcycle, property damage, and personal injury. It’s important to have this type of insurance to protect yourself in case of an accident. Term Brokers Insurance Services offers many motorcycle insurance policies to choose from to fit your needs.

Why Do I Need Motorcycle Insurance?

Motorcycle insurance is necessary to protect yourself financially in case of an accident, even if you’re a careful rider. It covers damages caused by you or another driver involved in the accident.

Reach Us Now

Are you seeking a reliable and affordable motorcycle insurance policy in Florida? If so, you’ve come to the right place. At Term Brokers Insurance Services, we understand the importance of protecting your home and belongings, and we’re here to help you find the perfect policy for your needs. Contact us today at 850-864-2000 to learn more!