Insuring the Sunshine State Bike by Bike

Motorcycle Insurance Miami Beach (FL)

Assuming you’re after motorcycle insurance in Miami Beach, we will help. With the financial climate, everyone would like to lower their expenses. Riding a motorcycle should not be an extravagance, yet overpriced premiums are able to make it feel this way. Don’t fret. We let you do a comparison of rates from reputable insurance providers…using the web.

Motorcycle Insurance Laws: Florida

Riders in the Sunshine State don’t necessarily need to carry a policy that costs a ton. Under the law, only motorcycle liability coverage is required. Liability insurance protects you for covered losses up to your liability limit if you injure someone, or damage someone’s property, in a car or other accident. Your liability insurance must meet or surpass specific minimum caps for bodily harm to others and damages to others’ property.

  • For Injuries to a Single Individual: $10,000
  • For Injury to Two or More Parties: $20,000
  • For Property Damage: $10,000

Trying to decide the amount of coverage to get? Yes, less coverage equals cheaper motorcycle insurance. But less coverage will mean higher risks that your insurance payout will not cover your total healthcare costs if you injure or are injured by another motorist. Bear in mind that the cost of health care and personal property often increases at a rate faster than state liability levels are changed.