What You Need to Know About Motorcycle Insurance

If you’re planning on buying a motorcycle, you’re going to need to purchase insurance! Thankfully, we’ve written up some helpful information to get you started. When you’re ready to start browsing for your new motorcycle, feel free to visit our location in Jacksonville, Florida. 

Do You Need Motorcycle Insurance? 

Unless you live in Florida, which is the only U.S. state that doesn’t require motorcycle insurance, you’re going to need insurance to drive your bike legally. The exception to this rule is if you decide to finance your motorcycle. A majority of lenders will require proof of insurance, and may even put stipulations on the amount of coverage required. Regardless of what state you’re in, if you plan to finance your purchase you’ll need motorcycle insurance.

Where Can I Get Motorcycle Insurance?

Finding insurance for alternative vehicles, such as ATVs or scooters, can be quite difficult. Thankfully, this isn’t the case for motorcycle insurance! There are hundreds of options for you to choose from, and we advise calling up companies you already have a policy with to see if they’ll offer you a bundling discount. 

Coverage

In accordance with most state laws, you’re only required to purchase liability insurance to cover bodily harm and property damage in case of an accident. However, different states have different standards for what is considered sufficient liability coverage. This means that it can be more expensive to insure a motorcycle in one state than it is in another. Before you purchase your insurance be sure to check your state’s ordinances. 

We hope that this short guide to motorcycle insurance has proved to be helpful as you prepare to hit the open road with your new vehicle. If you’re located nearby in Orlando or St. Augustine, Florida, we hope you’ll visit us here at Cycles of Jacksonville for all of your motorcycle needs!