Get an Affordable Motorcycle Insurance Policy In Miami

Enjoy the Roads of Miami and Beyond With a Motorcycle Insurance Policy.

Protect Yourself, Your Bike, And Others

Miami and the surrounding areas are known for their beautiful roads and amazing scenery. One of the best ways to enjoy the sites and the mild weather is on the back of a motorcycle. 

Many people fail to get a separate insurance policy for their bike believing that their auto insurance policy covers it. That’s not the case. Ensure you’re protected against unforeseen circumstances with a comprehensive motorcycle insurance policy in Miami. 

The insurance experts at Caley Insurance are here to help. Contact us to request a quote for motorcycle insurance. 

What’s Motorcycle Insurance?

A motorcycle insurance policy covers damages to yourself and your bike. Without a motorcycle insurance policy, you’d have to pay these costs out of your pocket. 

Those who ride motorcycles are at higher risk for personal injuries than those driving a car, truck, or SUV. Motorcycle insurance also doesn’t cover passengers on your bike. You’ll have to purchase an additional coverage policy if you want to cover passengers. 

Is Motorcycle Insurance Required in Florida?

Having a motorcycle insurance policy isn’t mandatory in Florida. While you’ll have to register your bike with the DMV, you won’t need to provide them with proof of insurance. 

Even though it isn’t a requirement, without motorcycle insurance, you’re taking on the financial burden if you get into an accident. You’ll have to pay for the following:

  • Your medical costs
  • Repairs to your bike
  • Replacement of your bike

You might also be responsible for medical bills or damages for another person, depending on the accident. 

What’s Included in Motorcycle Coverage?

Motorcycle insurance policies tend to cover the same things. You can purchase specialty coverage policies, like for your accessories, passengers, or emergency roadside assistance. 

Liability Insurance 

Motorcycle liability insurance covers property damage and bodily injury that you might cause to another person. It doesn’t cover damage to your bike or your injuries. 

Motorcycle Collision Insurance 

This insurance covers damage to your bike if you get into an accident with another car. The insurance company will cover the cost of repairs or replacement, minus your deductible. 

Comprehensive Coverage

A comprehensive coverage policy covers damages caused by another type of event. These can include:

  • Vandalism 
  • Theft
  • Fire

Underinsured/Uninsured Motorist Coverage

This insurance policy pays for damages caused by another driver. This driver typically doesn’t have enough insurance or insurance at all. 

How Much Does Motorcycle Insurance Cost?

The cost of your motorcycle insurance policy depends on various factors. They include:

  • Style or type of bike you own
  • Your address, age, and driving record
  • The age of the bike
  • Where your bike is stored 
  • The number of miles you drive a year

At Caley Insurance, we work tirelessly to get you the best rates possible.