WD Royal Insurance: Your Trusted Independent Insurance Agency For Insurance Coverage Options in Florida

---

To properly insure your motorcycle and off-road vehicles, you need separate policies from standard auto or home insurance, as these vehicles face unique risks. Coverage needs and requirements will depend on where and how you ride. 

 This insurance is for bikes used on public roads and is required in most states. 

• Liability coverage: The minimum legal requirement in most places. It pays for bodily injury and property damage you cause to others in an at-fault accident, including legal expenses if you are sued.
• Comprehensive: Pays for damage to your bike from incidents other than a collision, including theft, vandalism, fire, or weather damage. This is often required by a lender if you are financing your motorcycle.
• Collision: Covers repairs or replacement of your motorcycle if it is damaged in an accident with another vehicle or object, regardless of who is at fault. This is also often required by a lender.
• Medical payments (MedPay) or Personal Injury Protection (PIP): Covers medical expenses for you and your passengers, regardless of who is at fault.
• Optional or added equipment: Covers upgrades or custom equipment on your motorcycle, such as chrome parts, saddlebags, and custom paint.
• Roadside assistance and towing: Provides assistance for a tow, jump start, or other similar services if you are stranded.
• Total loss coverage for a new motorcycle: Pays the full manufacturer's suggested retail price for a new bike if your new or nearly-new motorcycle is totaled.

Factors that influence cost

The cost of motorcycle insurance varies based on several personal and vehicle-related factors. 

• Riding history: A clean driving record with no accidents or claims will result in lower premiums.
• Type of bike: Sport or superbikes typically have higher premiums than cruisers or smaller commuter bikes because they are seen as higher risk.
• Age and location: Younger, less experienced riders may pay more, as will riders in locations with higher rates of theft or accidents.
• Coverage selection: The amount and type of coverage you choose directly impacts your cost. Choosing higher liability limits and adding optional coverage will increase your premium.

How to save on motorcycle insurance

 Many insurers offer discounts that can lower your premium. 

• Take a safety course: Completing a course, such as one from the Motorcycle Safety Foundation, can result in a discount.
• Bundle policies: Insuring both your motorcycle and car with the same company can earn a discount.
• Choose a higher deductible: Opting for a higher deductible on comprehensive and collision coverage can lower your premium.
• Install an anti-theft device: Some insurers offer discounts for bikes with installed anti-theft measures.
• Consider "lay-up" policies: Some companies offer seasonal adjustments that can reduce your premium during months when you don't ride.

How to get motorcycle insurance

1. Assess your needs: Determine what types of coverage you want beyond the state minimum. Consider whether you need comprehensive and collision coverage, especially if your bike is financed.
2. Compare quotes: We will compare rates and coverage options from several companies, to find the best policy for your needs and budget.
3. Provide required information: Be prepared to provide details about yourself (age, riding history), your bike (make, model, VIN), and your desired coverages.
4. Review the policy: Once you receive your quotes, carefully review the policy details to ensure you understand your coverage limits, exclusions, and payment options.

 ORV insurance covers vehicles like dirt bikes, ATVs, UTVs, and side-by-sides. While not always legally required for private land use, it is mandatory in many parks and trails and is necessary if you ride on public roads.

Common off-road coverages

• Liability coverage: As with motorcycle insurance, this covers damage or injury you cause to others.
• Collision coverage: Covers damage to your own ORV if you collide with another object.
• Comprehensive coverage: Protects against theft, vandalism, fire, and weather-related damage.
• Medical payments: Covers medical bills for you and your passengers if injured in an accident, regardless of who is at fault.
• Custom parts and accessories coverage: A specialty coverage for aftermarket parts and modifications.
• Coverage for gear: Can cover riding gear, such as helmets and other apparel, that is damaged in a covered loss.

 Considerations for all riders

• Bundling: Insurance companies like Progressive and Polaris offer insurance bundles for motorcycles, ATVs, and other vehicles, which may result in discounts.
• Where you ride: If you ride a dirt bike on both off-road trails and public streets, you must have street-legal modifications and the proper insurance.
• Financing: If you have a loan for your vehicle, the lender will likely require comprehensive and collision coverage.
• Discounts: Many providers offer discounts for safety courses, which can lower your premium.