February 5th, 2010 by The Rider

Where can I find cheap motorcycle insurance in florida?

I am looking to finanace a bike, and need to find some insurance. Most of the quotes I have gotten have been at least $400 a month. I am trying to find something a lot cheaper. Do you have to have full coverage when financing or can you just get basic coverage like collision or something like that?

WOAH! Sounds to me like you’re looking to insure a “crotch rocket”!!

Back up, re-group and reconsider buying a cruiser. Your age and riding experience (ON THE ROAD) count a lot also.

A good rule of thumb is to remember this: the closer you have to get to the horizontal position to ride the bike, the HIGHER your premiums will be! So, the closer you come to an upright riding position, the LOWER your premiums will be.

Yamaha had a program that if you finance LESS than $10,000 – they were NOT requiring physical damage insurance. YOU are STILL responsible for the damage (AND the loan value) if something happens to the bike. You are actually “self insuring” which is the CHEAPEST way to go, but, not always the most economical!

Look around for an independent agent in your area that specializes in bike insurance. In FL, look for the Specialty Insurance Agents logo and you should be able to find someone to help! There are several companies that specialize in or have competitive M/C insurance rates – Progressive, Dairyland, AIG, Foremost, American Modern Home, GMAC (in some States) just to name a few. The is also an internet provider that is something like BIKELINE (sp?)

Good luck, ride RESPONSIBLY and I hope this helps!

Kawasaki ER5 1997 P 5K HPId £1 Start