Florida Motorcycle Insurance Information
The value of good motorcycle insurance often doesn't become apparent until you really need it. Whether
it's a minor fender bender or a more substantial accident, it pays to have Florida motorcycle insurance
coverage you can count on.
Let our experienced Florida Motorcycle Insurance policy specialist explain the different Liability limits,
Comprehensive, Collision, Uninsured Motorist, Medical coverages, and deductibles that are
available for you to choose from. We offer affordable motorcycle insurance policies from a leader in the
insurance industry. This means stable premiums and none of those 15% increases after the first year.
Learn more about Florida Motorcycle Insurance
policy coverage options below!
Does Wearing a Helmet Decrease My Motorcycle Insurance Premium

Wearing a motorcycle helmet reduces the cost of medical treatment, length of hospital stay and probability of
long-term disability. This was the conclusion in a recent study by the Centers for Disease Control (CDC)
pertaining to riders injured in a motorcycle crash. The National Highway Traffic Safety Administration (NHTSA)
basically agreed with the CDC by saying that non-helmeted riders have higher health care costs as a result of
brain injuries.

Unfortunately, raising the cost of motorcycle costs for everyone is that an un-helmeted rider is more likely to be
uninsured; and only about half of injured riders carry separate health insurance coverage.
Will Florida Motorcycle Insurance Be Expensive

As with auto and boat insurance, what type of motorcycle you drive and how safely you drive it are important
factors that affect your Florida motorcycle insurance cost. The most important factors in determining your
policy costs are listed below.

The factors of you:
+ Your age - a young rider is more of a risk than a middle aged one
+ Your riding experience - a new rider is more at risk than a seasoned one
+ Your driving record - how many tickets
+ Your location - an urban area is more of a risk than a county or rural area.
+ Your accident record - same as above, it builds a picture of your 'risk rating'
+ Your occupation - a rock musician can be expected to have a different 'risk rating' compared to a teacher

The factors of your motorcycle:
+ A larger 1000cc racebike replica would attract a higher risk rating than a 250cc scooter
+ Modifications or tuning - tells the insurance company that this is not a normal motorycle risk
+ Value - a motorcycle worth $20,000 will be more than one you bought at a yard sale for $200
+ Age of Bike - a 10 year old standard is less risk than a new sportbike
+ Location - safer if parked at night in your garage, and therefore less risk than if it's on the street in a
downtown area
Click on the link below to fill out a secure quote request form for a Florida Motorcycle Insurance policy that
will provide excellent motorcycle insurance coverage at an affordable cost. Or speak with our Florida
Motorcycle Insurance specialist at 772-287-1560 to discuss the insurance policy features in more detail.
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of a motorcycle
insurance policy. This is not required in Florida unless you displayed a financial
irresponsibility following an accident. The minimum bodily liability insurance coverage
available for purchase in Florida is 10/20 and is explained in detail below. However, we
recommend that you choose motorcycle liability insurance coverage amounts that are
much higher than the minimums listed below. Contact us at 772-287-1560 to discuss what
liability coverage amounts you require to meet your family and personal needs.
Florida Liability Coverage limits explanation:
10/20/10 10=$10,000 - 20=$20,000 - 10=$10,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a motorcycle,
car, fence, or house, is covered through property damage motorcycle insurance
coverage. The minimum coverage amount in Florida is $10,000.
Medical payments coverage pays for the medical and funeral expenses for you or others
hurt or killed in an accident while riding on or driving your motorcycle. Claims against this
coverage include all reasonable hospital, surgical, chiropractor, X-ray, dental, professional
nursing, prosthetic, and funeral expenses. It will also cover you or members of your family
if you are hit by a car when you are walking or if you are riding on another motorcycle. This
coverage will pay for your medical and funeral expenses even if you cause the accident.
The coverage is often limited to medical care you get in the first one, two, or three years
after the accident and is limited to a specific dollar amount. This is not a required
Motorcycle Insurance coverage in Florida.
20/40 20=$20,000 - 40=$40,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident.
Covers damage caused to the owners motorcycle from a collision caused
by another vehicle or other object. The deductible is the amount you choose
to pay upfront (if any) before the motorcycle insurance policy pays. The
higher the deductible you choose, the lower the collision coverage cost
within the Florida Motorcycle Insurance policy.
Florida Motorcycle Insurance FAQ
Covers damage caused to the insured's motorcycle (your motorcycle) from risks such
as theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil unrest.
The deductible is the amount you choose to pay upfront (if any) before the motorcycle
insurance policy pays. The higher the deductible chosen the lower the comprehensive
coverage cost within the Florida Motorcycle Insurance policy.
Florida Motorcycle Insurance FAQ
Florida Motorcycle Insurance FAQ
Florida Motorcycle Insurance FAQ
Example of uninsured motorist limits:
Florida Motorcycle Insurance FAQ
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or an at-fault
driver who has no auto or motorcycle liability insurance. This is not a required coverage for
Motorcycle Insurance in Florida. Contact us at 772-287-1560 to discuss what uninsured
coverage amounts you require to meet your family and personal needs.
This coverage comes into play when an at-fault driver has auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your
damages.
Protects you if your motorcycle is damaged in an accident caused by a driver
who has insufficient auto or motorcycle insurance coverage. This coverage
pays the difference between the coverage limit you select and the other
driver's property damage coverage limit. This is not a required coverage in
Florida.
This type of motorcycle insurance coverage pays for your medical expenses,
lost wages, and other damages when you or your passengers are injured in
an accident caused by a driver who has insufficient auto or motorcycle
insurance coverage. The motorcycle insurance coverage typically pays the
difference between the coverage limit you select and the other driver's bodily
injury coverage limit. This is not a required motorcycle insurance coverage in
Florida.
Underinsured Motorist Bodily Injury Coverage
Underinsured Motorist Property Damage Coverage
Florida Motorcycle Insurance FAQ
Click on the link below to fill out a secure quote request form for a Florida
Motorcycle Insurance policy that will provide excellent motorcycle insurance
coverage at an affordable cost. Or you can speak with our Florida Motorcycle
Insurance agent specialist at 772-287-1560 to discuss the policy features.
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**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
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Florida Insurance Agency Website Builder InsuranceWebsiteServices.com
INSURANCE AGENCY
Proudly Serving South Florida Since 1992
AGRILLO
Agrillo Insurance Agency
49 SW Monterey Road
Stuart, Florida 34994
Martin County, FL
(772) 287-1560
Fax: (772) 287-1950

___________________________________________________
Florida Motorcycle Insurance Solutions!
772-287-1560
772-287-1950 fax
Agrillo Insurance Agency of Stuart, Florida
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We are a Martin County, FL insurance agency, offering affordable Florida motorcycle
insurance in the following south Florida cities and counties: Stuart, Port St. Lucie, Golden
Gate, Coral Gardens, River Park, Sewall's Point, Indian River Estates, White City, Palm
City, North River Shores, Port Salerno, Jensen Beach, Hobe Sound, Jupiter, Limestone
Creek, Jupiter Farms, Port Sewall, Walton, Fort Pierce South, Ankona, Arundel, Fort
Pierce, Juno Beach, West St. Lucie, Fort Pierce North, Cabana Colony, St. Lucie Village,
Juno Ridge, Palm Beach Gardens, St. Lucie, Vero Beach, Gifford, Indian River Shores,
Indrion, Oslo, Eldred, White City, Lakewood Park, Riomar, Wabasso, Sebastian,
Indiantown, Tequesta, North Palm Beach, Riviera Beach, Haverhill, West Palm Beach,
Boynton Beach, Lantana, Hypoluxo, Palm Beach, Lake Worth, South Palm Beach,
Loxahatchee, Greenacres, Jupiter Island, Boca Raton, Palm Beach Shores, Lake Park, St.
Lucie County, Indian River County, and Palm Beach County, FL. We also offer Florida
motorcycle insurance services throughout the state of Florida, including in the greater Fort
Lauderdale, Miami, FL area.