Why insure with Southern Insurance Group?
Our customers insure their motorcycle insurance with us because we are a true independent agency that will shop the insurance marketplace for your best rate for your motorcycle policy. With multiple markets to obtain rates through, we can usually find very competitive rates through carriers that specialize in motorcycle insurance in Clermont. How are we different from a captive agency like State Farm or Allstate? Well, most captive agencies have very limited markets if any so your chances of getting the best rate are very slim.
It just stands to reason that shopping with carriers that specialize in a line of insurance will usually bring a more positive outcome than a carrier who doesn’t. We’d like to give you a free tip on getting uninsured motorist coverage on your motorcycle at an affordable price. As you may or may not know, uninsured motorist coverage is a very expensive coverage to add to your policy. Here is the tip. If you own a vehicle change your uninsured motorist to stacked coverage. By doing so, it will carry over to the motorcycle from your car policy. It will cost slightly more to change to stacked coverage on your auto policy; however, it is substantially cheaper than taking out uninsured motorist on your motorcycle policy. With over 24 years experience of offering the best the motorcycle insurance market has to offer, we are humbled by the opportunity to serve you. Please give us a call today!
Does Motorcycle Insurance Cover PIP?
In the state of Florida, personal injury protection(PIP) is not covered under a motorcycle policy. This means that if you take a spill on your bike, you will not have the same PIP coverage that one would have under a standard car policy. PIP is only mandatory with a standard vehicle insurance policy and not a motorcycle policy. so what does one do if they have injuries? You can add medical payments to your motorcycle insurance policy as well as uninsured motorist coverage to protect you from someone who has low limits or no bodily injury coverage.
If you don't carrier either medical payments or uninsured motorist coverage then your injuries will be covered under a personal medical insurance policy. Note that medical payments and uninsured motorist coverage kick in with no deductible, unlike most personal health insurance policies being subject to a deductible as well as coinsurance. you personal medical payment will also have a much higher limit of coverage over obtaining coverage just under your motorcycle policy.
Because of the above most people have a limited amount of medical payments under their Clermont motorcycle insurance policy and secure their uninsured motorist coverage under their car insurance policy as mentioned above by stacking the coverage for uninsured motorist. By doing so, this uninsured motorist coverage will extend over to the bike at a much cheaper rate than if you secured the coverage under the motorcycle policy.
Because Southern Insurance Group has provided motorcycle insurance in Clermont FL as well as throughout the state of FL for the past 24 years, we know the laws and tricks of the trade that will equate to saving our customers money. We will shop your bike through our multiple carriers to find your best pricing and will coordinate your policies to make sure you have the best coverage's at the most affordable pricing.
Here is more information about motorcycle insurance in Clermont
Motorcycles popularity has risen over the past years. This is because more and more people are wanting to travel long distances without the hassle of getting caught in traffic for long hours. Driving in a motorcycle with the feel of the wind against your body on road trips is now as well popular. Motorcycle owners and drivers should be thinking of getting motorcycle insurance once they have purchased their bikes.
Clermont Motorcycle insurance is considered a high-risk insurance. Obviously the dangers and risks in driving a motorcycle are far greater than driving a car. No matter how experienced or careful of a driver you are road accidents still happen. This is one of the reasons why you should have motorcycle insurance. Motorcycles as well have high value in the market which is why these are eye candies to a thief.
In getting a motorcycle insurance in Clermont, don't get too surprised that the insurer or insurance company would ask you many questions. There are any factors that could affect the insurance price on your motorcycle.
- Your age will affect the price. This is because younger drivers are more experimental and risk takers than those who have ripened in age. How you plan to use the bike is also asked. If this is a means of transportation for your commute everyday to and from work this will give the insurance company an idea how much time you spend on the road.
- The more that you are on the road the higher the risk will be. The higher the risks are the higher the insurance plan.
- The type of motorcycle that you have will as well affect the price. The latest the model is the higher that your motorcycle insurance is priced. The area where you go to or where you live is as well asked.
- If you go to areas that have high crime reports or if you live in an area as such then expect that your insurance would cost you a bit more than if you are more in a crime free neighborhood.
The weather looks nice, time to ride
Spring is here – and for you, that means the bike is coming out of the garage. As the days get longer, and the sunshine more reliable, there’s nothing like the winding roads of the foothills, the small highways along the coast, or the country roads across the flats, enjoyed on two wheels with the wind in your face. You can’t wait to trade your stuffy car for the freedom of your motorcycle.
Yeah, you get a bit clunky after four, five months in a car seat instead of in the saddle, but after a couple of road trips, everything falls back into place.
You are a safe rider. You wear your helmet. Leather gear, even in 90 degree weather. You took your Motorcycle Safety course. Granted, that was a few years ago… Should probably renew that one.
Then, there is the insurance. That’s the one… Motorcycle insurance. Who has the money to buy insurance that isn’t even required by law? Who wants to buy insurance with any extra money?
If you own a Motorcycle, it’s important to have the right insurance. To protect yourself. So before you get ready to chase the wind, give us at Southern Insurance Group a ring 352-243-9000. We can provide you with quotes, policy advice, and answers to questions like these:
- Is my motorcycle covered under my auto insurance?
- Why should I buy Motorcycle Insurance if it’s not even required by law?
- The most important coverage on your Motorcycle Insurance policy.
- How can I get a discount on my motorcycle policy?
- What about insurance for mopeds, scooters or ATV’s?
Is my motorcycle covered under my auto insurance?
You have your driver’s license, and just passed your motorcycle license. Finally! You are more than ready to ride with your buddies. Your uncle gave you his old bike, and in many, many hours, you fixed her up and restored her. Now it’s time to take her out.
You never thought much about insurance. In fact, you simply assumed that it’s a motorized vehicle, and therefore covered by your car insurance. Car insurance covers motorized vehicles. Or something… Whatever. It’s motorized, and so your car insurance should cover it. Right?
No! Wrong! Don’t make the mistake to assume that your car insurance will cover your motorcycle, or provide liability coverage if you hurt somebody or damage somebody’s property. Your car insurance will absolutely not extend to your motorcycle. Also, it will not apply for you, if you cause injury or damage while riding your motorcycle.
Your car insurance and your motorcycle are completely separate, and will absolutely not apply for each other.
Don’t make the crucial mistake to assume that your auto policy might protect you. It won’t.
That said, some states offer so-called “Motorcycle Endorsements” that can be added to your auto policy. But beware: These endorsements are usually by far not as comprehensive as a stand-alone motorcycle policy, and they often come with a variety of exclusions in the fine print.
If you own a motorcycle, we strongly recommend that you get a stand-alone motorcycle insurance policy. Give us a call. We can help.
Why should I buy Motorcycle Insurance if it’s not even required by law?
This is it. It’s the bike of your dreams all right! A Harley Davidson Classic Road King. Black Pearl. Chrome details. 1,593cc. You’ve been waiting to get this bike for years… and now she’s about to become yours. You can’t wait to get on and scorch some asphalt.
You hadn’t planned on spending extra money on insurance, though. But now that you’re about to own this baby…. Well, it seems to make sense to protect her properly.
Then again, the odds that a biker is considered at fault in an accident are quite small. So why pay for liability insurance? What does a motorcycle insurance policy cover, anyways?
Congratulations on your new bike! You must be thrilled!
Motorcycle insurance is quite similar to an auto insurance policy. It includes various coverages:
- Bodily Injury / Property Damage Liability Coverage: This coverage applies if you are considered at-fault in causing damage or injury to a third party, up to the limits you select. This can be very important for you, since this coverage helps you protect your own assets.
- Comprehensive / Collision Coverage: This coverage pays for repairs to your bike if it is damaged in an accident, if it’s stolen, or, for example, if it’s damaged or destroyed by a fire.
- Uninsured / Underinsured Motorist Coverage (UM/UIM): If you are in an accident in which the other party is at fault, this coverage will protect you if they don’t have the insurance or resources to pay for your damages and/or injuries that they are legally liable for. That includes medical payments and loss of wages.
- Medical Payments: Medical payments cover the cost of any medical treatment you receive, regardless of who is at fault. This coverage is often limited to the first three years after an accident happened.
- Custom Parts and Equipment: This coverage provides protection for accessories and ‘extras’ to our bike that exceed $1,000 in value, other than those originally included by the manufacturer. It also covers sidecars, trailers that are intended to be pulled by a motorcycle, custom paint jobs, safety riding gear and helmets, and trike conversion kits. Custom parts and equipment are covered up to $1,000 under comprehensive coverage.
- Roadside Assistance: Provides immediate roadside repair services for break-down, dead battery, flat tire, or running out of fuel, and towing.
Even though the odds of being at fault in a multi-vehicle accident are very low for motorcyclists, liability often doesn’t clearly lie with the other party, either. And even though bikers are often the victims when it comes to cycle – car collisions, it doesn’t mean that you don’t need liability insurance. What if you hit a bicyclist or a pedestrian? What if you accidentally scratch a car as you back out of your parking spot?
Motorcycle insurance will help protect you, your bike, as well as your assets in case you ever find yourself in a liability lawsuit. Southern Insurance Group can help you protect almost any type of motorcycle, whether it’s a Dirt Bike or a Street Cruiser, a Vintage bike or a customized high-performance machine. Give us a call!
The most important coverage on your Motorcycle Insurance policy.
Since your buddy Louie lost his leg, you’ve become more apprehensive. On a bike, it’s easy to feel free. Invincible, even. But many car drivers don’t turn to take that extra look. They don’t watch out for anything smaller than their own vehicle. They look for big things.
That’s how Louie got hit. Got swept right out of his lane by a pickup truck, whose driver was too preoccupied texting while passing another car. Luckily, Louie survived… barely. His leg didn’t.
The guy who hit him didn’t have insurance. Louie did. And his insurance helped take care of the medical bills, physical therapy, and the months he was without a paycheck.
Louie’s accident taught all the guys in your group a lesson. Since Louie’s accident, you’ve vowed to become more cycle-smart and get your stuff in order before you take off again. Get motorcycle insurance.
As you shop for your motorcycle insurance policy, keep in mind that cheaper isn’t always better when it comes to insurance. And especially motorcycle insurance policies aren’t always worth the money you pay for them. And you want a policy that protects you when you need it. Cheap coverage usually provides you only with low liability limits, and, what’s worse, with the most important coverage completely missing:
We have reviewed countless policies that did not include Uninsured / Underinsured Motorist (UM/ UIM) coverage. Yet, this is probably the single most important part of a motorcycle policy. (UM/UIM is the coverage that paid for Louie in the example above. Without it, he would have gotten nothing.)
Not having UM/UIM coverage can hurt you quite badly. Here’s why:
As a biker, your risk of being at-fault in an accident is comparatively low. But, your risk of getting hit is relatively high. That’s where your UM/UIM coverage applies.
Your UM/UIM coverage kicks in if you are hit by a driver who doesn’t have the insurance or resources to pay for your injuries, medical payments, loss of wages, and damage to your bike. If the person who hit you doesn’t have the money to pay for the damages they caused you, your own insurance will protect you. But only if you have the right insurance. This is what your UM/UIM coverage does for you.
You cannot buy stand-alone UM/UIM coverage. UM/UIM can only be obtained in combination with liability coverage, and it can only be purchased up to the limits of your liability coverage. You cannot carry low liability limits, but high UM/UIM limits.
Now, don’t get us wrong: We are not saying that liability coverage is not necessary for bikers. Actually, it is very important to have adequate liability limits to protect yourself and your assets if you are at fault in an accident and cause damage to another party.
To sum it all up: You want Motorcycle Insurance so you can protect yourself! Whether that is a liability lawsuit, or an irresponsible driver who hit you. Because a driver who isn’t responsible enough to look for motorcycles on the road might not be responsible enough to carry adequate insurance limits.
Give us a call today 352-243-9000. We can help you find a motorcycle policy that provides you with the protection you need, while giving you the best value for your dollar.
How can I get a discount on my motorcycle policy?
Now, you’ve heard that one can get money-saving discounts on auto insurance (hey, and you even qualify for some!) That makes you wonder… Shouldn’t you be able to get a discount on your motorcycle policy, as well?
Yes you should! And you can! Depending on the company, a variety of discounts are available:
- Claims-Free Discount: If you didn’t have any claims or accidents during the previous policy period, you qualify for this discount when your policy renews.
- Homeowner Discount: If you own your home, you qualify for this discount. Why? Because insurance companies assume that if you own a home, you are a responsible person. Responsible people are responsible drivers (or riders) and deserve a discount.
- Multi-Policy Discount: If you have more than one policy with one company, you may qualify for a multi-policy discount.
- Safe Driver Discount: If you’ve been cruising without accidents or violations for 3 years, you qualify for this discount.
- LoJack Discount: You can save on your motorcycle policy if your bike is equipped with the LoJack tracking system.
- Safety Course Discount: Completing a Safety Course can save your life. And offer you a discount on your motorcycle policy. Sign up for a class today. (To keep the insurance discount active, you have to complete a safety course every three years.)
Some companies might give you a discount if you store your bike in a garage or out of sight, or if you use chains or other Anti-Theft devices to lock it down.
Keep in mind that your insurance rates depend on your bike’s type and brand, its engine size, the level of customization, and the miles driven. A customized street race machine that you use to commute to work will bring you much higher insurance bills than a vintage cruiser that you only use every now and then. As you search for your perfect bike, keep these factors in mind to avoid unpleasant surprises.
Don’t hesitate to give us a call for more information, even before you purchase your bike.
What about insurance for 50 cc gas Scooters?
50cc scooters have an engine capacity that classifies them as small motorcycles or mopeds at the limit between the vehicle category and moped classes. Regulations vary in many countries of the world, when it comes to the right to drive 50cc scooters with or without a driving license and common laws are seldom made. For instance, in some EU countries you can ride such motorcycles without a driving license. The exceptions are France and Italy, where you must have a car driving license to operate vehicles up to 125cc.
There is a fairly high level of legal ambiguity for the definition and classification of scooters and mopeds. Restrictions and licensing fees are a lot smaller for 50cc scooters and they are not legally defined as motorcycles. This definition is applied to vehicles above an engine capacity of 50cc. However, an in-between definition or class has been created by some jurisdictions. Therefore, between 50 and 150cc, vehicles are referred to as motorized bikes.
In other parts of the world, 50cc scooters and above, are described as motorcycles. Therefore, the terms of such a vehicle’s classification vary from state to state and cannot be discussed as if they are interchangeable. Consequently, when you shop for a scooter or you are searching for information, you need to take these details into consideration as well in order to understand everything properly.
Technically, 50cc scooters are among the smallest and best designed on the market. They are very popular because of their low cost, the reduced fuel consumption and the possibility of being used by teenagers and adults alike. They are chic and sporty at the same time, so such a vehicle is considered a trendy alternative to public transport. You can zip around with a scooter or moped, avoiding the challenges of heavy traffic.
Even though they have a rather small cylinder capacity, 50cc scooters have four stroke engines with a high performance for various mobility and transportation uses. However, 50cc scooters share similar features with larger models, because the design lines are frequently kept similar by the various manufacturers. Therefore, there is usually an electric start and a kick start mode, the brakes and exhaust come in competition variants and they all have some form of storage space under the seat. Before buying a small motorcycle like this, you ought to find out something about the certification for registration, the guarantee, the gas consumption and the technical limitations of the particular model you want. However, the same tips are valid for larger designs too.
If you have any questions give us a call and we will help you with setting up a low cost policy for your ATV's, moped, scooter or motorcycle. Just give us a call 352-243-9000.