May 16, 2018

What classic cars qualify for coverage?

May 16, 2018

We cover all kinds of classic cars, trucks and other vehicles, including antiques autos, collector and vintage cars, some modified and newer vehicles (sometimes called “modern classics” or “future classics”), in addition to motorcycles and many different kinds of specialty vehicles.

Featured

Jul 30, 2018

Florida Motorcycle Insurance

Jul 30, 2018

Car Insurance vs. Motorcycle Insurance

In many states, car insurance laws and motorcycle insurance laws are the same, but in Florida there are big differences between the two types of laws. Most importantly, Florida car drivers must have Personal Injury Protection (PIP), which covers medical bills and lost wages, regardless of who is at fault for an accident. PIP insurance laws do not apply to motorcycles. Some insurance companies may offer PIP insurance for motorcycles that is similar to PIP insurance for cars, but that insurance is not regulated by Florida law because PIP is not required for motorcycles. Also, after a motorcycle accident, a person does not need to show a permanent injury to recover money for pain and suffering, unlike an injury resulting from a car accident.

Get Motorcycle Insurance

Generally, there are two ways to obtain motorcycle insurance in Florida:

Buy coverage from an insurance carrier licensed to do business in Florida (this is the most common way to get insurance);
Get a Self-Insurance Certificate from the Bureau of Financial Responsibility based on net worth.

Jul 30, 2018

Jul 12, 2018

Auto Insurance Companies in Florida

Jul 12, 2018

With so many options available to drivers searching for auto insurance, selecting a company and a policy in Florida can be tough. We've reviewed the top insurance companies in Florida, based on written premiums, and highlighted what makes each company different.

Rank Auto Insurance Company
1 GEICO $4.0 billion Read More
2 State Farm $2.8 billion Read More
3 Progressive $2.6 billion Read More
4 Allstate $1.9 billion Read More
5 USAA $1.2 billion Read More
6 Liberty Mutual $0.6 billion Read More
7 Infinity $0.4 billion Read More
8 Travelers $0.4 billion Read More
9 Farmers $0.4 billion Read More
10 AmTrust Financial $0.4 billion Read More

Jul 12, 2018

Jun 25, 2018

Florida Vehicle Insurance Questions and Answers

Jun 25, 2018

I am registering a vehicle for the first time in Florida. Is automobile insurance mandatory?

Yes. If you own a vehicle with at least four wheels and are registering it, you must have Florida insurance.

What type of insurance is required to purchase and maintain a Florida license plate and registration?

Florida's minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida license plate.

What is "Personal Injury Protection" (PIP) insurance?

Also called Florida No Fault Insurance, Personal Injury Protection (PIP) Insurance covers you - regardless of fault (i.e. whether or not you cause the crash) - up to the limits of your policy. Your PIP will also cover your child, members of your household, certain passengers who lack PIP Insurance as long as they do not own a vehicle. People riding in your vehicle who carry PIP will receive coverage under their own PIP for their injuries, and certain licensed drivers who drive your vehicle with your permission. PIP also covers your child if he or she suffers an injury while riding on a school bus. PIP coverage protects you while in someone else's vehicle, as a pedestrian, or bicyclist if you suffer an injury in a crash involving a motor vehicle. The Florida Motor Vehicle No-Fault Law, requires all owner/registrants of a motor vehicle with four wheels or more to carry a minimum of $10,000 of Personal Injury Protection (PIP) and $10,000 of property damage liability (PDL) if you own a motor vehicle in Florida. Florida law requires you to maintain PIP/PDL insurance continuously throughout the licensing and registration period.

Jun 25, 2018

Apr 17, 2018

All you need to know about Florida Motorcycle Insurance

Apr 17, 2018

INSURANCE REQUIREMENTS

Before you buy a motorcycle insurance you better contact a licensed insurance agent who will explain you the process and the requirements as well.

No Fault Law

Incidents where no bodily injuries occurred are covered by No-fault insurance, which includes:

$10,000 per person/crash in personal injury protection.
$10,000 per crash in property damage liability.

Financial Responsibility Law

Below you will see the state’s minimum liability coverage requirements for private passenger vehicles:

$10,000 for one person in bodily injury liability.
$20,000 for two or more people in bodily injury liability.
$10,000 per crash in property damage liability.
$30,000 in combined single limits.

Apr 17, 2018

Mar 7, 2018

Florida Motorcycle Insurance

Mar 7, 2018

If you want to get your adrenaline boiling in the Panhandle or turn your inner road warrior loose in the Keys, hopping on a motorcycle might be your cup of tea. Before you do, however, you have to plan for your safety — and that's where motorcycle insurance comes in.

If you live in the Sunshine State, check out our guide to the benefits you can enjoy when you get a Florida motorcycle insurance quote and cover your bike with us.

Motorcycle Insurance Discounts in Florida

When you insure your bike with Esurance, you could qualify for some of these stellar savings.

Multi-Vehicle discount

Save 15 to 35 percent on your premium for insuring more than one ride with us.

Association discount

You qualify when you sign up with preferred rider organizations, like Harley Owners Group or Honda Riders Club of America.

Multi-Policy discount

Entrust your car and motorcycle policies to us and save on both. Discount amount will vary.

Mar 7, 2018

Feb 21, 2018

Motorcycle Insurance Minimum Requirements in Florida

Feb 21, 2018

Florida has some of the most unique car insurance laws among the states. However, while most states' motorcycle insurance laws mirror their car insurance laws, Florida is an exception.

Read more to learn about Florida's motorcycle insurance requirements.

Ways to Establish Financial Responsibility

If you own a motorcycle or moped and want―or need―to establish financial responsibility for it, you might be able to choose one of the following methods:

Purchase liability coverage from an insurance carrier licensed to do business in Florida. This is the most common way to establish financial responsibility for any vehicle.

Feb 21, 2018

Feb 1, 2018

What is "Personal Injury Protection" (PIP) insurance?

Feb 1, 2018

Jan 10, 2018

The Best Florida Auto Insurance Companies

Jan 10, 2018

Florida requires you to buy the least auto insurance of any state in the nation, which might sound like a great deal for its drivers. But having less coverage always means you carry more risk, and that’s especially true in the Sunshine State, for several reasons. For starters, Florida is one of a dozen states with “no-fault” insurance laws, meaning that each driver’s insurance pays for his or her own damages after an accident. This means that even if you cause a crash, your policy covers medical expenses for yourself and your passengers — but only up to the limits you set. If you’re not at fault, you can potentially sue the other driver for damages beyond what your insurance covers, but given that more than a quarter of Florida motorists are uninsured, it’s not certain how much you’ll be able to recover. Comprehensive insurance, which covers non-accident claims, is also a smart idea in a state that ranks fourth nationally in insurance losses from disasters like hurricanes. The bottom line is that purchasing only Florida’s state minimums leaves you open to financial headaches at best, and a devastating financial hit at worst.

Florida Minimum Liability

Florida only requires that you buy two types of auto insurance. The first is personal injury protection (PIP), which automatically pays for up to 80 percent of the medical expenses for you and your passengers after a crash, regardless of who was at fault. PIP also covers 100 percent of “replacement services,” should you or your passengers need help with daily household tasks because of your injuries, and 60 percent of your wage losses if you’re unable to work. The second type of required insurance is property damage (PD) liability coverage, which pays for damages to other people’s property if you’re the one at fault. The minimum levels can be expressed in the shorthand 10/20/10, which means the following:

Jan 10, 2018

Do You Need Motorcycle Insurance?

Jan 10, 2018

The majority of states in the U.S. require riders to have a motorcycle insurance policy. Two states – Florida, Washington – do not require it, although there are some exceptions in Florida. If you live in a state that does not require motorcycle insurance, you should still purchase a policy. Motorcycle insurance protects owners from incurring major costs that could be financially devastating.

Motorcycle Insurance Requirements by State

Almost all states in the U.S. require owners to have motorcycle insurance and they must show proof of insurance to register their motorcycle. You have to register your motorcycle to get a license plate, otherwise you will be driving illegally, and that cost might be significant. Depending on the state a rider lives in and their policy, the cost of their premiums might be well above or below the average in the U.S.

Out of 50 states, motorcycle insurance is required in 47 of them but not every state requires the same amount of coverage. Each has its own minimum requirements for bodily injury and property damage liability -- the amount a policyholder's motorcycle insurance company will cover. In most states, motorcyclists have at least $25,000 in bodily injury protection per person and $50,000 per accident, as well as $10,000 in property damage coverage. The three limits are commonly displayed with slashes: (25/50/10).

Jan 10, 2018

Oct 18, 2017

Handling Dangerous Motorcycle Situations

Oct 18, 2017

Tips for dangerous motorcycling situations

Passing and being passed

As you prepare to pass other vehicles, leave lots of space and give them ample time to see your turn signal. Double- and triple-check the passing lane to make sure it's clear. Once you're in the passing lane, move through the other driver's blind spots as quickly as you can (since you'll be difficult to spot) while staying under the speed limit.

When being passed by others, stay in the center of your lane to help avoid their blind spots. Also be on the lookout for motorcycle-specific hazards:

Large mirrors that could graze you
Debris tossed out of windows (rude, but it happens)
Wind gusts caused by passing cars

Driving through intersections

Approach intersections with your headlight on (no matter the time of day) and in the most visible lane position (usually near the middle of the road). As you proceed through the intersection, be ready to brake suddenly if needed.

Oct 18, 2017

What classic cars qualify for coverage?

I am registering a vehicle for the first time in Florida. Is automobile insurance mandatory?

What type of insurance is required to purchase and maintain a Florida license plate and registration?

What is "Personal Injury Protection" (PIP) insurance?

INSURANCE REQUIREMENTS

No Fault Law

Financial Responsibility Law

Motorcycle Insurance Discounts in Florida

Multi-Vehicle discount

Association discount

Multi-Policy discount

Ways to Establish Financial Responsibility

Florida Minimum Liability

Motorcycle Insurance Requirements by State

Tips for dangerous motorcycling situations

Passing and being passed

Driving through intersections

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