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12750 SW 128 ST Suite 210
Miami, FL 33186

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I only drive my motorcycle once a year. Do I still need motorcycle insurance?

Even if you don’t drive your motorcycle often, it helps to have protection if you’re in an accident or cause one. Only some states require drivers to carry motorcycle insurance. However, most do. Our Prestige Insurance Group team is committed to helping Miami, FL motorcycle owners get the coverage they need.

What’s Motorcycle Insurance?

Motorcycle insurance can provide coverage for the driver, the motorcycle, and other drivers in the form of liability insurance. It’s designed to protect drivers in the event of an accident by providing liability protection if found at fault, as well as coverage for damage, vandalism, and theft. However, at a minimum, many drivers opt to at least get liability coverage as protection if found at fault for a motorcycle accident. Liability coverage provides medical protection for the other driver if you’re found at fault. It also provides coverage for the repair or replacement of the other driver’s property or vehicle/motorcycle. 

I only drive my motorcycle once a year. Do I still need motorcycle insurance?

Drivers aren’t required to carry motorcycle insurance in the state of Florida. In other words, drivers can legally operate their motorcycles in Florida without any insurance. Although motorcycle insurance isn’t required in the state of Florida, drivers can face heavy fines and are financially required to pay out of pocket for any accidents they may be responsible for.

Drivers also have no liability protection without insurance and can face charges if they cause an accident. At the very least, liability coverage may be a wide investment because it provides coverage for drivers in the event that they cause an accident.

Liability coverage would pay the medical bills of the injured driver if you’re found at fault. Also, liability coverage would pay for the repair or replacement of the other driver’s damaged vehicle, motorcycle, and property. Uninsured drivers can have their license suspended, accrue fines, and lose riding privileges if found at fault for an accident.

Consult With Us

If you have questions about motorcycle insurance, call us at Prestige Insurance Group in Miami, FL. We’d be happy to help you explore your options. 

Three things to do before you purchase motorcycle insurance

If you are a motorcycle owner in Miami, FL, you need to choose a motorcycle insurance policy. There are a few things you should do to get ready to purchase the right policy.

The following are three things to do before you purchase motorcycle insurance:

Familiarize yourself with the various types of motorcycle insurance

You should invest in a few different types of motorcycle insurance coverage so that your policy offers you the financial protection that you need. 

For complete coverage, you should get not only liability and collision coverage but also comprehensive motorcycle insurance coverage. This way, you’ll be protected against liability expenses, collision damages, and damages resulting from theft, fire, and more. 

Contact us at Prestige Insurance Group and get policy quotes

We provide quality coverage at competitive prices while also providing good customer service. 

Research motorcycle insurance discounts for which you may be eligible

Another important thing to do before you purchase a policy is to look into discounts that you might be eligible for. This can help to keep your premium costs down.

Many motorcycle owners out there are eligible for discounts for having a good driving record or for completing motorcycle training courses through their state DMV. It’s also possible to get a discount for paying for your entire policy upfront rather than making monthly payments. 

Get Motorcycle Insurance Today

Get in touch with us today at Prestige Insurance Group in Miami, FL to explore your motorcycle insurance options. We’re here to assist motorcycle owners with meeting their insurance needs. 

A guide to motorcycle insurance coverages

Did you know that you need motorcycle insurance to ride a motorcycle legally in Miami, FL? Ignoring insurance laws can get you into serious trouble and your life in danger too. Motorcyclists are vulnerable to the weather conditions and general environment as they are not well-protected like in standard cars.

That’s why Prestige Insurance Group recommends getting proper motorcycle insurance coverages to protect yourself, your bike and other motorists. Here are a few coverages you should consider.

Bodily injury liability

This coverage helps pay medical bills and other expenses related to injuries to other people. It also pays legal fees associated with the injuries in the event of an accident.

Property damage liability

Property damage liability helps pay property owners who may be affected by an accident you caused. It could be the other driver, a property owner on the road or any other road user. The coverage also pays legal fees in case you’re sued.


Comprehensive coverage is designed to replace or repair your motorcycle in accidents that don’t involve collisions such as theft, fire, weather damage or other natural disasters. If the bike is stolen, the coverage can help replace it with the same model and year.


Collision coverage covers claims related to collisions that damage your motorcycle. Whether you collided with another car, tree, rock, pole or even another bike, the coverage helps repair or replace your bike.

Uninsured/underinsured motorist 

Uninsured and underinsured motorist is critical coverage that helps pay your medical bills or repair your bike if you’re involved in an accident with an uninsured/underinsured motorist.

Medical coverages

This coverage pays your medical expenses if you get into an accident. It also covers your passenger.

Need to buy motorcycle insurance in Miami, FL? Prestige Insurance Group is the company to contact. We have the skills, tools and experience to help you choose the right coverages based on your needs, style and comfort. For quotes and other policy discussions, call to book your appointment today.

Three things to keep in mind when you buy motorcycle insurance

You need to choose an appropriate motorcycle insurance policy if you ride a motorcycle in Miami, FL. We sell motorcycle insurance in Florida at Prestige Insurance Group. 

The following are three things to keep in mind when you buy motorcycle insurance.

You should buy more than minimum liability coverage. 

You’re only legally required to buy minimum liability coverage. However, this isn’t all that you need to buy. Buying only minimum liability coverage really leaves you open to possible financial problems down the road.

Invest in liability coverage that exceeds the minimum coverage requirements. Otherwise, you might find yourself facing bills out of pocket that you can’t afford to pay. 

Coverage for bodily injury is important. 

Riding a motorcycle can be dangerous. If you experience an accident while riding your bike, you might become severely injured. The medical bills could really add up.

It’s important that your motorcycle insurance policy offers coverage for your own medical expenses. Even if you have health insurance, bodily injury coverage is important on any motorcycle insurance policy. 

Many discounts could be available to you. 

If you’re concerned about the expense of motorcycle insurance, you should know that there are many different discounts out there.

You may be eligible for discounts for being an experienced rider. You might also enjoy discounts if you insure numerous vehicles on the same policy or with the same provider. 

Be sure to research discounts if you are looking for ways to bring down your premium costs. 

Buying a reliable and high-quality motorcycle insurance policy is important for riders in Miami, FL. Get in touch with us at Prestige Insurance Group to learn about our motorcycle insurance policy offerings. 

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