Who Has the Best Motorcycle Insurance?

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Make sure you protect your ride.

Here’s how to find the best motorcycle insurance.


Whether you’re new to the #bikelife or you’ve been wearing leathers for years, your bike means a lot to you. That’s why it’s so important to keep it protected.

As with any vehicle, “protection” doesn’t just apply to regular maintenance. Having the right motorcycle insurance coverage is crucial to keeping yourself and others protected on the road.

Which leads you to the question, “Where do I find the best motorcycle insurance for me?”

In this article, we’ll give you the information you need to make decisions to ensure that your ride and your wallet stay protected.


Who Has the Best Motorcycle Insurance?

If you’re like most people, you started your quest for the best motorcycle insurance by looking at all the insurance companies who offer it and narrowing down your options.

However, we recommend you ask a different question instead: How do you define “best”?

It’s like asking for the “best color of the rainbow” or the “best taco place in Orlando.” You’re going to get a different answer depending on who you ask and what context you provide.

For instance, are you looking for something with as much coverage as possible? The lowest deductible? Are you mostly concerned with damage to your bike or injuries to other people? There are too many factors at play for any one insurance company to claim to be the “best.”

Before you can determine who has the best motorcycle insurance (for you, that is), you have to figure out what “the best coverage” means.


What Is the Best Motorcycle Insurance?

Again, that all depends on your individual needs, risk tolerance, and budget.

To help you determine the right motorcycle insurance for your needs, there are a few factors you’ll need to consider.

Coverage Types

Motorcycle insurance is often thought of as a single thing, but it’s actually a compilation of coverage options designed to respond to different types of loss or damage.

Just like car insurance, motorcycle insurance comes in a variety of different types.

Comprehensive & Collision
Bodily Injury Liability
Personal Injury Protection (PIP)
Property Damage Liability
Medical Payments
Uninsured Motorist Coverage
And More

Before you purchase a policy, it’s important to understand each form of coverage so you can make an informed decision regarding your own insurance.

Policy Limits

In addition to the type of coverage, you also need to consider how much coverage you want.

Every insurance policy comes with a policy limit, which is the maximum amount the insurance company will reimburse you for a covered loss for each coverage included.

We consistently see people who purchased policies with low policy limits because they were distracted by the corresponding low premium amount. In most cases, these people later regret their choice of insurance when it comes time to file a claim.

Customer Experience

We’re used to thinking about good customer service when we enter a restaurant or department store, but very few people think about how it affects their insurance experience.

Yet when it comes time to file a claim, you will be grateful for good customer support!

If you’re already dealing with bike repairs, medical appointments, and legal issues, you don’t want to add bad customer service to your list of concerns.


No one wants to pay more for insurance than they need to. But you need to consider your budget against the old adage, “You get what you pay for.”

At Harry Levine Insurance, we recommend that price should be the last thing you consider when deciding on the right insurance policy. Once you’ve determined how much insurance you need, it’s much easier to determine your budget and get the biggest bang for your buck.


How To Find the Best Motorcycle Insurance (For You)

Even after breaking it down, we’re willing to bet that you’re probably even more overwhelmed about motorcycle insurance than when you started.

Fortunately, you only need to follow one step: contact a local independent insurance agent.

Because they aren’t tied to a specific carrier, independent agents can listen to your concerns and shop the market to find policies that address those concerns.

Not only are they familiar with the insurance market as a whole, insurance agents are also aware of which risks you may be vulnerable to due to your location or lifestyle. Working with an independent insurance agent offers better results than buying a policy online—plus, it’s free!



When you look at your motorcycle, you want to think of freedom, not fear. The right motorcycle insurance is the one that brings back the feeling of the wind in your face and the open road before.

As one of Orlando’s top independent insurance agencies for nearly 40 years, Harry Levine Insurance has the resources, knowledge, and experience to assist in guiding you to a motorcycle insurance policy that provides protection where you need and value it most.

Our friendly, knowledgeable agents are more than happy to sit down with you to discuss your needs so we can create a network of coverage that matches your needs as well as your budget.

Contact us today or visit our website for a free quote.

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