Guide to Buying a Motorcycle in Florida

Whether you’re a thrill-seeker looking for your next adrenaline rush or a commuter seeking a more efficient means of transportation, buying a motorcycle can prove to be an exhilarating experience. However, it’s not as simple as strolling into a dealership, pointing to the shiniest bike, and riding off into the sunset. In Florida, there are several crucial factors to consider before hitting the open road. Strap in as we delve into all you need to know about purchasing a motorcycle in the Sunshine State.

What Are Your Needs

Before purchasing a motorcycle, understanding your specific needs and preferences is a key step in the process. Are you someone who’s into high-speed thrills or do envision yourself on long, leisurely rides across the state? The former called for a sports motorcycle, while the latter could mean you prefer a touring motorcycle for comfort over long distances. 

Understanding Florida Motorcycle Laws

Before you hit the open road, it’s vital to familiarize yourself with Florida’s motorcycle laws. These regulations are intended to keep you and other road users safe while maintaining order on the highways. 

Complete a Basic Rider Course

All riders in the state of Florida must acquire a Motorcycle Endorsement on their driver’s license, which involves completing a Basic Rider Course from an approved provider listed by the Florida Department of Highway Safety and Motor Vehicle. This endorsement is a testament to your competency as a rider and knowledge of motorcycle operations. 

Helmet Laws

In terms of helmet laws, Florida operates a partial helmet law. This means that riders over the age of 21 who have at least $10,000 in medical insurance coverage have the option to ride without a helmet. However, we recommend always wearing a helmet to prioritize safety. 

Minimum Insurance Requirements

Florida law mandates that all motorcycle owners must have insurance. The minimum requirements are $10,000 for a single person’s bodily injury, $20,000 for two or more people, and $10,000 per crash for property damage. These laws are vital for every prospective motorcycle owner to understand and adhere to, as they ensure both your safety and compliance with state regulations.

Do Research on Prices

To ensure you’re making the most informed decision possible, you should conduct a diligent price research. Motorcycles are like any other vehicles and can vary significantly in price based on factors such as make, model, year, and condition. New motorcycles come with the latest features and technology, but they typically also come with a heftier price tag. On the other hand, used motorcycles can be the far more affordable option, especially for beginner riders. But used motorcycles might require more maintenance and don’t usually come with a warranty. Check various selling platforms – dealerships,motorcycle-specific websites, and even auctions. 

Purchase Safety Gear

Your safety as a rider should always be your top priority when on a motorcycle, and an essential aspect means investing in the right safety gear. As mentioned above, riders over the age of 21 are not required by law to wear a helmet in Florida if minimum insurance requirements are met. However, irrespective of age or the state’s legal requirement, wearing a helmet is always a wise choice. A proper helmet can significantly reduce the risk of severe head injuries in case of an accident. You should also look into purchasing a sturdy jacket to protect against wind and minor scrapes, gloves to ensure a good grip, and boots to protect your feet. 

Whenever you hit the road on your new motorcycle, it should be a free and fun experience, and Florida Farm Bureau Insurance has you covered with high-quality insurance. Get a fast and free quote today.