Do You Need More Motorcycle Insurance if You Are Under the Age of 18?

When it comes to owning a motorcycle some of the biggest concerns of riders are insurance policies and having the proper amount of coverage. That being said, coverage needs to change based on age, the type of motorcycle you own, and your loan status on the bike. You should take the time to find out just what coverage you need before you start riding. For those that live in or around the Fort Myers, FL area, the agents with SWFL Insurance Agency Inc. can help you find the perfect coverage.

For riders that are under the age of 18, there are some different coverage needs than someone that is over the age of 18 or even that owns other valuable property. Insurance is put in place to protect your physical body as well as your personal property and if you have a bike and a home and are over the age of 18, you may need more coverage to help protect your valuable belongings should you get into an accident where another driver is injured.

As a basic rule, your coverage needs are going to be mainly based on the type of bike you own and on whether or not you have a loan on your bike. You are going to need enough coverage to replace your bike so those that are higher cost are going to need more coverage. Similarly, if you own your bike outright you are going to need less coverage than you would need should you be required to pay back a loan on a wrecked bike.

For those that live in the Fort Myers, FL area, the agents with SWFL Insurance Agency Inc. can help you determine what coverage is right for you each and every time.

4 Must Do’s Before Taking a Motorcycle Road Trip

Road trips are a great way to explore the country during summer. If you’re a motorcycle buff, a summer motorcycle road trip could be the highlight of the season. Before hitting the road this summer, take care of the following must do’s to enjoy your trip to the full.

Plan Your Trip in Advance

A well planned road trip can reduce the risk of problems on the road. Advanced planning includes choosing the right timing, charting great routes and ensuring your bike is in great shape for traveling. You can even take short practice trips to build up your riding endurance and get a feel for being on the road.

Prepare Your Bike

Servicing your bike before a trip reduces the risk of mechanical problems.  You can also adjust the seating or handlebars, if necessary, to make it more comfortable for long distance riding. A windshield will protect you from gusts of wind when traveling down the highway at 70-80 mph. For greater convenience and safety, you could even add cruise control to your ride.

Wear Proper Clothing

You can’t always count on perfect weather when on the road. Having the right clothing can keep you safe from the elements as well as offer greater protection in the event of an accident. This includes a quality helmet with attached windshield, leather jacket with padding, durable pants, motorcycle gloves and proper shoes or boots. Highway riding can get pretty loud – a pair of ear plugs can make your trip a lot quieter.  

Get Insurance Coverage

A good insurance policy will ensure you’re fully covered for any eventuality on the road. At SWFL Insurance Agency Inc. we can provide you with just the coverage you need. Having great insurance coverage will give you greater confidence to enjoy your road trip to the full. 


Ways to Keep Your Motorcycle from being Stolen in Fort Meyers, Florida

Located on the West Coast of Florida, Fort Meyers is an ideal place to own and ride a motorcycle. It will allow you to get around the Fort Meyers area quickly, gets great gas mileage and also enables you to enjoy the perfect Florida weather wherever you ride. Because of this and the fact that Fort Meyers is a relatively big city, there is a real chance thieves may target your motorcycle. Below are some tips for protecting your motorcycle from being stolen in Fort Meyers, Florida.


Parking your motorcycle in a well-lit area will keep thieves from trying to hot-wire and steal it in many cases, as it will leave them fully exposed while they are trying to do so. If there is a security camera nearby, that will be even better and more dissuading to a prospective thief.


A Lo-Jack tracking system or some other type of tracking system will help to alert you and the authorities when your bike has been stolen and give it a better chance of being recovered. This doesn’t mean it will; it just gives you and the authorities a better chance of getting your bike back.


The locks for motorcycles are very difficult to break and require thieves to have a blowtorch to do so effectively. This takes time and tends to draw a lot of attention to them, so the presence of a lock alone usually cause a thief to move on.


Make sure the motorcycle has proper insurance against theft so that you can be reimbursed if someone does manage to steal your bike. Check with a company like the SWFL Insurance Agency, Inc., who serves the Fort Meyers, Florida area for the right motorcycle policy for you.SWFL Insurance Agency, Inc., who serves the Fort Meyers, Florida area for the right motorcycle policy for you.

Dangerous Deer in the Headlights

In Florida, we love our motorcycles. There is a wonderful freedom in jumping on a motorcycle and going for a cruise and going with a group of friends. It feels a bit like flying down the road. It is exhilarating. It is an adrenaline rush. It is also dangerous, especially at night.

When an average person thinks of Florida, they might think of recreational parks and famous attractions. They might consider that the Everglades are full of alligators and maybe some snakes. What they rarely think about is the same terrain that many animals thrive in Florida also creates a very large population of deer.

Deer migrate, especially during the mating season, which lasts from October to January. They run in herds and move about looking for good grazing areas and water. Because Florida is such a vast state, this means there are plenty of areas where deer cross the roads.

Danger to Motorcycles
Hitting a deer at highway speeds in a vehicle does a lot of damage to the car. Most of the time, if the occupants of the vehicle are wearing seat belts and do not swerve, but apply brakes strongly instead, the car is damaged but the occupants usually survive.

With a motorcycle rider, hitting a deer is very different. A buck deer may weigh up to 200 lbs. If you hit a deer on a motorcycle, it is like running into a brick wall. A motorcycle rider flies over the handlebars and goes into the air like shooting out of a cannon. And then, lands head first into the pavement. This is not a pleasant event. Some die. It can happen in an instant.

Safety First
Take it easy when driving on Florida highways that are far for the cities. Expect that a deer may suddenly jump in front and be sure to get motorcycle insurance from SWFL Insurance Agency Inc. in Fort Meyers, Florida because you never know when some surprising thing may happen.

Great Savings on Motorcycle Insurance with Dairyland MC Insurance

                                 Dairyland Motorcycle Insurance can Save you Money   !!!!!

        By Combining Multiple Discounts, Dairyland may be the Best Deal in Florida

Save up to 7% with Dairyland, when your Homeowners policy is provided by SWFL Insurance Agency

Rider Group Discounts for Members of HOG, and some 30 additional groups

Special Discounts for Military Rider Groups, both active and retired.

Outstanding Coverage Features 

Looking for the basics or for a more comprehensive package for things like optional equipment

or custom bodywork? Ask your agent how to build a Dairyland Cycle® policy to suit your needs.

  • Bodily injury with limit combinations up to $500,000 per accident
  • Medical expense limits up to $10,000
  • Physical Damage Plus, which guarantees that all repairs will be made using

Genuine Manufacturer’s parts

  • Excursion Diversion provides up to $1,000 for temporary lodging, transportation, and meals if you have a covered loss 100 miles or more from your home
  • Rental reimbursement with limits up to $45 per day (up to $1,350 per accident)
  • 24-hour Roadside assistance for instances such as battery failure, flat tires, lock-out, fuel or fluid

shortage and more

  • Optional equipment and accessory coverage up to $20,000 for equipment and accessories that are not factory standard, up to $5,000 included at no cost 

Give  Linda or Josh a call at 239-489-1212 or email for a Quick Quote.

You can also request a quote online at 

SWFL Insurance Agency is a Full Service Insurance Agency with answers to all of your Personal and Business Insurance Needs.

 SWFL Insurance Agency , Inc.           239-265-9577   

Located in the College Plaza next to Geraci Travel on corner of Winkler and College Pkwy.