Finding the right motorcycle insurance for Southwest Florida

Choosing the right insurance policy for your Fort Myers, FL area motorcycle can be a confusing process and you may find yourself throwing your hands up in frustration, not sure what to do! There’s no need to let the process frustrate you, especially because the team at SWFL Insurance Agency Inc. is here to work with you to help you determine the right motorcycle insurance policy for your needs.

Find the right motorcycle insurance for Southwest Florida

Southwest Florida is a great place to ride, and it’s important that you have the right insurance policy in place before you get onto the back of your bike. There are minimum limits to the amount of insurance that one must carry for their motorcycle, but many bike owners find them insufficient. If you are looking for a comprehensive policy that minimizes the chance that you’ll have significant personal liability, it’s time to talk to a local insurance agent. Many people don’t realize that by taking a policy with low policy limits they are increasing the chance of their policy being maxed out. It is important to remember that when the policy limits are reached due to a covered event, and remaining amounts can become the liability of the owner. 

Comprehensive motorcycle insurance makes a lot of sense for many reasons, it protects you, your bike, and any passengers that you have onboard.

Before you get out on the open road, make sure that you have the protection you need! The team at SWFL Insurance Agency Inc. has the necessary knowledge to help you find the comprehensive motorcycle policy that is right for your needs. If you are in the greater Fort Myers, FL area call or stop by today and learn more about the available motorcycle insurance options!

Motorcycle Insurance: Why a Basic Policy May Not Be Enough

Many motorcycle owners in the greater Fort Myers, FL area are content with collision damage or other basic insurance coverage for their motorcycles. At the SWFL Insurance Agency Inc., we recommend comprehensive motorcycle insurance for our clients for many reasons. If you are a seasoned motorcycle owner who would like to upgrade your policy, or are just getting into the joys of motorcycle ownership and need your initial policy, our team is here to help. Comprehensive coverage can help protect you from damage to your motorcycle as well as coverage in the event of injury to yourself or your passenger.

Basic Motorcycle Policies May Not Provide the Coverage You Need

There are many bike owners who are content with the bare minimum when it comes to insurance. However, there are many more comprehensive policies that are available in Florida, and it’s worth spending the time and effort to find out more about them. Collision insurance can help you to replace or repair your bike in the event that it is damaged or stolen, but what if you are in an accident that causes injury to yourself or the other party? There are also situations where your bike can cause damage to another person’s property and you can be held liable. Don’t be caught with inadequate insurance that can cause you to be financially responsible for any loss. With comprehensive insurance, you can protect yourself, your passengers, and your financial assets. 

Find out more about the options that are available for motorcycle insurance in the greater Fort Myers, FL area. The team at SWFL Insurance Agency Inc. are here to provide you with the guidance you need in order to make an informed decision about the right motorcycle policy for your needs.

What Kind of Motorcycle Insurance Should I Get

For those that in the Fort Myers, FL area, nothing is better than spending a day out in the sun on your very own motorcycle. If you own a motorcycle, the first thing that you need to do is make sure that it is properly covered by insurance. There are several tips that should be followed that will help you to pick the right insurance policy for your situation.

Consider Liability Laws

When you are looking for a new policy for your motorcycle coverage, the first thing you need to think about is what your liability requirements are. In Florida, all motorcycle drivers need to have minimum liability coverage of at least $10,000 for personal property and bodily injury coverage of at least $10,000 per person with a $20,000 per incident cap.

Lender Requirements

When you are going to get motorcycle insurance, you should also make sure that you are in compliance with your lender. If you took out a lease or loan to get your motorcycle, you will need to make sure you comply with all insurance requirements in the loan or lease agreement. The majority of the time, your lender will require that you have collision and comprehensive coverage in place.

Personal Needs

While certain types of coverage may not be required for you, it is still important to consider your personal needs. You should consider not only the type of coverage you need but the level of coverage as well. This will ensure you have the right type and amount of coverage. 

If you are in the Fort Myers, FL area and own a motorcycle, you should contact the SWFL Insurance Agency Inc. When you meet with the team at SWFL Insurance Agency Inc. you will learn far more about your motorcycle insurance needs and options. The team will also help to make sure that you get into a good policy that provides you with the necessary protection.

3 Thing to Know About Motorcycle Insurance

Riding a motorcycle can be one of life’s pleasures. Out on the open road with the warm wind blowing and the sun shining down, it is easy to forget troubles and just enjoy the day. But riders also need to take the time to protect themselves, and to be sure they are doing all the right things to keep them from getting hurt on the road. If they do happen to be in an accident, they want to know that they have good coverage. That’s where SWFL Insurance Agency Inc. in Fort Myers, FL comes in. Here are three things the agency thinks riders should know about motorcycle insurance.

1. Insuring a motorcycle typically costs far less than insuring a car, truck, or SUV.

2. Not all states require a motorcycle to be insured, but Florida does.

3. Anyone wanting to get motorcycle insurance must also be properly and legally licensed.

Riders who work with SWFL Insurance Agency Inc. can get plenty of information about the right kinds of insurance for a motorcycle rider to have. It is important to have trusted professionals and knowledgeable agents on their side, and that can give them the best chance to get the policy that is perfect for them. Not all policies are the same, and not all companies provide the same value, either.

In Fort Myers, FL there are options, but the best choice is the one that consumers do not really have to think about. They know they can trust their agent and the company to do what is right for them, and give them the best possible advice on what insurance they really need to enjoy their motorcycle to the fullest. Then all they need to do is get out on the open road in the sunshine and have a good time.

Three Things to Consider Before Buying Your First Motorcycle

Living in Fort Myers, FL, there are ample incentives to get a motorcycle. Southern Florida is home to many great routes and stretches of enjoyable open road. If you’re ready to turn this dream into a reality, there are a few things you need to know before you start spending money. SWFL Insurance Agency Inc. wants to see you succeed, so here are the three biggest things you need to consider before making that first purchase.


Sure, you’ve likely looked at bike prices. That’s hardly the whole story. Besides the motorcycle itself, you need to consider the cost of insurance, custom equipment and changes to the bike, maintenance (which is substantially different from car maintenance) and riding gear. All of it together can change your bike cost by as much as thousands of dollars, depending on your tastes and choices, and it needs to be a part of the budget.


If this is your first bike, there’s a good chance your riding experience is limited. A riding instruction/safety course can go a long way to helping you stay safe on the road. There’s a reason motorcycles are notoriously dangerous after all. The Motorcycle Safety Foundation offers driving courses across the country, and similar groups might be in the Fort Myers, FL area. You can shop around. There is one truth that universally unites bikers: the road is dangerous and you need to be prepared.

The Bikes

Lastly, you need to know about the motorcycles themselves. Shopping for a car is matter of matching prices and preferences. Motorcycles are more involved. For starters, do you know what engine size and weight you can handle? It doesn’t matter how well you control the bike. If it’s too heavy, you can’t pick it up. Beyond that, what type of riding do you want to do? Cruisers, touring bikes, sport bikes and standard bikes all offer substantially different riding experiences. You can’t have it all with a single motorcycle, so you need to have riding goals in mind before you go shopping.

When you know what bike you want, talk with a representative at SWFL Insurance Agency Inc. They’ll make sure you have the right coverage for your new bike.

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.