Motorcycle Insurance in Florida: Volusia and Flagler Counties

Riding a motorcycle along A1A or through the backroads of Daytona, Ormond Beach, or Palm Coast is a thrill like no other. But protecting yourself and your bike is essential. At O’Quinn Insurance, we can help riders in Volusia and Flagler counties find coverage that fits their lifestyle and budget.

Why Motorcycle Insurance in Florida Matters

Motorcycles don’t offer the same protection as cars. Even the safest rider faces risks from inattentive drivers, sudden weather, or road hazards. Having the right motorcycle insurance in Florida can protect you financially if an accident happens.

Coverage Options Every Rider Should Know

• Liability Coverage
  

  Covers injuries you cause to others in an accident. Without it, you could face lawsuits or have to pay out of pocket.

• Comprehensive & Collision
  

  Comprehensive covers damage from theft, vandalism, fire, or falling objects. Collision covers repairs if you hit another vehicle or object. Both keep you from facing large repair bills on your own.

• Uninsured/Underinsured Motorist
  

  Pays if you’re hit by someone with little or no insurance. Many drivers in Florida don’t carry enough insurance to cover an at-fault accident. This coverage protects you from paying medical or repair costs by yourself. Some auto insurance policies extend this coverage to your motorcycle, but not always. Ask us to check your policies so we can help you understand your options.

• Accessory Coverage
  

  Covers custom parts like chrome upgrades, aftermarket exhausts, saddlebags, or special seats. These additions often aren’t included in standard policies. Without this coverage, you risk losing thousands in upgrades if your bike is damaged or stolen.

• Carried Contents Coverage
  

  Some carriers offer coverage for personal items you carry on your bike, like your phone, camping gear, or tools. This protects valuables that could be damaged or stolen while you ride. Coverage varies by carrier, so check with us to learn what’s available for your policy.

• Towing & Labor Coverage
  

  Pays to tow your motorcycle or cover on-site labor if your bike breaks down or is in an accident. Motorcycles often need specialized transport. This coverage can save you from unexpected, costly tow bills. Some carriers also offer trip interruption coverage, which can help pay for lodging up to a certain monetary amount if you’re stranded far from home due to a covered breakdown.

Motorcycle Insurance for Daytona Bikers

Our area draws riders from across the country each year for events like Bike Week and Biketoberfest. Local roads are busy, and your bike deserves coverage from an agency that knows the unique needs of Florida riders. At O’Quinn Insurance, we represent top motorcycle insurance carriers, including Progressive, National General, and Safeco, giving you options to customize your policy.

Why Choose O’Quinn Insurance

For over 40 years, we’ve served riders in Daytona Beach, Ormond Beach, Palm Coast, and beyond. As an independent agency, we can compare rates and coverages from multiple carriers to find you the best value. We understand the local roads, events, and risks you face as a rider.

Ready to Ride Protected?

Contact O’Quinn Insurance today at 386-200-9534 for a free quote on your motorcycle insurance. Let our team help you hit the road with peace of mind.