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Del Toro Insurance
July Del Toro Insurance linkedin

One of our Managers at Del Toro Insurance has just joined to our Distinctive Franchise System becoming in the owner of her own business !!! Congratulations on this great partnership!!.

July Del Toro Insurance linkedin

A Friday 12th of wonderful news!! A new franchisee joined our Distinctive Franchise System. The Chilean Community Welcome to the Del Toro family!.

July Del Toro Insurance linkedin

On the eve of July 4, what better news than continuing to expand our Distinctive Franchise System in West Palm Beach. Welcome to the Del Toro family.

June Del Toro Insurance linkedin

Second new franchisee of this blessed Tuesday, join our Distinctive Franchise System. Welcome to the Del Toro family.

June Del Toro Insurance linkedin

Another new franchisee has joined right now to our Distinctive Franchise System. Welcome to the Del Toro family.

June Del Toro Insurance linkedin

Just a few minutes ago, a new franchisee joined our Distinctive Franchise System. The Ecuadorian community welcomes the Del Toro family.

June Del Toro Insurance linkedin

The family continues to grow, minutes ago other new franchisees have just joined our Distinctive Franchise System. Welcome to Del Toro family.

June Del Toro Insurance linkedin

Today, as part of our participation in the Annual Convention of the Florida Association of Insurance Agents (FAIA) held in Orlando, Del Toro Insurance held a seminar this morning to promote the growth of the insurance industry through franchises. Entrepreneurs and business owners participated in the event.

May Del Toro Insurance linkedin

Taking a big step and adding new services, two entrepreneurial businesswomen join our family. Welcome Gordon & Oropeza to Del Toro Insurance family.

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Del Toro Insurance

Fomentando el camino hacia la industria de los seguros

América TV captó todo lo que fue el fórum y la celebración de los 25 años de Del Toro Insurance. Con Del Toro Insurance tienes todo lo que necesitas para estar bien asegurado y además crecer profesionalmente con tu propia franquicia. Si eres emprendedor y quieres asegurar tu futuro empresarial con una marca consolidada!! Esta es tu oportunidad, completa el formulario y uno de nuestros agentes se estará comunicando contigo con todas las dudas que tengas para emprender tu negocio.

Annual Convention of the FAIA
June, 2024

Del Toro Insurance 25th Anniversary

Del Toro is a family business and that has defined much of the path it has traveled to this day. The main reason for starting out in this industry has been to contribute to a community that needs us and with which we feel an eternal commitment. Growth would not have been possible without the support and permanent exchange with our community whom we have tried to serve with immense respect.
On the other hand, we have tried to provide a service that is also deeply rooted in family values because we consider that targeting the well-being of families in a society that is transforming day by day is essential. We have simply delivered transparency, honesty, trust and loyalty, which I believe have really been the key to being able to treasure the preference of our clients over the years.
Time really passes very quickly. We began our journey in a small office located in the west of the county. Today we are a solid company with a commercial presence throughout the state of Florida and an increasingly large group of franchisees who have opted to be part of the Del Toro family, making our business model their own. To our pride, the vast majority have been families that have turned to entrepreneurship and that, today, replicate those values of transparency, honesty, trust and loyalty to their clients.

Your Guide to Purchasing Motorcycle Insurance Online

Your Guide to Purchasing Motorcycle Insurance Online

Mar 01, 2023

Just like car insurance, motorcycle insurance in Florida is an important part of owning a bike. Insurance can help save you thousands of dollars in damages if you are caught in an accident, and with the right insurance plan, you can be fully covered and financially protected when cruising on your motorcycle in the sunshine state. 

With the rise of technology in the last decade, it has become increasingly popular to purchase insurance policies online. Motorcycle insurance is no exception to this convenient way of gaining auto coverage. We created an easy-to-follow guide to buying motorcycle insurance online so that you too can take advantage of the expediency of getting insurance with just the tap of a button. 

What Does Motorcycle Insurance Cover?

Different types of coverage are combined in motorcycle policies, just like they are in car insurance. Standard motorcycle insurance policies include the following types of coverage:

Liability Insurance: If you cause an accident, your liability insurance covers injury and damages to others. However, there is no coverage for you or your property if you are injured or your property is damaged when you use liability insurance. 

Collision Insurance: As the name suggests, damage to your motorcycle caused by a collision is covered by motorcycle collision insurance. The price of motorcycles and the collision rate are highly variable and depend on how much coverage you opt for, your deductible, and your risk profile.

Comprehensive Insurance: Your motorcycle is covered by comprehensive insurance in case of damage caused by events other than collisions, such as fire, theft, or falling tree limbs. A comprehensive policy also covers animal encounters such as a deer run in.

Personal Injury Protection: Personal injury protection or medical payments cover your medical costs if you are injured while riding your bike. Among these two options, personal injury protection provides more assurance because it covers hospital bills and other costs, such as lost wages. 

Under/Uninsured Coverage: Having uninsured/underinsured motorist coverage means you’re covered if you’re in an accident involving a driver who is either underinsured or has no insurance, which protects you from financial liability for vehicle repairs.

Florida’s Minimum Coverage Requirements for Motorcycle Insurance 

Understanding Florida’s minimum coverage requirements are essential when looking for motorcycle insurance. All motorcycle owners in Florida are required to carry liability insurance with the following limits, according to the Florida Office of Insurance Regulation: 

  • $10,000 for property damage 
  • $10,000 for personal injury protection (PIP)
  • $20,000 for bodily injury per individual 
  • $40,000 for bodily injury per accident 

Purchasing motorcycle insurance online is a great way to find all of your coverage needs at affordable rates. Next, we will explore the benefits of getting a motorcycle insurance Florida policy online.

Benefits of Purchasing Insurance Online

Purchasing motorcycle insurance online comes with a magnitude of benefits, one of which is its convenience. By using the internet, you can complete the process of purchasing a policy without having to visit an insurance agent’s office. If you live in a remote area or have a busy schedule, this can save you time and money. Plus, it opens up the possibility of really taking your time when picking out a policy, which leads us to our next point, the benefit of shopping around.

Another benefit of purchasing motorcycle insurance online is the ability to compare policies. Purchasing policies online allows you to compare them side-by-side with different providers. As a result, you can choose the policy that best meets your needs and budget. 

Purchasing your policy online also allows you to customize it to meet your specific needs. The coverage amounts, deductibles, and types of coverage you choose are up to you, plus you can easily get access to free quotes when changing your coverage options. Ultimately, purchasing motorcycle insurance online allows you to customize your policy according to your budget and preferences with flexibility.

Another benefit is that online insurance purchasing is just as secure as purchasing from an agent. Reputable insurance providers use advanced security measures to protect your personal information and ensure secure transactions. Plus, While you may not be able to meet with an agent in person, many insurance providers offer customer support via phone, email, or online chat. You can still receive personalized advice and support when purchasing motorcycle insurance online.

Saving Money by Purchasing Motorcycle Insurance Online

Many insurance companies also offer discounts when you complete an insurance quote using their online site. These discounts can help you lower your premium and ultimately save you money. Most of these savings are automatically applied to your online quote, meaning you never need to reach out to a human agent. 

Brick-and-mortar insurance agencies usually have higher overhead costs than online insurance providers. By offering policies at lower costs, they are able to pass those savings on to their customers. Moreover, you can compare policies and prices from multiple providers with online insurance comparison websites. Insurance providers also offer discounts for online purchases or for bundling multiple policies together, such as auto and motorcycle policies.

Motorcycle insurance online can save you money by offering lower premiums, discounts, and easy comparison tools. Nevertheless, make sure you don’t sacrifice coverage for cost savings. Consider all the factors discussed earlier for the right coverage at an affordable price.

Factors to Consider Before Buying a Motorcycle Insurance Policy

When purchasing a motorcycle insurance policy online, it is important to be mindful of some factors contributing to your overall protection and your premium costs. Here is a breakdown of what to watch for and why:

Coverage limits: You may have a coverage limit that determines how much your insurance company will pay in the event of damages or losses. Ensure that the coverage limits of your policy meet your expectations so you make sure you are financially protected.

Your deductible rate: The deductible is the amount you pay out of pocket before your insurance provider compensates for damages or losses. It is possible to lower your premiums by choosing a higher deductible, but you will have to pay more out of pocket if you need to file a claim. You must pay attention to how much your deductible will be after an accident to avoid financial strain.

Types of coverage: We discussed the difference between liability, collision, and comprehensive insurance. When choosing a policy online, it is essential to consider what you want to be covered and what you legally need to be covered on your motorcycle. 

Exclusions: There may be exclusions in insurance policies that limit coverage for certain circumstances or events, which is why you should carefully read the policy to understand what’s covered and what’s not.

Where and How to Purchase Motorcycle Insurance Online

There are several ways in which you can purchase motorcycle insurance online. The easiest way to get a quote is to visit the websites of insurance providers directly. Comparing policies and prices from multiple insurance providers is also possible through online insurance comparison websites.

Online motorcycle insurance takes varying amounts of time, depending on the insurance provider and your individual needs. Generally, the process of requesting a quote and selecting a policy can be completed in a matter of minutes. 

The insurance provider will present you with a quote or direct you to a page where you can review available policies once you’ve provided the required information. Typically, you will need to provide additional information in order to obtain a policy, including your driver’s license and motorcycle registration number. 

Additionally, some forms may need to be signed and submitted electronically by the insurance provider. A few minutes or several hours may be required to complete the entire motorcycle insurance purchase process online, depending on the provider.

The Bottom Line

Online motorcycle insurance is a convenient and cost-effective option for motorcycle owners to get coverage. In addition to comparing policies and prices from multiple providers, you can buy insurance online from the comfort of your own home and potentially save money. 

While the process of purchasing motorcycle insurance online can be completed quickly, it’s important to allow for potential delays due to additional documentation or the responsiveness of the insurance provider. Remember to also consider all factors when signing up to purchase a policy online; these include coverage options, premium costs, and deductibles.

Del Toro Insurance in South Florida

A motorcycle insurance provider that offers online coverage is Del Toro Insurance. With Del Toro Insurance, you can choose from multiple insurance providers to customize your policy. In addition to liability, collision, and comprehensive coverage, our motorcycle insurance policies offer optional coverage for gear and accessories too. 

If you are interested in purchasing motorcycle insurance, you can visit the Del Toro Insurance website and request a quote online.

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