GreatFlorida Insurance - Bill Sullivan - Tampa Insurance

Motorcycle Insurance Quotes in Tampa, FL

Bill Sullivan, Agent


5322 Primrose Lake Circle - Suite I
Tampa, FL  33647
Fax : 813-994-3433

5.0 of 5 stars - ‎14 reviews
Now loading ...
GreatFlorida Insurance Homeowners Auto Agency in Tampa
Contact your local Agent
Call : 813-994-1143 or

Motorcycle Insurance TampaMotorcycle Insurance

Ideal weather and scenic views make Tampa an exceptional place to ride motorcycles. GreatFlorida Insurance wants every biker to enjoy the adventure of riding whether you are an enthusiast or a novice. Being out on the open road in Tampa can leave you exposed to bad weather conditions and drivers not watching for cyclists. GreatFlorida Insurance can offer you an affordable motorcycle policy to protect you and your ride in Tampa.

Do you need Motorcycle Insurance?

YES! It's as critical as wearing a helmet.

Motorcyclists know there's risk involved every time they hop on their bikes, but that doesn't stop them from revving up their engines to feel the wind on their face and the rush of a good ride.

In addition to protective gear like helmets, there are precautions that you can take with you on every ride. You'll never even know they're there—that is, until you need them.

A strong Tampa Motorcycle Insurance policy is not an option that should be overlooked. That's why GreatFlorida Insurance provides motorcycle policies that give you the true freedom to ride.

A GreatFlorida Motorcycle Insurance Agent in Tampa is ready to help you find the best deal. Get a free quote today by calling 813-994-1143 or completing our online quote request form.

What is included in my motorcycle insurance coverage?

  • Bodily injury liability coverage: When you're involved in an accident, the first thoughts you have undoubtedly involve assessing if you're injured followed by wondering if the other person (people) involved are injured.

    If you do injure or kill someone or if you need projection in a lawsuit against you, this type of coverage will protect you.

    What do you need? A GreatFlorida Insurance Agent in Tampa will work with you to choose the level of limits of protection that best suits your needs.

  • Collision coverage: Accidents may cause damage to your motorcycle. Regardless of whether that damage is your fault or not, you will be protected when you have collision coverage included in your policy.

  • Accessories coverage: Most comprehensive policies include coverage for your accessories. When this type of damage occurs (including damage to your helmet), this coverage will pay it.

  • Comprehensive physical damage coverage: Sometimes damage occurs from something other than an accident, such as theft or vandalism. GreatFlorida Insurance can provide policies that cover these damages too.

  • Unisured/underinsured motorists coverage: Unfortunately, not everyone carries motorcycle insurance. When you are hit by someone who doesn't carry insurance, you'll still be projected when you have uninsured/underinsured motorists coverage in your policy.

Do I need motorcycle insurance under Florida law?

Florida law does not require motorcycle insurance. However, if you are charged with an accident that causes injuries, you will be required to obtain insurance (if there was no prior policy in place).

What types of medical coverage exist?

Choose between medical payments, no-fault or personal injury protection coverage for you and your passengers.

What types of motorcycles are covered?

GreatFlorida Insurance can create a custom policy for you regardless of the type of bike you ride. From moped insurance to scooter insurance to trike insurance to dirt bike insurance to motocross insurance, Harley-Davidson Insurance, there is a policy to fit every biker's needs.

How can I get started building my custom policy?

GreatFlorida Insurance makes it easy to create your custom motorcycle insurance policy.

Call 813-994-1143 or complete our online quote request form. A GreatFlorida Motorcycle Insurance Agent in Tampa will help you find the best deal for you.

Get a Quote Online
Call 813-994-1143
Florida Motorcycle  Insurance Blog
by GreatFlorida Insurance

Self-storage is a $38 billion a year industry. According to Sparefoot, an online source for self-storage information, over nine percent of households rent a self-storage unit. While Floridians spend an average of $88.68 a month on storage unit rent.

The Self-Storage Association reports half of all units are rented for a year. Many people find storage units a temporary solution during a move or while in transition. “A lack of attics and basements in Florida homes might leave you short on storage space,” says Ellsworth Buck, Vice President of Great Florida Insurance, Florida’s largest independent homeowners insurance agency.

However, not all storage rentals are temporary. 30 percent rent for two years or more. Of longer term renters, fifty percent are simply storing what does not fit in their home.  And others have sentimental items they emotionally cannot deal with. While some are storing items they no longer need or even want. Often, long term self-storage renters forget what is in the storage unit.

Whether you appreciate your self-storage unit or loathe it, make sure your items are insured. Before renting a storage unit, contact your insurance agent or review your homeowners insurance or renters insurance. Your homeowners insurance or renters insurance policy may protect your items in storage.

“When you sign up to rent a storage unit, the self-storage company may try to sell you insurance, but chances are you already covered,” says Ellsworth Buck, Vice President of Great Florida Insurance, Florida’s top independent homeowners insurance agency.

Check if your policy covers items that are stored at an alternate location other than your home. While a renters insurance policy or homeowners policy will cover your belongings, it might not cover them as fully as the ones kept in your home.

Stored belongings might only be covered by a small percentage. A homeowners insurance or renters insurance policy usually protects personal property up to 10 percent of the amount of coverage in your policy.

Exclusions your homeowners or renters policy might not cover include flood or water damage, mold and mildew as well as losses incurred from the failure to maintain the unit properly, which is the responsibility of the storage company.

If you are storing a valuable collection, you might require a personal liability or umbrella policy for additional coverage and peace of mind.  If you plan to keep a vehicle, motorcycle or ATV, you will most likely require separate auto insurance.

To properly safeguard your things selecting a storage facility to suit you and your belongings. Make sure to look for the following when shopping for a unit.

Gated facilities

24/7 security camera

Keypad access or a lock with short arms resistant to bolt cutters

Inspect the unit for pests or leaks before renting.

Choose a climate controlled unit that will protect against mold and mildew.

Do an inventory of what you have in storage along with the estimated value of each item and a picture.

The post Self-storage, a blessing or a curse? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

The Florida Highway Patrol reports recently, that an elderly man was driving the wrong way on a Florida highway in an RV. The RV struck a truck head on, killing the truck driver and passenger. Three days later, the RV driver also passed from his injuries. Not only was the senior driver driving the wrong way, his lights were not on at the time of the crash. 29 days before the accident, he passed a driving test in his home state of Michigan.

After hearing a tragic story like this, it’s tempting to set age restrictions on a driver’s license. “Keep in mind, people age at differing rates,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s leading independent auto insurance agency. One 75-year-old can barely get out of bed in the morning, while another person the same age, does yoga and goes for a run.

A decline in vision, cognitive functioning (the ability to reason and remember), physical limitations along with medical conditions and prescription medication can hinder the ability to drive. The most common condition the Department of Motor Vehicles (DMV) decides to restrict a license is for failing cognitive skills including memory, coordination and flexibility.

Although, more options are available for aging drivers. “Driver programs and car innovations are readily available to meet the challenges of senior drivers,” said Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

For example, The Florida Department of Highway Safety and Motor Vehicles (DHSMV), has developed the Florida GrandDriver program for aging drivers. It is an education and outreach initiative that provides information and resources on driving safely and how to plan for safe transitioning from driving. Also, Driver Rehabilitation Specialists offer refresher courses to keep driving skills sharp.

While it is important for senior drivers to maintain their driving independence, eventually elderly drivers and their family must have the difficult conversation about when driving capabilities are beginning to diminish and causing potential danger for others on the road and themselves. Consumer Reports found safety is the biggest motivator for handing over the keys.

How do you know it is time to have that awkward discussion with your loved one? AARP, has some warning signs that indicate a person should begin to limit or stop driving.

Delayed response to unexpected situations.

Becoming easily distracted while driving.

Decrease in confidence while driving.

Having difficulty moving into or maintaining the correct lane of traffic.

Hitting curbs when making right turns or backing up.

Getting scrapes or dents on car, garage or mailbox.

Having frequent close calls.

Driving too fast or too slow for road conditions.

The DHSMV requires that Florida drivers age 80 or older who renew their license undergo a basic vision test.


The post Too old to drive? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Across the country hearts are heavy, grieving the tragic school shooting in Parkland, Florida. “These tragedies impact our communities-our parents, our children, our school professionals, our first responders-the mental health of our whole country,” reminds the professionals with the National Alliance on Mental Illness.

“Even if someone is not involved directly traumatic events, especially within our state, burden our hearts and minds,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent health insurance provider.

Many people experience sadness, anxiety or anger. Some have trouble sleeping and difficulty concentrating. Their minds are dominated by the details of the event. These symptoms typically decrease over time.

Effective and healthy ways to cope during this time include:

Talking to your children about the incident, discuss how it makes them feel.

Limit news and social media exposure. Continuous exposure causes a person to relive the trauma. Also, descriptions and images in the media can cause fear in kids going to school.

Maintain your normal routine.

Connect with people in positive ways. Talk with people and take the time to listen to others. Tell people you care about that you love them.

“Doing something for others can help you channel stressful feelings,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent health insurance provider.

However, the National Institute of Mental Health (NIMH), points out that in some cases the anxiety will continue and interfere with everyday life. For people who continue to experience the effects of trauma, it is important to get professional help. Signs to look for include the following:

  • Worrying a lot or feeling very anxious, sad or fearful
  • Crying often
  • Having trouble thinking clearly
  • Having frightening thoughts
  • Feeling angry
  • Having nightmares or difficulty sleeping
  • Avoiding places or people that bring back disturbing memories and responses.

Our world seems to be experiencing tragedy and stress on a more frequent basis. Be sure to slow down and be kind to yourself as well as others.

The post Coping with tragedy appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

“Cell phones are no longer just phones, but so much more,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance agency.

They store our calendars and photos, provide access to our favorite stores and emails. Checking our cell phones on a regular basis has become a habit for many. However, the lure of instant information is an unhealthy attachment and cell phone addiction is real.

A poll conducted by the non-profit, Common Sense Media found 50 percent of teens feel like they are addicted to their mobile devices, with 78 percent admitting to checking their devices at least hourly. Nevertheless, this is not only a teen problem. The study reports 27 percent of adults feel they are addicted to their mobile devices with 69 percent checking them at least hourly.

What is wrong with a cell phone habit?

Countless studies show too much time on your cell phone is bad for your focus and mental health. “Most people check their phone every 15 minutes or less, even if they have no alerts or notifications,” Larry Rosen a psychology professor and author of The Distracted Mind, tells CNBC. “We’ve built up this layer of anxiety surrounding our use of technology, that if we don’t check it as often as we think we should, we’re missing out.”

Additional health issues that can develop from cell phone addiction include, poor posture which affects your spine respiratory functions and even emotions. Also, sleep. The blue light emitted from your phone can stop melatonin production in your body. Melatonin is the hormone that makes us feel sleepy and regulates out circadian rhythm. Sleep is essential to our health, especially the health of teens who are still developing.

“Aside from health and mental health problems, cell phone use continues when many drivers get behind the wheel,” reminds Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s top independent auto insurance agency.

Nearly half of adults in the U.S. admit to reading or sending a text while driving. Almost one in three teens ages 16 to 17-years-old said they have texted while driving.

How to ween yourself and your family?

Below are some tips on how to disconnect from your cell phone.

Do not sleep with your phone. If you need an alarm clock, buy one. Do not depend on your phone. Place it away from your nightstand or bed.

Stop alert notifications. Designate a time to check in and stick to it.

Utilize the “Do Not Disturb” setting on your iPhone or place your phone to the airplane setting for a break from screen time.

When spending time with your friends and family, put it away so you won’t see it or hear it.

Try a detox. Set aside a weekend or holiday where you turn the phone off and put it away. Do not pick it up for a couple of days.

The post Cell Phone Addiction appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

Most people do not look forward to filing taxes, especially with a new tax law in place for the first time in decades. Those changes can induce confusion and stress. This will be the last year for several tax credits as well as the beginning to benefit from some new ones.

Several tax credits are eliminated for the 2018 tax year. However, they are still available for your 2017 tax return.  “This will be the last year to take advantage of some deductions, so it’s important not to miss out on them,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent homeowners insurance agency.

Investing information company, The Motley Fool, reports this will be the last year to take advantage of the following tax breaks.

Personal exemptions

Property tax deductions

Mortgage interest deduction on home equity loans

Moving expenses

Unreimbursed employee expenses

Tax preparation fees

Investment-related legal and accounting fees

Job search costs

While several tax breaks will expire after this year, there are new ones are available for this year’s returns. “This year is unique with overlapping changes, so make sure your taxes are filed correctly, to avoid overpaying the IRS,” warns Buck Vice President of GreatFlorida Insurance, Florida’s top independent homeowners insurance agency. Error rates for returns filed on paper are at 21 percent, while error rates for those filed electronically are less than one percent.

Some changes in tax deductions and credits are listed below.

Tax brackets expand. According to personal finance resource, GOBankingRates, “the federal income tax system uses a progressive tax structure, meaning that as you earn more income, your tax rate goes up as well.”

The Standard deduction, will experience a slight increase.

Health savings account– an increase to the contribution limit.

Earned income tax credit– the maximum income you can have while still qualifying for the EITC increased for each filing status. Also, you can have up to $3, 450 of investment income annually while still qualifying for the EITC.

Retirement savings credit-there is an increase in income limits.

Increased employer-paid parking or transit tax breaks

If you are looking for affordable and reliable homeowners insurance, give GreatFlorida Insurance a call.

The post Changes this tax season appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

An appeal of Florida’s current No-Fault/Personal Injury Protection(PIP) system for auto insurance, is gaining momentum this legislative session. The Florida House voted 88-15 to repeal the State’s PIP system.

“For some time, Florida lawmakers have argued over eliminating PIP and replacing it with a fault-based system,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent auto insurance company.

Under House Bill (HB19) drivers would be required to purchase bodily-injury liability coverage at $25,000 per person and $50,000 per accident. According to a 2016 actuarial study commissioned by the Florida Office of Insurance Regulation, drivers could save up to $81 per vehicle.

“While the House and Senate both look to eliminate No-Fault auto insurance coverage the version of their proposed bills are quite different,” says Buck with GreatFlorida Insurance, Florida’s top independent auto insurance company.

The Senate proposal (SB 150) would replace the PIP system in 2019 requiring all drivers to carry bodily injury coverage of $20,000 per person and $40,000 per accident as well as mandatory medical payment coverage(MedPay), of $5,000. Coverage would increase to $30,000 per person and $60,000 per accident after three years. Under the Senate bill, Florida drivers could see and increase or decrease depending on the area they live. Opponents of the Senate bill are concerned about the cost increase to drivers. They also believe requiring mandatory medical payments is unnecessary for those with current health insurance plans.

No-Fault auto insurance was designed to reduce litigation across the state by creating money for anyone injured in a crash. Unfortunately, it created a flood of lawsuits which lawmakers hope to eradicate with the repeal. Since Florida’s adoption of a No-Fault system, fraudulent claims have cost the state a tremendous amount of money. In a report from The Division of Insurance Fraud, they found a 275% increase in fraud auto claims between 2007-2012. In 2012, duplicitous auto claims cost the state over $1 billion, driving the cost of insurance premiums higher for Florida drivers.

The post Big changes to Florida auto insurance? appeared first on The GreatFlorida Insurance Blog.

by GreatFlorida Insurance

The fall beckons riders to come out and explore Florida’s scenic roads on their bikes. With cooler, less humid temperatures, sightseeing is more comfortable. You can select beautiful rides up and down the coastline or go for a curvy, wooded ride on less crowded backroads.

“If you are in the market for a new motorcycle this is a tempting time of year to make a purchase,” says Ellsworth Buck, Vice President of GreatFlorida Insurance, Florida’s largest independent motorcycle insurance agency.

In the event that you are looking for a new ride or just an enthusiast, each year Motorcyclist, complies a list of their top picks in motorcycles. Winners are based on the quality and performance of hardware, technological advancements, shifts in the industry, new genres of bikes, products and companies, as well as motorcycling as a whole. Below is their list of 2016 winners.

Motorcycle of the Year-Triumph Street Twin

A successful redesign has updated this bike making it modern while maintaining its authenticity. This is also a top pick from Popular Mechanics for its stronger engine and improved chassis. A wonderful entry level street bike with an affordable price of $8,700 fully equipped. Light and agile making it easy to manage.

Sportbike-Yamaha YZF-R1

The Yamaha was, “Picked for its sweet handling and ease of ride.” While it might not be the most powerful, Motorcyclist calls it a, “technological marvel” with the most advanced electronics available. The Yamaha is easy to ride, provides excellent handling, offers lots of adjustability, with an easy to use interface.

ADV Bike– BMW R1200GS Adventuretriumph_moty_1000x600_01

Notably a big bike, sporting a 35- inch seat height and weighing 593 pounds with a full tank. Despite the heavy weight, it offers good aerodynamics, light handing, impressive breaks and an electronically adjustable suspension. Also, a particularly excellent U-turn radius in the tightest of space.

Sport Touring Bike– BMW R1200RT

Luxury and comfort. The BMW has relaxing ergonomics, a big dashboard, an adjustable 32-inch high saddle, a low center of gravity and a slim mid-section making it easy to reach the pavement. Also included is an electronically adjustable windshield, suspension and power locks along with heated passenger accommodations.

Touring Bike-Indian Roadmaster

Motorcyclist notes the Roadmaster is defined by its, refined brakes and suspension.  Not holding out on features, it also has a strong engine and classic American styling.

Best Cruiser-Harley Davidson Low Rider S

Also chosen as a top 2016 bike by Cycle World, “It has great brakes, a magnificently strong 110ci V-twin, ultra-fine-shifting six-speed gearbox, and rubber engine mounts that let that rich thump reach your body and soul in just the right amount.”

Best Bang for Your Buck– Yamaha F207

This is considered a great bike for beginners and experts. A good value with an MSRP$6,990. 400 pounds with a full tank, it has 66 horsepower and 45 pound-feet of torque.

“Getting a good deal on a bike certainly helps with replacement costs but it should never keep you from getting adequate motorcycle insurance,” says Buck with GreatFlorida Insurance. “You want to protect your bike and also yourself.”

Other winners chosen by Motorcyclist include:

Naked Bike-KTM 1290 Super Duke R, for its volume of power.

Dual Sport-Husqvarna 701 Enduro, it adequately handles the dirt and street although a little heavy.

Dreambike– Honda RC213V-S, limited availability and a price tag of around $200,000 this 215 horsepower bike is just street legal.

GreatFlorida Insurance provides motorcycle insurance for all bikes, give us a call today.


The post Best Motorcycles of 2016 appeared first on The GreatFlorida Insurance Blog.