Motorcycle Insurance

When it comes to motorcycle insurance, the TexasQuotes offers top quality coverage at affordable rates. Texas bikers need only to log onto state vehicle registration websites to ensure that they meet licensing requirements for motorcycles intended for on-road use; then begin surfing the Web for motorcycle insurance agents in their area to get free quotes and compare coverage options.
Types of Motorcycle Insurance Coverage: Similar to automobile policies, motorcycle insurance covers liability, bodily injury, comprehensive physical damage, collision, property damage, and personal injury claims. The difference between buying auto and motorcycle insurance is that bikers can expect higher rates than car drivers because motorcycles are likely to incur more damage more frequently than autos. While rates might be higher, Texas motorcycle insurance provides cyclists extensive coverage for fire damage, theft, vandalism, and severe weather. Policies also cover damage due to missile or flying objects and rocks, animals running into the bike, or bikers inadvertently hitting animals. Roadside assistance and replacement for custom parts and equipment is also a plus for Texas bikers looking for a bargain. Make sure your motorcycle insurance policy includes roadside assistance. The worse scenario is being stranded on a dirt road in the middle of nowhere with a flat tire or mechanical failure. Roadside service provides emergency assistance and towing to help get you back on the road and on to your destination.
The Benefits of Bike Ownership in Texas: Riding a bike in the second largest state in America offers a myriad of travel opportunities that won’t break the bank. Unlike touring in a gas-guzzling automobile, bikers can travel across the state from the Balcones Fault and the Alamo, to the scenic mountains of Big Bend and the glitzy lights of Houston, Dallas and San Antonio on a relatively low budget. Grab a friend and view the prairies, forests, and deserts and traverse the vast plains and rough and tumble hills of Texas on a tank of gas. When it comes to sightseeing, camping, or touring in Texas, nothing beats a bike ride. But if you’re going to be on the road, you will need motorcycle insurance.
Types of Insurable Motorcycles: Motorcycles come in three different categories: street bikes, off-the-road, and dual purpose. Regardless of whether you have a Harley, Yamaha, Suzuki or Honda, if it is a street bike or a dual purpose cycle it must be insured. Off-the-road and antique bikes that are garaged do not require motorcycle insurance. Sport bikes that are designed for speed and acceleration are considered high risk vehicles and may cost more to insure; while touring bikes and cruisers—both used for long distance travel or commuting—may be insured at a lower rate.
How to Apply for Texas Motorcycle Insurance: Before your bike is street legal, state requirements must be met. In Texas, residents are required to register their on-the-road bike, take a safety training course and pass a motorcycle skills test before obtaining a license. Contact the Texas Department of Motor Vehicles (TxDMV) to register your bike prior to applying for a license and obtaining motorcycle insurance. Texas residents can either shop online or visit a local brick and mortar insurance agency to get quotes and compare rates. The beauty of shopping online for motorcycle insurance is that you can visit as many agency websites as you like from the comfort of home. Type the words “motorcycle insurance” into your favorite search engine to get immediate access to dozens of state agencies. Most sites will ask for your zip code so that agents in your area can contact you. To get more information on motorcycle insurance, log onto: www.helpinsure.com or Texas Department of Insurance (www.tidi.texas.gov) to make sure that you are in compliance with state regulations.
How to Choose a Good Motorcycle Insurance Company: Before signing on the dotted line for motorcycle insurance, do your homework. The agency with the lowest quote might not be the best choice because you really do get what you pay for. Choose a company that has a good reputation, a good consumer rating and a history of taking care of policyholders and resolving claims. Surf the Internet and log onto company websites to research how long they have been in business and how many claims have been handled. The Texas Department of Insurance has a list of the top 40 insurers in the state, a good place to begin your search for a reputable and affordable agency. Your local Better Business Bureau will also have a record of consumer complaints lodged against a motorcycle insurance company and commendations. See if a prospective company has positive customer referrals or commendations. You should also be familiar with a motorcycle insurance company’s payment policies. Can you make payments online or through automatic draft? Do they offer a grace period, allowing several days before policies lapse due to missed payments? Do you have access to an agent or do you have to go through a complicated maze to get answers?
Take Advantage of Motorcycle Insurance Discounts: While surfing the web for motorcycle insurance agents, be sure to inquire about discounts. Some agencies offer lower rates for Texas homeowners with good credit ratings. Other insurance agencies give lower rates to riders who have more than one motorcycle and bikers who have completed state safety courses. Motorcycle safety training courses not only help beginners learn how to operate a motorbike and safe driving tips to avoid accidents and personal injury qualify for discounts Others give discounts if you are part of a cyclist club. During the off season when the vehicle is off the road, you can opt to buy comprehensive motorcycle insurance only and save money.
Thinking of getting away without motorcycle insurance? Don’t even think about it. Penalties for not having motorcycle insurance in the Lone Star state can be pretty stiff. Texas bikers can be fined between $175 and $350 for the first conviction with subsequent convictions costing between $350 and $1,000 and a suspension of drivers’ license. Don’t jeopardize your right to enjoy biking and traveling across the vast state of Texas by avoiding getting your motorcycle insured.