Motorcycle Insurance
Peace of Mind
Enjoy the Freedom of the Open Road Without Worry
Whether you’re taking a weekend drive on a country road or making your way through a major Texas highway, you chose a motorcycle to enjoy the freedom and fun a bike provides. Making sure that you have the right insurance in place will let you make the most of your experience, worry-free.
What Does Motorcycle Insurance Protect?
The right motorcycle insurance policy will protect you and your motorcycle in the event of an accident. It can also protect you against theft, vandalism, or damage that could occur outside of a driving accident, like another vehicle hitting your bike while it’s parked.
ACCIDENT
THEFT
VANDALISM
DAMAGE
USTX INSURANCE CAN PROTECT ALL SORTS OF RIDES INCLUDING
CRUISERS
SPORT BIKES
TOUR BIKES
MOPEDS & SCOOTERS
DIRT BIKES
What Is Liability Coverage for Motorcycle Insurance?
Liability coverage is required in nearly all states. Liability coverage can be divided into two limits:
Bodily Injury Coverage
This coverage will pay for injuries suffered by others for accidents you cause. Your policy will set limits for how much can be paid to each person injured and a total for the entire accident.
For example, let’s say that your limits are set to $50,000 per person and $100,000 total. If you cause an accident that injures three people, and person A’s medical bills are $25,000, person B’s are $40,000, and person C’s are $20,000, you’re covered as each falls below $50,000 and the total is $85,000, below the $100,000 limit.
Property Damage Coverage
This is the maximum amount that your policy will pay for damage to the property of others, either a vehicle or other property. Typical limits for this coverage range from $25,000 up to $100,000.
What Is Collision Insurance and What Does It Cover?
Collision Insurance protects your motorcycle from the damage caused by an accident that you or someone else may have caused. Accidents can include those that occur with other vehicles and those that involve inanimate objects, like buildings or guardrails, or a hit and run situation.
What Is Comprehensive Insurance and What Does It Cover?
Comprehensive Insurance is also referred to as “other than collision” as it covers scenarios not covered by collision. It is an optional coverage that protects you against things you cannot control. Some common items covered here include, accidents with animals, flooding, falling trees or objects, theft, glass or windshield damage, and vandalism.
When combined with collision insurance, comprehensive and collision coverages commonly referred to as “full coverage.” While giving you the best chance of having all your claims paid, be aware that there are still exclusions on most motorcycle policies.
It’s important to talk to your motorcycle insurance agent to discuss any particular coverages you are considering.
What Is the Cost of Motorcycle Insurance in Texas?
For most riders over the age of 25, costs typically range from $200 – $500/year. Every person is different however, and your premium will depend on a variety of factors, including:
• Your age
• Your driving record
• The type of motorcycle you ride
• Coverage and deductible amounts desired
• Expected annual mileage
• Security of you motorcycle when stored/parked
What Are Ways to Save on Motorcycle Insurance?
There are several ways Texan Insurance can help you save on your motorcycle insurance. We work with multiple
insurance companies that offer a variety of discounts such as:
Safety Course Instructor
Bundling with your home and auto policies
Clean Driving Record
Associations, such as Harley Owners Group or USAA member
Secured Garage
Pay in Full
Advance Quote
Call us at 480-628-6055 or click below to get started!
FAQ
The state of Texas requires that all drivers carry at least the following amounts of coverage:
$30,000 bodily injury coverage for each injured person in an accident
$60,000 bodily injury coverage total per accident
$25,000 property damage coverage per accident
A deductible is the amount that the insured must pay before the insurance coverage kicks in. For example, let’s say you incurred $1,000 of damages to your bike and your deductible is $250. The insurance company would pay you $750, and you would pay $250 out of pocket. The deductible amount is pre-set based on your policy, and you can choose the amount. Typically, a lower deductible will mean a higher premium and vice versa.
In many ways, yes. Motorcycle will have a premium that you pay for the coverage, and your policy will have a deductible that you have to pay before the insurance kicks in.
No. Wearing a helmet is not required in Texas, and so most providers build the potential higher costs for head injuries into their premiums, regardless of whether a specific rider wears one or not.
Yes, comprehensive policies will provide some coverage for theft of the bike or items stored in it, but it’s important to sit down with an agent and talk through all the different coverage options and amounts.
We can arrange payments annually, twice a year, quarterly, or even monthly. In some cases, you can earn a discount by paying for the year upfront.
