Motorcycle Insurance in Houston, TX
If you own or drive a motorcycle, purchasing motorcycle insurance may be required, depending on where you live.
Additionally, having the right motorcycle insurance policy can help protect you financially if you’re involved in an accident or your bike is stolen or damaged. Contact us today to learn more about getting an insurance or to get a quote.
How Much Motorcycle Insurance Do I Need in Texas?
Texas requires all motorists, including motorcyclists, to be able to prove they can cover the damage they may cause in an accident.
Most Texas motorcycle owners do this by purchasing property damage and bodily injury liability insurance that meets the state’s minimum requirements.
If you finance or lease your bike, the lienholder can require additional coverage, including comprehensive, collision and uninsured/underinsured motorist insurance, to help repair or replace the motorcycle after a covered incident or accident.
How Much Does it Cost?
Your insurance premiums are typically based on the following:
- Your bike’s value
- Your driving record
- Your claims history
- Your location and where you ride your motorcycle
- Your coverages and deductibles
Each insurer has an algorithm they use to determine rates. Your agent can help you find an appropriate insurance coverage at favorable rates.
What is Covered Under My Insurance?
The coverage provided by your insurance may vary based on what’s included in your specific policy. Some aspects that may be covered under a policy can include:
- Liability protections (e.g., bodily injury and property damage liability) for injuries or damages you may cause to someone else while riding your motorcycle
- Additional protections to you if you’re injured or your motorcycle is damaged in an accident with an uninsured or underinsured motorist
- Property damage to your motorcycle caused by a collision with another object
- Property damage to your motorcycle caused by vandalism, fire, theft or other covered losses
- Roadside assistance
- Towing
- Trip interruption expenses
- Additional or specialized equipment
Contact our agency today to learn more about the protections that may be available to you.
Why Do You Need it?
Depending on where you live, a motor vehicle insurance may be required by state law. What’s more, if you’ve financed your motorcycle, your lender may require you to carry minimum coverage amounts.
Beyond these requirements, having adequate motorcycle insurance can help protect you financially if you’re in an accident or your bike is damaged or stolen. Without insurance, you may have to pay for all incurred expenses out-of-pocket.
How To Get Motorcycle Insurance
If you need a motorcycle insurance policy, we’re here to help. Call AMCO Gulf LLC to discuss your motorcycle insurance needs and get a quote for a policy that’s right for you.