Motorcycle Insurance Tips

How Can I Save Money on Motorcycle Insurance in Texas?

If you are considering purchasing a motorcycle, then one of the first things you should do is look into options for motorcycle insurance. While motorcycle insurance in Texas is widely available, you may carry a minimum amount of liability coverage. Be advised that liability insurance only covers bodily injury and property damage that you may cause to other people involved in an accident. It does not cover you or your motorcycle.

At Costlow Insurance, we want to help you stay informed about what motorcycle insurance coverage may or may not include, as well as what discounts are available to you.

Texas Motorcycle Insurance Coverage

Your motorcycle insurance coverage may include or have options for:

1. First-party medical coverage, in the event that you want to be reimbursed for bodily injury expenses you incurred
2. Coverage for medical bills received from an injured party
3. Guest passenger liability
4. Collision (covering damage to your motorcycle)
5. Comprehensive (covering damage caused by events other than a collision, such as fire, theft, or vandalism)
6. Uninsured/underinsured motorist coverage
7. Motorcycle accessories coverage for items such as add-ons, customizations, aftermarket parts, and anything else you may have added to your bike

Motorcycle Insurance Factors

Several factors can affect how much you will pay in motorcycle insurance premiums, including:

1. Driver’s age and driving record.
2. Where the driver lives.
3. Model, style (sports bike vs. cruiser) and age of the motorcycle.
4. Number of miles the motorcycle is driven each year.
5. Where the motorcycle is stored.

**When you comparison shop, inquire about discounts for:

1. Multi-bike discounts for those insuring more than one bike on a single policy.
2. Mature rider discounts for experienced riders.
3. Installation of anti-theft devices.
4. Discounts for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) Rider Course. (Riders under the age of 25, usually considered at higher risk, and motorcyclists who have already had accidents stand to save the most).

** (The discounts listed above may not be available in all cases or from all insurance companies)

Find the Right Insurance for Your Needs

When it comes to motorcycle insurance, remember that the price is not everything. Discounts matter, but proper coverage is more important. At Costlow Insurance, we are proud to offer motorcycle insurance options as well as various other insurance options to meet your needs. For more information, call 972-463-8043 or contact us today!

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