Cheaper Rates for Motorcycle Insurance in Texas
Reader Question: I sold my car and bought a used motorcycle to lower expenses. I have an excellent driving record with no accidents. What kind insurance is required on motorcycles? What would save the most money?
Mark
Houston, TX
Dear Mark,
Congratulations on the purchase of your motorcycle. Your purchase of a motorcycle is a wise solution to the soaring gasoline costs. You do want to be sure to protect your investment and there are several things to consider when shopping for insurance.
- What is required? You are required to have liability in the event that someone else is harmed in an accident and you are at fault.
- Do you already have medical insurance? If yes, then you will not need medical coverage which will lower your premium.
- Do you want UM or UIM (uninsured motorist or underinsured motorist)? This is to cover you if someone else is at fault and does not have insurance or they don’t have enough coverage to pay all of your property damage and medical expense claim. This would pay the difference not covered by the other party’s insurance.
- Does the insurer offer premium discounts? With your good driving record you should ask if they offer a no claim bonus. In other words will they give you back a portion of your money if you don’t file any claims over a set period of time.
The fastest and easiest way to compare quotes from the top 12 companies is to use the zip code form above. You will instantly receive your quotes for free, and that is a price we can all afford!
We would appreciate any feedback you might have so post a comment after you have gotten your quote.
Steve A.
Where Can I Get Houston Motorcycle Insurance Rate Quotes
Reader’s Question:
I love to go out and feel the breeze when I want to be alone to think on some things. So I bought a motorcycle to give me a quick ride to a nearby park, coffee shops, or anywhere I can be alone. Where can I get Houston motorcycle insurance rate quotes?
Daly
Houston TX
I assumed you are referring to Hosuton motorcycle insurance rate quotes. Before you search for insurance quotes for your motorcycle, it is best that you plan what coverage you like to include your policy and how much premium you can afford.
The first thing you should consider when calculating how much motorcycle insurance coverage you should get is to know the required minimum coverage required by the law. For the state of Texas, following is the required insurance coverage:
- Property Damage Coverage – $25,000 for damages to other properties
- Bodily Injury Coverage – $20,000 per innocent third person party injured in any one accident, and $40,000 for all persons in any one accident.
If you can still afford more than the minimum required motorcycle insurance coverage, then you might like to add other types of coverage. I will recommend coverage that will pay for you and your passengers’ medical bills and also loss of income when you need to take a leave of absence to heal from your injury. We all know that there is less protection from being injured when you are driving a motorcycle since it is very open compared to driving inside a car. This kind of coverage is usually termed as personal injury protection coverage.
Once you have determined how much is your ideal coverage, you can then check online for Hosuton motorcycle insurance rate quotes. With the power of Internet, it is now easy for you to find insurance companies that provide services to your city and state. You can go to online directories, and find insurance companies listed under your state. Then, you can contact the listed companies one by one via email or phone, and request an insurance quote.
Another easier, on-the-spot calculation of Hosuton motorcycle insurance rate quotes is to go to insurance companies’ websites. Find their free insurance calculator for motorcycle, then just follow the steps prompted to you and input the information they require from you. After a few clicks and input of information, you will then get results of insurance quotes.
How can I lower my motorcycle insurance rates?
How could I lower my motorcycle insurance?
I looked over some of the things that insurance companies look for in giving deductibles and so far i came up with things like:
1. alarms, security devices, etc.
2. lower amount cost of accident coverage
3. rider training courses
im 24, and i heard insurance rates go down after you turn 25 but i’m not sure if this applies to motorcycles also. i don’t Read more
Motorcycle Insurance for a Guest Rider
Reader Question: I just bought a new bike and want to take my girlfriend on it. If I have a rider on my bike, do I have to insure my rider? I am looking for insurance but I don’t want a higher premium.
Freerider
Spring, TX
Freerider,
Way to go on the girl and the bike. You definitely want to be sure that you and your girlfriend are taken care should you get in an accident on your bike. If this is your first bike I would recommend that you take a motorcycle safety driving course. Many insurance companies offer a 10 to 15 percent discount for taking and passing a driving safety course, so be sure to find that out. If you plan to have guest riders on your motorcycle, be sure to discuss this with your agent, as each company has its own policy. A guest rider may increase your premiums. Shop around to find the agent or company that is right for you.