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.
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We would appreciate any feedback you might have so post a comment after you have gotten your quote.
Steve A.