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Texas Motorcycle Insurance Coverage

Motorcycle Insurance

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Motorcycle Insurance

As the old saying goes, everything’s bigger in Texas, and motorcycle insurance premiums are no exception. Nationally, the state ranks third for uninsured drivers. So, finding the right coverage requires research and forethought to ensure the best deal is found for the driver. Motorcycle insurance is different from automobile insurance because driving a bike is riskier than driving a car, and this is reflected in the required insurance. Basic motorcycle insurance coverage demonstrates the safety features of the bike, its value, and the costs of repair.

Insurance Minimums

Like automobile insurance, motorcycle insurance is required by law and must meet the state minimum coverage for bodily injury for everyone in the accident, total bodily injuries per accident, and property damage per accident. While the required minimum amounts are higher than in surrounding states, they often do not fully cover the driver. According to the Governors Highway Safety Association, half of all fatal motorcycle crashes occur because the automobile or truck did not see the motorcyclist. With this figure, Michael Leonard Insurance recommends upgrading to the next level of coverage.

Additional Coverage

For those who finance a bike, the dealer typically also requires collision and comprehensive coverages. Collision coverage repairs the motorcycle if there is an accident. Comprehensive coverage pays for damages caused by fire, flood, theft, etc. For custom bikes, we recommend an increase in coverage to replace the custom parts if necessary. For older bikes, increasing the coverage is not necessary. Always consider the value of the bike before purchasing insurance. Furthermore, uninsured and underinsured coverage is always a good idea since there are so many motorists that do not carry insurance in Texas.

Motorcycle insurance protects both drivers on the road, but the financial responsibility can be avoided with a reliable insurance plan. If you live in Texas and are in the market for motorcycle insurance, contact Michael Leonard Insurance today! Our professionals are standing by, ready to help with any questions you may have about motorcycle insurance.

Why work with Michael Leonard Insurance?

  • We’re LOCAL! We work remotely, right in the area. Want to meet? Great, tell us where and when and we’ll come to you!
  • Ability to shop multiple companies all at once, finding the best rates for you, but taking the hassle and time constraint out of it!
  • We REMAIN your agent, no matter what company we find for you, we are your point of contact! Questions, changes, need to add or remove something, it’s just US-no 800 numbers!
  • We keep a watchful eye out for you-and shop around when we need to-rates changed at renewal? No worries, we see it, shop and let you know how we can avoid those increases.
  • We specialize in contractors general liability policies, need a certificate of insurance right away to win that bid? We’ve got you covered!
  • We have built our business directly off referrals and word of mouth-NO lead purchasing, meaning our clients are happy enough to trust us with their friends, family, coworkers, and neighbors.

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Partner Carriers

  • Cypress
  • Foremost
  • Kemper
  • Mercury First
  • Met Life
  • Progressive
  • Safeco
  • State Auto
  • Texas Security General
  • Travelers