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What are some coverage options on a motorcycle insurance ?

 

Coverage Options

Beyond minimum liability coverage, you have several insurance options — they are similar to the standard options for auto insurance.

Comprehensive coverage will cover “acts of God” such as weather or animal damage, or in the event of theft.

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Collision insurance, as the name implies, will protect you in the event you collide with another motorcycle and it is their fault.

Personal injury protection, or PIP, will cover injuries to any parties involved in an accident regardless of who is at fault. This coverage is not available in every state because motorcyclists, in general, are a high-risk category of motorists.

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Roadside assistance will cover the costs of getting you and your bike to a garage for repairs in the event that it breaks down. In this same vein, trip interruption coverage will pay for additional costs such as lodging and food if your bike happens to be in an accident during a trip far from home.

Each insurance company will likely have a slew of additional coverage options as a part of their standard motorcycle coverage policies. Check with your insurance provider and other riders to discuss all of the options available to you.

Protect Your Parts!

If you’ve spent money on a custom bike, chances are you are very invested in your motorcycle personally and emotionally, as well as financially. This makes coverage for custom parts and accessories all the more important. You can often buy up to $30,000 in coverage for non-standard parts including sidecars and trailers as well as fancier additions such as stereo systems and custom enhancements.

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Ways to Save on Motorcycle Insurance

There are many ways to save on motorcycle insurance costs without skimping on coverage. Tell your insurance provider if you park your bike inside a locked garage, or have installed an alarm, as these measures may mean lower insurance costs for you. Additionally, a motorcycle safety course is a great way to save financially as well as ensure you’re prepared to drive your bike safely. Taking such a course could also help you avoid costly accidents. Cleaning up your driving record, in general, will also lower your costs.

Do you live in an area where it snows a lot during a long winter? If so, a lay-up policy could help decrease your costs by providing lower payments (and coverage) during the months where you won’t be riding your bike anyways.

Visit one of our locations:

 

Baytown Alexander

 

411 N Alexander 
Baytown , TX 77520 
Location Map & Driving Directions

Phone Number

(281) 427-9063

Fax Number

(281) 422-0090

 

Beaumont

  

2465 S. 11th St. 
Beaumont , TX 77701 
Location Map & Driving Directions

Phone Number

(409) 833-7808

Fax Number

(409) 838-3351

 

Orange

 

2918 N. 16th St 
Orange , TX 77630 
Location Map & Driving Directions

Phone Number

(409) 883-8444

Fax Number

(409) 883-8546

 

Pasadena

 

2202 Strawberry 
Pasadena , TX 77502 
Location Map & Driving Directions

Phone Number

(713) 477-5655

Fax Number

(713) 477-1314

 

Port Arthur

5406 39th St 
Groves , TX 77619 
Location Map & Driving Directions

Phone Number

(409) 963-0349

Fax Number

(409) 963-0503

 

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