6 Ways to Find the Right Insurance for Your New Motorcycle in Texas  – Baja Auto Insurance

Do you feel the need for air in your hair?

If you’ve recently bought or want to buy a motorcycle, finding the right insurance policy should be one of your top priorities. Motorcycle insurance can protect your investment and ensure that you are covered in the event of an accident. Also, it’s the only way to legally drive in Texas.

As with automatic policies, there are many different options available You can choose to be fully covered (and you may have to if you’ve financed your bike). It not only offers state-required liability, but adds comprehensive and collision to protect you financially. If your iron horse is paid for in full and only the minimum is purchased, you may choose the cheaper route. And there are other optional additions you can make to your package, such as roadside assistance and bike replacement.

How much does motorcycle insurance cost in Texas?

As with car insurance, this will depend on many factors. However, the average cost of full coverage motorcycle insurance in Texas ranges from $450 to $1,000 annually. That’s quite a spread, but a lot depends on things like your age, where you live, the type of bike you ride, and most importantly, your claim history and riding experience. The minimum state-required liability should average about $141 per year, or $12 per month.

As you look at what’s best for you and your situation, here are 6 items to consider when looking for the right coverage for your new motorcycle.

1. Know your coverage requirements for riding in Texas

Before you actively look for the right insurance policy for your new motorcycle, you need a clear picture of the coverage you need. Your coverage needs will play a major role in determining the right policy for your new motorcycle.

If your motorcycle is new, the cost of repairing or replacing it after an accident can be higher than most standard insurance policies. Fortunately, you have the option of purchasing additional coverage that can pay for the full cost of repairing or replacing your damaged motorcycle.

The choices you make about your coverage will have a huge impact on your deductible. However, there are also choices you can make that can significantly reduce what you pay for an insurance deductible each month.

For example, you may choose something less than full coverage when you select your policy. Carrying only liability insurance will significantly reduce what you pay each month.

Of course, this type of policy will cover less if you get into an accident. Only you can weigh the pros and cons that come with the types of insurance available to you.

2. Look for motorcycle-specific discounts

Joining some special interest groups can help you find the right policy or even lower the cost of that policy. When you join groups like the American Motorcyclist Association, you can benefit from discounted insurance rates in some cases. Not every carrier will offer insurance discounts to every motorcycle company, so you must do your research.

Membership in a motorcycle-focused group can give you insights you won’t find anywhere else. Your fellow members can give their opinion on which insurance companies provide the best service.

3. Understand the Texas laws surrounding riding

The coverage you buy for your motorcycle should cover more than you need. According to Texas motorcycle laws, you must meet the minimum levels required by statute.

Minimum insurance coverage according to state law includes:

  • Bodily damages per person of $30,000
  • $60,000 bodily injury per accident
  • Property damage $25,000

Compliance with these requirements is important. These minimum coverage levels not only protect you in the event of an accident, but driving without insurance in Texas can have criminal consequences. If you cause an accident, your liability will help pay for injuries sustained by other parties.

Remember that the law sets minimum coverage levels for your liability insurance. This does not prevent you from carrying coverage above and beyond the minimum level prescribed by law.

4. Consider your budget when purchasing Texas motorcycle coverage

Proper coverage is only one part of the equation. Because of the cost of new motorcycles, you must balance the coverage you need with your budget. That’s why you need to weigh your purchasing options against your affordability.

It is best to secure multiple quotes from different insurers. Each carrier will have its own pricing structure and don’t assume their coverage is out of the question for you. When you get quotes for comprehensive policies, you can determine which carrier offers the best coverage for your budget.

5. Texans get a big discount for bundling

If you need more than one insurance, it can make a lot of sense to combine your policies. Bundling can save you money on your new motorcycle coverage but also on other types of coverage, including:

What is bundling? When you bundle, you purchase multiple types of policies from the same carrier. In return, your carrier offers a bundle discount that saves you money. This can represent a significant reduction compared to paying full price for these policies.

Bundling is a powerful option in that it offers you a lower price for something you were going to buy anyway. Not only will you save on your premiums, but bundling policies through a single insurer will simplify the management of each of these policies.

6. Do extensive research before purchasing motorcycle insurance in Texas

There’s no way to know all your options unless your research is thorough. Before you select an insurance carrier in Texas, look at all the coverage options available. You may find that some offer similar policies while charging substantially more than their competitors.

Not all offers are the same. The terms of each policy are unique, and some companies may offer additional coverage or benefits not offered by others. Look at all of your available options before making a final decision.

When reviewing your options, it helps to contact agents to get all the details. Each carrier has its own set of discounts. You may be entitled to a discount on a new policy that you didn’t know was available

Find affordable motorcycle insurance in Texas today

Worried about the cost of insurance on your new bike? You may be surprised at how affordable insurance coverage can be for your new motorcycle. Speak with an independent agent at 800-401-6870, go online for a free quote, or contact a Baja Auto Insurance Texas office near you.

FOR MORE VISIT : www.bajaautoinsurance.com

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