License, check. Full tank, check. Helmet, check. Now it’s time to hit the Texas roads with your bike. Fortunately for bike enthusiasts, Texas provides an ideal place to ride your bike all year long. However, no matter the bike you ride, you need proper motorcycle insurance from Access Insurance Services of San Antonio, TX for well-rounded protection.
Before jumping on your bike’s seat, here are things you should know about Texas motorcycle insurance.
Motorcycle insurance is mandatory in Texas
Like most states, Texas requires motorcyclists to carry motorcycle insurance when riding on public roads. Texas requires drivers to have at least property and bodily injury liability coverages in their motorcycle insurance. Failure to provide proof of insurance ownership attracts penalties of between $175 and $350 for first-time offenders and a surcharge of $250 when renewing your license. Of course, these penalties go up drastically for repeat offenders.
State-required minimums aren’t enough
It’s crucial to adhere to state minimums, but they are never adequate. The minimum insurance covers other people but not you and your bike. In light of this, consider the below motorcycle coverages for optimal coverage:
- Comprehensive coverage
- Collision coverage
- PIP or medical payments coverage
- Uninsured/underinsured motorist coverage
- Roadside assistance coverage
It covers you even when your bike is parked
Motorcycle insurance doesn’t cover you when hitting the road only. It covers your bike even when parked in your garage or in front of your home. Perils like theft, fire, vandalism, and several natural disasters can strike whether riding or not. Fortunately, motorcycle insurance saves the day when such disasters occur.
Bundling insurance can save you money
Because everyone wants to save, there are creative ways you can devise to save your motorcycle insurance premium. One such way is bundling your insurance coverages to enjoy economies of scale. Bundling your motorcycle insurance with a boat, home, or vehicle insurance policy can save you a few dollars.
Is your motorcycle insurance still unanswered? Please contact Access Insurance Services for more information. Furthermore, you can visit our San Antonio, TX offices to speak to one of our agents.