Motorcycle Insurance Quote Forms
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Motorcycle Insurance Information
Motorcycle Insurance in Waco, Round Rock and Killeen, TX
If you own a motorcycle, you likely need specialized insurance protection for your bike. Before you go out on the open road, give the agents at Texian Insurance Agency a call to find out how you can best protect yourself and your motorcycle.
Why Do You Need Motorcycle Insurance?
Under the standard motorcycle insurance policy, you will receive the assurance of financial assistance if you ever experience an unexpected, unpreventable loss involving your bike. This coverage may assist in paying for accident damage, settlements and other obstacles that may come your way. Whether you’re on the road or parked on your driveway, this coverage can help save you money and alleviate potential personal losses.
What Does Motorcycle Insurance Cover?
Motorcycle insurance includes an extensive array of benefits, which offer you protection against any obstacle you may encounter:
Bodily injury liability: Typically covers the other driver or your passenger’s expenses such as medical bills, lost wages, and pain and suffering.
Property damage liability:Typically covers the expense of repairing damage to others’ property (vehicles, homes, fences, etc.).
Collision insurance coverage: Collision insurance covers damage, minus your deductible, to your motorcycle if you are involved in an accident. Keep in mind that collision insurance usually covers the motorcycle's book value before the loss occurred.
Comprehensive insurance coverage: Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision insurance coverage, your policy will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.
Uninsured/Underinsured motorist coverage: Uninsured/underinsured motorist insurance coverage covers damages to you and your property caused by another driver who is uninsured or underinsured. This coverage typically pays for medical treatment, lost wages and other damages.
Optional equipment coverage: If you decide to customize your motorcycle, you should obtain additional or optional equipment coverage. Most comprehensive and collision insurance coverages will only cover the factory standard parts on your motorcycle.
What Does Motorcycle Insurance Cost?
Various factors can impact the price of your motorcycle policy, including:
Your chosen coverage limits
The value of your bike
Your driving accident history
Your history of claims on other motorcycle policies
Where you live
It is possible for two bikers to have identical policies yet pay different prices for them. However, we’ll always search our carrier network to guarantee you find the policy that will offer you the most desirable price for the level for the benefits you want.
Get Covered Today
Don’t wait any longer—dial 254-939-7000 to get a quote on a motorcycle policy or speak with a Texian Insurance Agency representative today.