Motorcycle Insurance Houston

Houston Motorcycle Insurance

Motorcycle Insurance Houston

With a Motorcycle Insurance policy, you get more. It’s that simple. More protection for you and your motorcycle. More ways to save. More types of motorcycles insured. And most importantly, more love for your bike. So go ahead, get a motorcycle insurance quote online now and ride with the best motorcycle insurance company.

Full replacement cost and no depreciation for parts

We will always return your bike to pre-accident condition or better. Let’s say that your five-year old front fender gets damaged. It’s used and technically only worth $50, but you need a new one that costs $150. They pay the full $150 and not the depreciated value. That’s a real $100 difference.

Total loss coverage for a brand new bike

You can add this coverage if your bike is no more than one model year old. If it’s totaled within 3 model years, we’ll give you the full amount for a brand new one. Let’s say you bought a bike for $15,000 that’s now only worth $10,000. If it’s totaled, it’s going to cost $15,000+ for a new one. So, they’ll give you the full $15,000+ for the new model. That’s a $5,000 difference. If your bike is totaled when it’s outside the three-model year window, you’ll still get the actual cash value for what it’s currently worth.

Houston Motorcycle Insurance

Coverage for gear and personal belongings

You can add coverage for just about all of the personal property you carry on your motorcycle if it’s damaged or stolen. This includes camping gear, safety gear and even your phones.

Motorcycle Insurance Houston FAQS

Q: How much motorcycle insurance do I need?

A: The coverage you need depends on a few factors, including the type of motorcycle you have, your riding habits, and the laws in your state.

In most states, you must have at least 25/50/10 coverage, which equals $25,000 in bodily injury coverage per person, $50,000 in accident coverage, and $10,000 in property damage coverage.

However, these are just the minimums, and we recommend you have more coverage than the state requires.

Q: What does motorcycle insurance cover?

A: Motorcycle insurance covers you, your bike, and your gear in the case of an accident, theft, or damage. It can also cover you if you injure someone while riding your motorcycle.

For example, if you cause a car accident, your motorcycle insurance would pay for the other driver’s medical bills and damage to their car.

Q: How much does motorcycle insurance cost?

A: The cost of motorcycle insurance is determined by many factors, including the type of motorcycle you have, your riding habits, your location, and the amount of coverage you need. 

However, we can give you a general idea of what you can expect to pay. For example, if you have a clean driving record can expect to pay around $25-$200 per month for basic motorcycle insurance coverage.

Q: How to get the best rates on motorcycle insurance?

A:  There are a few things you can do to get the best rates on motorcycle insurance, including shopping around, comparing quotes, and discounts.

Many people make the mistake of only considering one insurance company when shopping for motorcycle insurance. However, comparing quotes from multiple companies is essential to ensure you’re getting the best rate.

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