Motorcycle Insurance
Hit the open road knowing you’re protected.
// Austin #1 Insurance Agency
Have Peace of Mind when hitting the Open roads.
What’s your motorcycle passion? Maybe it’s a weekend warrior who cruises up the coast on sunny afternoons. Or perhaps you use bikes for navigating traffic-clogged commutes or take them out into new open road territory exploring landscapes across state lines in search of adventure!
Buying a motorcycle is easy, but as you would with car insurance, you need to find affordable motorcycle insurance coverage with the right amount of coverage to keep yourself protected on the road. If you own a motorcycle, getting motorcycle insurance quotes online should be something you do at least once every few years because rates can change very quickly for this type of vehicle.
How does motorcycle insurance work?
Motorcycle insurance is a unique type of auto policy, but it follows many similar coverage options. There are required liability coverages that protect you if you cause damages or injuries to others in an accident; However, there might also come into play things like collision and comprehensive coverage! Protection for accessories or custom parts you have added, and even coverage to help provide towing and flat tire roadside assistance.
Some states also require drivers to carry uninsured/underinsured motorist coverage. This coverage pays out for injuries resulting from an accident caused by an uninsured driver or who doesn’t have enough insurance.
You’ll want enough protection for yourself AND those around them when riding because accidents happen – no matter how careful everyone tries to be!!!
What does motorcycle insurance cover?
Most states require motorcycle owners to buy liability insurance. The lowest amount of liability insurance you must buy for your motorcycle is the same as your state’s car insurance minimum requirements.
The risks of riding a motorcycle are unique; consider buying additional liability beyond your state’s minimum requirements to protect your assets if you’re sued over a claim.
Texas doesn’t require drivers to carry uninsured/underinsured motorist coverage. It will pay you out for injuries resulting from an accident caused by an uninsured driver or who doesn’t have enough insurance.
Your risk agent can help you be prepared for them. We understand the dangers of riding; We will offer customizable motorcycle insurance coverages that will protect:
Bodily Injury Liability Coverage
Bodily injury is a must-have for any motorcyclist. This type of insurance protects you; it pays out for others’ injuries or damages while you’re operating your bike and provides legal defense if another party files suit against you after an accident occurs! Choosing the proper limit can save time, money, or both when dealing with lawyers down the road.
Property Damage Liability Coverage
Property Damage is necessary for any biker who operates their motorcycle in a dense city like Austin. This coverage protects you from certain damages caused to someone else’s property while driving your bike.
Uninsured/Underinsured Motorist Coverage
Uninsured/ Underinsured will pay for your medical bills if you are injured in a car accident and the driver of the other vehicle does not have insurance, or their policy doesn’t cover what’s needed. Your insurance company will always have your back.
Collision Coverage Options
With collision, you’re protected against damage to your motorcycle. When your bike gets damaged hitting another vehicle, your insurance company will always pay to fix or replace your bike how it was before the incident.
Comprehensive Physical Damage
You may have heard the term “physical damage,” but what does it mean? Covered losses resulting from incidents other than collisions, such as theft or fire. Your insurance company will always pay to fix or replace your bike how it was before the incident.
Medical Payments, No-Fault, Or Personal Injury Protection.
Medical payments, no-fault or personal injury protection coverage provide you and your passengers with medical payments in an accident. PIP is the only one that will cover wages and other costs for up to three years when added to your motorcycle policy.
Accessories Coverage
Accessories protect the little things that make you a rider. You’ll need to carry comprehensive and collision on your motorcycle policy to add this endorsement. Accessories may include saddlebags, backrests, seat chrome pieces (and CB radios).
If the allure of owning a motorcycle is due to adding tons of chrome parts, and your personal touch goes over $3000 we can add additional endorsement up to $30,000.
We carry motorcycle coverage with multiple limits available so that there will always be one motorcycle insurance policy just right.
What types of motorcycles are covered?
We have you covered whether you ride a sport bike, touring bike, cruiser, dirt bike, standard motorcycle, or custom hog. Here are a few common types of motorcycles that we insure:
ATVs
Off-roading Vehicles that Usually Have Four Wheels
Sportsbikes
High-Performance Motorcycles Built for Speed and Sleekness
Cruisers
Most Common Motorcycle Used for Long Trips and Weekend Rides to The Cafe Shop.
You could save with our motorcycle insurance discounts.
By ensuring your bike with us, we will make sure you become eligible for motorcycle insurance discounts to save you even more money. We have discounts for experienced riders, Clean driving history, discounts for motorcycle safety, and even a discount just for switching your motorcycle insurance policy to another insurance company.
Responsible Driver
We’ll reward you if you’ve had no motorcycle accidents or violations in the last three years. Suppose you have done the motorcycle safety program in the previous three years. We can get you low-cost motorcycle insurance.
Multi-Policy
We will see if we can get your home, car, boat, or RV insured under one insurance company provider.
Pay on time
Most providers give this discount if your account is set on autopay or paid in full. It’s The easiest way to save on motorcycle insurance! We’ll give you this discount automatically with your first policy and at every renewal as long as you continue to pay on time.
Association member
Are you a member of the United Services Automobile Association or the Harley Owners Group? you can get a motorcycle insurance discount just for being a part of these associations
// faq
Get the answers you’re looking for in Motorcycle Insurance coverage.
Is my helmet covered while I ride?
Yes, You can add comprehensive and collision insurance coverage if your motorcycle gets damaged or stolen as the result of a covered claim. This includes your helmet, jackets, and boots; if it’s, we’ll pay to replace it minus your deductible.
Does motorcycle insurance cover passengers?
If your passenger is hurt in a bike accident, passenger liability insurance coverage can pay for their injuries up to your policy’s limits. Guest passenger liability is either part of your bodily injury liability coverages or added as endorsement coverage. Keep in mind that if the other motorist is at fault, their motorcycle insurance may pay for your passenger’s medical cost, which is why Underinsured insurance is a must!
Can I save money if I cancel my policy while my bike is stored for the season?
If you store your bike, it’s always a good idea to maintain motorcycle insurance. Your policy includes mileage verification pricing spread over a 12-month-policy period that accounts for a reduced amount of miles riders typically spend on the road in cold climates while providing year-round coverage on warm winter days.
Can I save money on my policy if I have taken a safety course?
Yes! If you participated in a qualifying Motorcycle Safe Driving Program in the past 36 months, you could lower your motorcycle insurance cost with this discount.
If I'm involved in an accident, will my policy pay for a rental until my bike gets fixed?
Suppose you selected rental reimbursement as an option. In that case, the insurance provider will help reimburse you or, in some cases, pay the loaner directly for expenses such as a car or bike rental after a covered claim, up to the amount shown on your policy declarations. See your policy for a complete description of terms and limitations.