Choosing the Right Motorcycle Coverage 

At Xpress Insurance, we understand how important it is for riders to have the right insurance policy for every adventure they take on the road. Choosing the right motorcycle coverage can help safeguard your finances, your bike and your ride.

Understanding Texas Motorcycle Insurance Requirements

State law requires all motorcycle owners to prove financial responsibility in an accident. Most motorcyclists do this by purchasing minimum amounts of motorcycle liability insurance. However, basic liability coverage doesn’t cover you or your motorcycle. That’s why it’s important to consider additional coverage options.

Key Motorcycle Policy Options

When selecting a motorcycle insurance policy, you’ll find several types of coverage to choose from:

• Liability coverage can help cover bodily injury and property damage to others if you’re at fault in an accident.
• Collision coverage can help cover repairs to your motorcycle if it’s damaged in a collision, regardless of who is at fault.
• Comprehensive coverage can cover non-collision events such as theft, vandalism, fire or weather-related damage.
• Uninsured or underinsured motorist coverage can provide coverage if you’re involved in an accident with a driver who has little or no insurance.

Factors to Consider When Choosing Coverage

Every rider’s needs are different. When deciding on the right policy, consider:

• The value and age of your motorcycle
• How often and where you ride
• Your budget and risk tolerance
• Whether you want coverage for custom parts or accessories

How Our Team Can Help

At Xpress Insurance, our team is dedicated to helping riders find motorcycle insurance that fits their lifestyle and budget. We take the time to explain your options, answer your questions and compare policies from top carriers. Our goal is to make sure you feel confident and insured every time you hit the road.

Ready to review your motorcycle coverage or get a personalized quote? Contact us today to speak with one of our experienced agents.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.