In Allen, TX, the lovely weather offers an opportunity to ride year-round, whether you love off-roading on a dirt bike or road-tripping on a street bike. Although both motorcycle types require minimum state legal coverage, they diverge after that. In this blog from Texas Independent Insurance, we’ll explain the top coverage needs for each bike type.

Insuring a Street Legal Motorbike

Texas requires all motorcycles and trikes operating on its roads to carry liability insurance consisting of bodily injury, death, and property damage coverage. This insurance pays the person or persons harmed in an accident you cause for their medical bills and repairs to their vehicle.

You might elect to purchase other coverage, including roadside assistance, collision, and comprehensive coverage. Roadside assistance sends a mechanic or tow truck to your location if you run out of gas, your bike breaks down, or your bike experiences a flat tire. This service also provides a locksmith if you lose your motorcycle keys. Collision pays for repairs to your motorcycle if you damage it in an accident, including single-vehicle accidents. Comprehensive coverage pays if your bike gets stolen or incurs damage.

Insuring a Dirt Bike

Because you tow a dirt bike to the off-road location of your ride, you probably won’t need roadside assistance coverage. If you own a crossover bike that can be a dirt bike and legally be ridden on state roads, you must insure the bike with the state minimum liability coverage. Because dirt bikes are a favorite target for theft, we encourage their owners to purchase comprehensive coverage. Collision coverage pays for damage to your bike even from a single-vehicle accident, meaning if you wipe out on your dirt bike and it gets damaged, your insurance pays for the repairs. You can even include an add-on or insurance rider called OEM parts coverage, so your insurance pays for manufacturer parts when you have them repaired.

Contact Us Today

Contact Texas Independent Insurance today for an insurance review or to purchase a new motorcycle insurance policy. However you ride in and around Allen, TX,  protect your finances with the right coverage for your motorbike.

Prepare Your Motorcycle for Summer and Revisit Your Insurance Policy in Allen, TX

With the arrival of summer, now is the perfect time to get your motorcycle ready for the warm weather and also to review your motorcycle insurance policy. In Allen, TX, we at Texas Independent Insurance are here to simplify this process and ensure your policy is appropriate for your needs.

Motorcycle Preparation Tips for Summer

Performing regular checks on your motorcycle is crucial for road safety, especially with the increasing traffic in Allen and neighboring DFW Metroplex areas. Here are some top tips to prepare your bike for the summer:

• Inspect the tires
• Check the fluid levels
• Clean your motorcycle
• Have the brakes, battery, and other key components inspected
• Replace any damaged gear

Remember, in Texas, helmets are mandatory for both riders and passengers. Fortunately, there are numerous options available to ensure that you can remain safe and stylish simultaneously.

Reassessing Your Motorcycle Insurance

While preparing your bike for summer, it’s also an opportune time to reassess your motorcycle insurance policy. Has there been any change in the state minimums? Can you find a more affordable policy? Do you want to add more coverage for better protection? A reliable policy should exceed the bare minimum requirements and provide additional coverage for your peace of mind. If an accident occurs or your bike gets damaged off-road, such comprehensive insurance allows you to file a claim confidently.

At Texas Independent Insurance, we are here to help you find an insurance policy that minimizes your out-of-pocket expenses. Reach out to us with any questions or to explore documentation options. Let one of our experienced agents assist you today.

At Texas Independent Insurance in Allen, TX, we help motorcycle owners cover their bikes with motorcycle insurance. To keep it safe to drive on the road, there’s no getting around the necessity of completing repairs whenever the condition of your bike requires it. Although every policy is unique, we can offer some guidance on what motorcycle insurance policies might cover in general.

Can I Use Motorcycle Insurance to Cover Repairs?

As a motorcycle owner, repairs can be one of the most expensive aspects of maintaining your bike. While repairs can be pricey, the good news is that there may be ways to help lower or eliminate this cost. Although every motorcycle insurance policy has terms and limits that specifically apply to that policy, motorcycle insurance generally comes in a few different kinds of policies that suit different needs.

If you carry the bare minimum amount of motorcycle insurance, you may just have a no-frills insurance policy that can cover liability if you’re found to be at fault in an accident. For those who have policies with collision coverage and comprehensive coverage, you might be more likely to have coverage for repairs related to accidents even if you were found to be at fault. To see if your motorcycle insurance provides coverage for repairs, you’ll need to review your individual policy.

Contact Us Today

For all of your motorcycle insurance needs, our team is happy to assist you in determining what level of coverage would be most beneficial for your goals and preferences. If you’d like to learn more about our motorcycle insurance coverage options or other insurance policy offerings, you can call our office or visit today. For more information, give us a ring or stop by our office at Texas Independent Insurance in Allen, TX!

Looking for the best motorcycle insurance coverage options in Texas? The experts at Texas Independent Insurance in Allen, TX can answer your insurance questions and get a free motorcycle insurance quote! 

5 Tips For Getting The Best Value On Your Motorcycle Insurance:

1) Learn your legal limits.

It is important to know Texas insurance requirements for motorcycle riders when choosing a motorcycle insurance policy.

2) Choose an insurer with experience insuring motorcycles in Texas.

There are some insurers who specialize in motorcycle insurance and will have a better understanding of the unique risks involved.

3) Consider bundling your motorcycle insurance with other types of coverage.

Many companies offer discounts if you bundle multiple policies together. Combining your home, auto, or motorcycle insurance policies can be a great way to save money.

4) Make sure you understand what’s covered by your policy.

Motorcycle insurance policies can vary greatly in terms of what they cover, so it’s important to know exactly what is and isn’t included before buying a policy.

5) Ask about extra coverage options.

There are some additional coverage options that you want to consider, like roadside assistance and trip interruption insurance.

By following these tips, you can be sure that you’re getting the best possible value on your Texas motorcycle insurance policy.

Reach Out To Us

Texas area riders looking for the best rates on motorcycle insurance can get a free quote from Texas Independent Insurance in Allen, TX. A licensed insurance agent can advise you of your insurance options and give you a free motorcycle insurance quote based on your driving history, motor vehicle records, and other factors.

Owning a motorcycle in Allen, TX can be a good option for many people. If you do purchase one here, you need to carry motorcycle insurance at all times.

There are various reasons why this coverage is considered a necessity:

Reduce Risks

One of the primary reasons to get an insurance plan for your motorcycle is to reduce your risks of ownership. There are always going to be risks that come with owning and operating a motorcycle and a motorcycle insurance plan can mitigate many of them. With a motorcycle insurance plan, you will be able to offset your liability risks that can come with causing an accident. It also can be used to offset the risks associated with your motorcycle being damaged in an accident or stolen as you can receive support to replace the asset. 

Owners Often Have Requirements for Coverage

It also would be a good option to get a motorcycle insurance plan as it could be a requirement. Most people that own a motorcycle are also going to be required to carry motorcycle insurance. If you have taken out a loan when you bought the motorcycle, you will likely need to carry a policy to comply with any lender standards. In Texas, motorcycle operators are required to carry liability insurance if they want to drive it on a public road. With a proper motorcycle insurance plan, you can stay in good standing with such requirements. 

Give Us A Call

Having motorcycle insurance is a necessity if you want to own or purchase a motorcycle in the Allen, TX area. Once you are ready to start looking for coverage, it would be a good idea to call Texas Independent Insurance. The team with Texas Independent Insurance will give guidance that can help you build your next policy to protect your motorcycle. 

Texas Independent Insurance assists the Allen, TX community. We proudly serve as an independent agency. We offer our clients multiple types of policies so that they can protect their assets. We work closely with multiple carriers throughout the state. This allows us to provide flexible coverage options.

Add On Coverage Options Motorcycle Riders Should Consider

Motorcycle riding is a popular hobby throughout Texas. If you own a motorcycle, insurance provides a safety net as you ride throughout the state and beyond. The policy covers any damage to your motorcycle as a result of a collision. Liability coverage protects you if your motorcycle accidentally damages someone’s property or injures them. Liability coverage also covers your passenger’s medical treatment if they are injured while riding with you. You can also opt for comprehensive coverage, which covers your motorcycle if it is stolen or damaged due to a natural disaster moving through the area. Motorcycle insurance policies are versatile, which gives you the opportunity to add special types of coverage.

Custom Parts Coverage

If you plan to modify your motorcycle, you can add custom parts coverage. Custom parts coverage ensures that the enhancements to your motorcycle are covered if you are a victim of theft or involved in an accident. You can add custom parts coverage to your moped or classic motorcycle as well.

Roadside Assistance

Perhaps you are planning to travel out of Allen, TX on your motorcycle. If your motorcycle breaks down, roadside assistance will ensure that you receive urgent service. This gives you peace of mind during an emergency situation.

Storage Coverage

During lengthy periods where you don’t plan to ride your motorcycle, storage coverage protects your motorcycle while you have it parked. The policy is a safety net if a hurricane moves through the area and damages the storage facility.  

Texas Independent Insurance Will Help You Protect Your Assets

Visit our website to learn more information about motorcycle insurance.

Motorcycles are a great way of getting around in heavy traffic, but when it comes to insurance, motorcycles have the same requirements as cars in Texas (TX). Allen, TX is regularly ranked, nationally, as a great place to live for several reasons, including safety and quality of life. Bearing that in mind, contact Texas Independent Insurance to make sure you and your motorcycle are covered.

Motorcycle insurance is a type of auto insurance. In TX, in addition to being insured, motorcycles need to be registered and titled. Mopeds and motor-driven cycles similarly fall under the category of motorcycle insurance. 

Motorcycle insurance has several subcategories of coverage.

• Collision Coverage is to cover the repair or replacement of your motorcycle as a result of an accident.
• Comprehensive coverage is for vandalism and damage because of things like hail and fire.
• Liability Coverage is one of the most important aspects of motorcycle insurance in TX and is subdivided into three. The accident itself, the injuries of another person, and damage sustained to property. Carefully review these amounts to ensure you have enough coverage.
• Medical bills coverage is for injuries that you and your passengers may sustain, this can be supplemented with PIP insurance. TX requires all auto insurance policies to include PIP coverage. PIP stands for personal injury protection
• A final important category of coverage is for if the other driver is underinsured or uninsured and you need to claim from your insurance. Like PIP, it must be included.

In the interest of safety, before you head off into the sunset with your new wheels and the engine at full throttle, make contact with Texas Independent Insurance serving the city of Allen, TX today.

Laws will vary from state to state, but in Allen, TX, you are required by law to carry liability insurance on a motorized bicycle.

For human-powered vehicles, it’s another matter. Your homeowner’s insurance policy will typically cover a bicycle up to a certain limit. Even if you have a whole garage full of bicycles, when you take one out, it will be covered by your off-premises policy. This means that if it’s stolen, your home insurance will cover it.

But when you add a motor to it, that’s another story. Your home insurance provider will no longer cover it. So even if it weren’t required by law, it would be a good idea to call Texas Independent Insurance about getting it protected with an insurance policy.

In many ways, buying insurance for a motorized bicycle is no different from buying insurance for a full-size motorcycle. It is technically a cycle with a motor in it, so technically, a motorcycle and your motorcycle insurance provider should have no problem writing up a policy for your ride.

This goes for both gas-powered and electric-powered bicycles. If it’s powered by something besides your own two feet, it’s technically a motorcycle and has to be insured as such. A motorized bicycle may be much lighter than a Harley, but once you put a motor in it, it can do a lot of damage, so that liability protection will be mandatory.

If you’re looking to get covered in Allen, TX, or if you have any questions, get in touch with Texas Independent Insurance and see what they can do for you.