Motorcycle Insurance in Texas
If you are the latest bike owner in Sanger, TX, you might have difficulty understanding some of the jargon and abbreviations being thrown around—but don’t worry. Hermes Insurance Solutions LLC is here to help you understand your policy, coverages, limits, and pricing. To help you make an informed insurance purchase, here is what you need to know about motorcycle insurance.
Motorcycle Insurance Basics
Motorcycle insurance typically works like standard auto insurance. As a bike owner, you’re required to carry the minimum liability coverage when riding your motorcycle around Texas. Other types of coverages are optional. That’s why it’s essential to speak to an insurance professional to help you choose the coverages that best fit you.
Motorcycle Insurance Coverages
To understand which coverages work for you, it’s essential to know all the options available. The coverages in standard motorcycle insurance include:
- Bodily Injury Liability
- Property Damage Liability
- Personal Injury Protection
- Collision
- Comprehensive
- Uninsured/Underinsured Motorist Bodily Injury
- Uninsured/Underinsured Motorist Property Damage
- Towing & Storage
How Much Coverage Should You Get?
There is never such a thing as “full coverage.” Every coverage comes with limits, meaning that your insurer will pay for damages up to the limits listed on your policy. Once you choose your coverages, you’ll need to determine how much insurance to buy for each. A good rule of thumb is assessing your needs and increasing your limits for top-priority coverages such as liability, comprehensive, and collision coverages.
Factors Affecting Motorcycle Insurance Cost
Certain factors influence the cost of motorcycle insurance in Sanger, TX. Generally, the answers you provide when buying the policy will determine whether your rates will go up or reduce. These factors include the type of bike you own, your age, driving record, and the number of miles you ride every year.
Let Us Help
Now that you understand how motorcycle insurance works, it’s time to get that policy and protect yourself and other road users. Give us a call at Hermes Insurance Solutions LLC, and our team will be happy to help you find a policy that meets your needs, style, and budget.
We are an independent insurance agency located in Sanger, TX, serving multiple counties of North Texas, including but not limited to: Denton, Cooke, Wise, Tarrant, Collin.
