What You Need to Know about Motorcycle Insurance in Texas

You are finally buying a motorcycle! This is something you’ve dreamed about for a long time, and it is happening for you at last. It’s time to be realistic and look into exactly what this purchase entails. How much do they cost? What kind of insurance do you need? How can you keep your motorcycle running well for years to come? Let’s answer these questions and more right now!

Motorcycle prices can vary wildly, but on average, if you’re buying a new motorcycle fit for a beginner, you’re probably spending anywhere between $5,000 and $10,000. If you have good credit and a bit of cash on hand, a down payment will be well within your reach. It’s time to get excited, because this is really happening!

Be sure you understand the real cost of motorcycle ownership. Remember, it’s not just the motorcycle itself you’ll need to purchase. Just like a car needs car insurance, your new motorcycle needs Texas motorcycle insurance. Once you find the bike you want, reach out to a motorcycle insurance agency like Pronto Insurance. You can do this online for the utmost convenience. Our industry experts will go over everything with you and provide you with a free quote. 

Just like all other states, Texas has requirements for motorcycle drivers in terms of their insurance policies requirements. At minimum, you must have insurance that will cover $30,000 per person injured in an accident, $60,000 per accident itself and $25,000 for damage to property. This is the same coverage minimums required for car insurance. 

You don’t have the safety and security of side wall air bags or even the walls around you to protect you so when you get into an accident on your bike. For this reason, there is a huge potential to have more damage and more injury on a motorcycle than compared to someone who is driving a car. After all, you’ll be on the road with cars, trucks, and SUVs much bigger than your motorcycle and you want to ensure it’s repaired should it ever be damaged. 

“Oh no! My dream won’t come true!” you think when you consider the cost of insurance. Actually, this won’t be expensive at all, so don’t let the prospect of finding motorcycle insurance in Texas make you rethink the purchase you’re so excited about. If you are over 25 and have a good driving record, you can get a great rate, possibly under $500 a year/ $42 a month.

You can take a motorcycle nearly every day of the year in Texas because we have such great weather. You’ve been wanting to ride a motorcycle for years. This is finally your chance to get one! Shop for a bike you can’t wait to ride, cover it with affordable insurance through Pronto Insurance, and then hit the Texas open roads.