Motorcycles give their riders a sense of freedom and adventure. However, motorcyclists also run the risk of injury and property damage. Thus, you should make sure you have adequate motorcycle insurance before heading out for a ride. Here are a few things to know before shopping for coverage.

A Guide to Motorcycle Insurance 

Is Motorcycle Insurance Required? 

In Texas, the law requires motorcyclists to carry a minimum amount of liability coverage. This includes $30,000 for bodily injury per person, $60,000 for total bodily injury if more than one person is hurt in a collision, and $25,000 for property damage. Although riders are under no obligation to purchase other types of coverage, it’s in your best interest to put together a policy that mitigates as many risks as possible.  

How Much Coverage Is Necessary?

The amount of coverage you need depends on several factors. In addition to your state’s requirements, you must consider the value of your bike, how much you ride, where you live, if you plan to carry passengers, and your financial situation. If you can’t afford to pay for medical bills or repairs out of pocket should you need to file a claim, you’ll benefit from more coverage. 

Do I Need to Maintain Coverage in the Off-Season?

Even though you may not ride your motorcycle once the temperatures get colder, insurance agents recommend that you maintain coverage. Since you never know when an unexpected event, such as fire, theft, or vandalism, will occur, it’s a good idea to be covered year-round. Instead of canceling your policy, try asking for a seasonal rate. 

Are There Ways to Lower the Cost? 

Many insurance companies offer different ways for motorcyclists to cut their premium costs. The key to saving money is proving you’re a low-risk rider. You can do this by completing a motorcycle safety course, installing the latest safety features on your bike, and maintaining a riding record free of citations. Other ideas are becoming a preferred operator and bundling more than one policy from the same provider. 

The more educated you are on motorcycle insurance, the easier it will be to get the protection you need. When you work with an agent at Beadle Insurance Agency in Lubbock, TX, you can feel confident you’re receiving quality coverage at the best rate available. With more than 40 years of industry experience, these expert agents can help you effectively compare different policies and providers. Call (806) 385-3426 to request an insurance quote, or visit their website for more information.