Your Texas Motorcycle Insurance Specialist
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Motorcycle insurance today. We will tailor your coverage's and price to your needs and
budget!
Texas Motorcycle
Insurance
Texas motorcycle insurance is now more affordable than ever
before, and it offers a wide range of choices for the Texas biker. Durand Insurance wants to offer
competitive quotes on
motorcycle insurance in Texas.
Because there is no single statewide policy that offers “blanket protection” against
all possible perils, it is best to work with an agency like Durand Insurance who can determine which perils you are
most likely to face on the road based on when and where you operate your bike. This information then helps us to
recommend specific coverage options within the boundaries of state and carrier requirements that will provide you
with the best possible indemnity should an accident occur.
Durand Insurance can provide you with any number of specific coverage options that
your agent can help you choose to best insure your motorcycle or ATV Insurance, your finances, and your physical
well being.
Collision
Coverage
Collision coverage is an essential requirement for every Texas
motorcycle insurance policy. It covers repair and replacement costs for the bike if damaged or destroyed in a
collision.
Comprehensive Coverage
Sometimes incidents occur that do not involve collision with
other vehicles. Durand Insurance can provide you with comprehensive motorcycle insurance coverage that will
pay for repair costs for damages resulting from such an incident for and example, fire, theft, malicious
mischief, storm damage to name a few destructive perils. You may automatically receive $1,000 dollars worth
of coverage when you purchase comprehensive coverage, this coverage applies to your personal
effects.
Basic Liability Limits
Even the most careful bikers sometimes cause an accident that is
subsequently ruled their fault. If this happens to you, basic motorcycle liability insurance will cover the
damage the accident causes to the other party. Normally, this also protects you from having to pay damages
that are ruled your legal obligation, provided these costs do not exceed policy limits.
Uninsured /Underinsured Motorist
Coverage
This form of motorcycle insurance protects Texas bikers from
those with no insurance or inadequate policy limits. Should you be hit by an uninsured or underinsured
driver, this plan will pay for damages to your insured cycle caused by the uninsured
motorist.
Passenger Liability Coverage
Texas motorcycle insurance requirements call for separate
liability coverage for passengers on the insured owner’s bike.
Passenger liability is recommended for anyone operating a motorcycle that plans to
carry a passenger on his or her bike. Being ruled at fault in such an accident could result in you being held
liable for your passenger’s injuries. This coverage will cover the medical cost of your passenger’s bodily injuries
within the policy’s limits.
Medical Payments Coverage
Should you have an accident that is not ruled your fault; you may still be seriously
injured. The other party involved in the accident may have a policy limit far below your medical costs. Adding this
coverage option to your Texas motorcycle insurance policy can cover your medical payments within policy limits,
however it is very expensive.
Possible Discounts
The cost of motorcycle insurance in Texas is lower than ever. Premium rates, of course, depend on
many factors such as community rating systems, individual driver records, and the nature and age of your
bike.
It is always good to work with an agent who can assess your personal history and
balance that against vehicle rating formulas. Many times excellent credit and accident free history can help you
obtain better, overall rates on motorcycle insurance in Texas.
Durand Insurance may also be able to obtain motorcycle coverage
discounts for you under any or all of the following categories:
- Multiple policy discounts - there is a
discount for homeowner insurance & auto
Insurance.
- Motorcycle safety discount for passing a
motorcycle safety course
- Motorcycle organization discount if you
belong to an approved organization.
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