Why Motorcycle Insurance?
Driving without insurance can earn you some serious fines and a suspension of your license. Not having motorcycle insurance would be dangerous even if it were not required – your money and assets are at risk without it. Even if you are willing to lose your motorcycle, you are financially responsible for any damage that you could cause to others or their property. If you are in an accident, others can take you to court and force you to pay. You can avoid this with insurance. If you live in Sugar Land and need motorcycle insurance, don’t delay. Call Gulledge Insurance at 281-207-0771 and get the motorcycle insurance coverage you need.
Minimum Requirements for Motorcycle Insurance
According to the Texas DMV, you must have motorcycle insurance for:
- $50,000 bodily injury coverage
- $25,000 bodily injury coverage per person
- $25,000 property damage coverage
If you are over the age of 21 and want to ride without a helmet, you will also need $10,000 of personal injury insurance.
Determining Your Motorcyle Insurance Coverage
If you are looking for more financial protection than is legally required, there are several factors to consider, including:
- Your assets: The more you own, the more you will need to protect. Remember, you are liable for any damage you cause. Liability motorcycle insurance protects you from spending all of your assets on damage that you could be accused of creating. This can also be used to determine your deductible if you purchase coverage for yourself. A higher deductible means a lower premium.
- Your income: This will play a major part in deciding what a reasonable premium is for your situation. A customized coverage package will get you the best insurance you can afford.
Finding Motorcycle Insurance Discounts
Some insurance companies give discounts based on certain factors, including:
- Driving record
- Credit rating
- Good grades
Finding the Right Motorcycle Insurance Policy
Whether you just want basic coverage to ensure that you are riding legally or you are seeking more comprehensive coverage, Gulledge Insurance can find the right policy for you. We are not a brokerage firm and do not work for an insurance company. We will shop around to find the best motorcycle insurance you can afford. If you need motorcycle insurance and live in Sugar Land, call 281-207-0771 today.