Motorcycle Insurance in Dallas, TX
Motorcycle insurance is a smart way to manage the financial risks associated with owning and riding your bike. It may provide financial support in case of accidents, theft and other unexpected events.
What Is Included in Motorcycle Insurance?
Most motorcycle insurance policies start with liability coverage, which may help pay for injuries or property damage you cause to others in an accident. This is often required by law. Beyond that, you can add the following:
- Collision coverage may reimburse your bike’s repair costs after a crash minus your deductible.
- Comprehensive coverage may cover damage or losses due to fire, theft and other noncollision events.
- Uninsured/underinsured motorist coverage may prevent or limit financial losses if you’re hit by someone with little or no insurance.
- Guest passenger liability coverage may cover injuries to a passenger riding with you.
- Custom parts and equipment coverage may cover added accessories and modifications to your bike, including chrome parts and a custom paint job.
What Is Not Covered by My Policy?
Standard policies often don’t cover the following situations:
- Wear and tear or mechanical breakdowns
- Damage to custom parts unless you’ve added specific coverage
- Racing or using your bike for commercial purposes
- Riding outside the United States or Canada (unless specified)
What Factors Affect My Premium?
Several factors can influence how much you pay for motorcycle insurance:
- Your age and driving history
- Type of bike
- Where you live
- How often you ride
- Where you store your bike
- Your credit history
- Coverage limits and deductibles
Ask your agent if you’re eligible for discounts for taking safety courses, bundling policies or joining a motorcycle club.
Secure a Policy Today
City Auto Insurance offers a range of motorcycle insurance options to suit different riders. Contact us today to learn more.