Tag: motorcycle insurance

In Texas, riding season lasts all year long. While some days may be rainy or windy, you can still enjoy the beauty of Magnolia, TX, and beyond. Before you hit the road on your motorcycle, the best way to ensure you’re road-ready is by reviewing your insurance policy.

At Christian Insurance Agency, our agents are here to help you secure motorcycle insurance that provides peace of mind and comprehensive protection.

The Right Coverage

The right motorcycle insurance coverage protects you where you need it most.

On the road, you want coverage for situations like being sideswiped, laying your bike down, or accidentally damaging someone’s private property. Off the road, you need protection for incidents such as theft, vandalism, or storm damage to your bike while it’s parked at home.

Customizing Your Policy

Not all motorcycle insurance policies are the same. You may need additional coverage if you frequently ride with a passenger or allow others to borrow your bike. You might also choose a higher or lower deductible based on your likelihood of filing a claim.

It’s essential for your policy to fit your unique needs. That’s where working with an experienced agent makes a difference. A knowledgeable agent can assess your bike, riding habits, and lifestyle in Texas to recommend the best coverage options for you.

How Covered Are You?

Are you truly covered? Don’t assume your current policy has everything you need in Magnolia, TX. Often, adding coverage won’t significantly increase your costs. At Christian Insurance Agency, our agents can review your policy, suggest coverage additions, and provide affordable quotes from top insurance companies.

Contact us today to see how we can help you get road-ready with the right motorcycle insurance.

The treatment of motorcycles, mopeds, and scooters regarding traffic laws and insurance requirements varies from state to state. Similarly, insurance companies sometimes treat these two-wheeled vehicle types differently, while others do not. As a result, vehicle owners should focus on the laws and regulations in their home state and those they visit with their vehicles and find an insurance company that works in those states. If you live in or near Magnolia, TX, and have insurance questions, contact us at the Christian Insurance Agency for assistance.

Motorcycles, Mopeds, and Scooters

States vary widely in their handling of motorcycles, mopeds, and scooters, including:

• The types of public roads each vehicle type can use
• How or if they distinguish the vehicles legally
• Whether they distinguish them based on top speed, engine size, or engine location

In addition, some states treat e-scooters as motor vehicles; others do not.

The State of Texas does not distinguish the insurance requirements for automobiles, motorcycles, scooters, or mopeds. Texas treats each as a motor vehicle that operates on public roads, so owners must carry insurance coverage with 30/60/25 minimum liability limits, meaning the policy must cover the following:

• $30,000 per injured person
• $60,000 per accident
• $25,000 property per accident

Insurance companies also differ in whether and how they distinguish the two-wheeled vehicle types. So, shop around or use an independent agent like Christian Insurance Agency to find the best coverage to meet your needs.

Also, your home or auto policy generally does not cover e-scooter rentals, so talk with your agent before renting a scooter.

Insuring Your Motorcycle with the Christian Insurance Agency

The Christian Insurance Agency serves the Magnolia, TX, area. Our team can help with your motorcycle or other insurance needs, so call (281) 789-4070 to schedule an appointment.