Motorcycle Insurance in Katy, TX
Accidents and breakdowns can happen when you least expect them, and the financial impact may be overwhelming if you’re unprepared. Motorcycle insurance can help financially protect you from these unexpected expenses, so you’re not left paying out of pocket.
What Does Motorcycle Insurance Cover?
While every rider’s needs are different, most motorcycle owners can benefit from the following:
- Liability coverage may cover third-party bodily injury and property damage if you’re at fault in an accident.
- Collision coverage may reimburse repair or replacement costs if your motorcycle is damaged in an accident, regardless of fault.
- Comprehensive coverage may help pay expenses following noncollision events, such as theft, vandalism, fire or weather-related damage.
- Uninsured/underinsured motorist coverage may step in if you’re hit by a driver with little or no insurance.
- Medical payments coverage may help pay medical costs for you and your passenger following an accident.
How Much Do Policies Cost?
Your premium is typically influenced by the type of motorcycle you ride, your driving history and the coverage options you select. Other considerations include your age, where you live and how often you use your bike. Adding comprehensive and collision coverage, or increasing your coverage limits, may raise your premium.
However, discounts may be available for being a safe rider, completing motorcycle safety courses or bundling your motorcycle policy with other insurance products. Requesting a personalized quote and comparing your options may help you better understand how much you’ll pay for your policy.
We’re Here to Help
Whether you use your motorcycle for daily riding or as a weekend cruiser, having the right motorcycle insurance is essential. The agents at Katy Insurance Agency are ready to discuss coverage suitable for your needs and budget. Contact us today to get started.