What Are Some Common Motorcycle Insurance Discounts?

Motorcycle insurance policies often come with various discounts to help you save money on your premiums. Some of the most standard discounts include maintenance of a clean driving record, security features installed on your bike, multi-policy savings, and a variety of age-related factors. Atzenhoffer Insurance Agency in Victoria, TX offers you this guide in navigating motorcycle insurance.

Common Motorcycle Insurance Discounts

Even though most standard motorcycle insurance policies do not require you to maintain a clean driving record to be covered, many insurers offer a discounted rate if you can keep a clean driving record. This can save you up to 15% on your premium. 

Separate policies can often save you up to 10% on your motorcycle insurance policy. This especially happens when a significant other drives a car and wants the coverage. If your motorcycle has security features installed, you may receive up to a 15% discount on your policy. This includes things like anti-theft devices. 

If you can combine your motorcycle insurance with other types of insurance, you may receive up to a 10% discount. It’s more experienced if you’ve got a significant other who drives a car and wants the coverage.

Best Motorcycle Insurance for You

Finding the best motorcycle insurance for you will depend on several factors, such as your current level of insurance protection and the type of bike you plan to ride. 

Many insurers offer a discount on motorcycle insurance if you have a policy with them for several years. Some insurers will even offer a guaranteed rate if you ride a certain brand of bike. 

Some companies offer better rates for riders who take a safety course, so it’s worth the investment. You should also make sure your policy has adequate coverage. 

Install Security Features on Your Bike 

Consider installing a high-quality lock, such as a U-lock, chain lock, or cable lock. Make sure to choose a lock that is appropriate for your bike. A high-quality lock also means that it is difficult to crack. 

Keep your bike in a well-lit, public area, or consider installing a bike shed if you live in an apartment or condo. Install a solid lock to keep your bike secure, invest in a bike bell to let pedestrians know you are coming, and get a light for riding at night. 

You might also consider getting a bike tracker if your bike gets stolen. Conveniently, most smartphones are now equipped with a GPS that can be used to track your phone when stolen or lost.

Need Professional Advice?

Call Atzenhoffer Insurance Agency to join happy clients in Victoria, TX.

Common Myths About Motorcycle Insurance

Are you thinking of buying a motorcycle? Most people think about it at some point in their lives. If you already decided to become a motorcycle owner, you should remember that you will also have to purchase motorcycle insurance in order to protect your new precious investment and yourself on the road. Unfortunately, motorcycle insurance has a lot of myths that should be debunked, and here is a list of a few of them. 

Common Myths About Motorcycle Insurance:

  • It is enough to have minimum coverage. Most motorcycle owners want to save money on insurance and purchase the minimum. However, the minimum coverage is not enough in most cases, especially when serious road accidents occur.
  • It is ok to cancel your policy during the winter months. Many motorcycle owners do not ride their motorcycles in winter and therefore decide to cancel their policies. However, in most cases, this causes their insurance rates to increase. Moreover, starting and stopping motorcycle insurance may also create a chance that a motorcycle owner’s registration will be canceled. 
  • Auto insurance covers motorcycle accidents. Motorcycles are excluded from auto insurance policies, which means that your auto insurance will not cover damages and losses associated with a motorcycle accident. For this reason, if you ride a motorcycle, make sure that you purchase a separate policy for it. 

Atzenhoffer Insurance Agency in Victoria, TX – We Help Our Clients to Get Insurance They Need and Deserve

If you live in Victoria, TX or any other nearby town in Texas and you are thinking of getting motorcycle insurance to be protected on the road, Atzenhoffer Insurance Agency will be glad to assist you in finding a perfect policy. Our experienced insurance agents specialize in all types of insurance, including motorcycle insurance as well. They will be glad to answer your questions and provide you with the information you need. 

What Are the Reasons For Having Motorcycle Insurance?

Riding a motorcycle is fun, but it also can be dangerous. Therefore, it is important to have such reliable protection as motorcycle insurance. The purpose of motorcycle insurance is to protect you in case of an accident, theft, damage, or any other unfortunate situation. If you are not sure whether you should get motorcycle insurance or not, Atzenhoffer Insurance Agency serving Victoria, TX prepared a list of reasons why having this type of insurance is important:

Motorcycle Insurance Will Help You If You Are Injured

One of the main reasons why motorcycle owners should have this insurance is that it protects them and their motorcycles by providing personal injury and collision coverage. It will reimburse medical expenses, lost income, and childcare if you are injured in an accident. 

Motorcycle Will Cover Your Vehicle If It Gets Damaged

Most motorcycle insurance policies pay for damages caused to a motorcycle if you are involved in an accident with another motorcycle, car, building, or object. 

Stealing Motorcycles Is Very Common

Motorcycles are stolen much more often than cars. According to the National Insurance Crime Bureau, more than 41,000 motorcycles were stolen in the United States in 2018. For this reason, it is worth having proper motorcycle insurance that will cover theft.

Atzenhoffer Insurance Agency in Victoria, TX

Motorcycle insurance is important to have if you want to feel safe on the road, protect yourself and your motorcycle. If you are currently searching for a policy that will match your individual needs and requirements, Atzenhoffer Insurance Agency is ready to assist you. Feel free to contact our agency to know more about the options available or to receive the initial insurance consultation. 

Is Motorcycle Insurance Required in Texas?

For motorcyclists in Victoria, TX, one common question lingering in people’s minds is— is it mandatory to be insured? 

The answer is YES! Every motorist on public roads in Texas should be insured against liability, which makes motorcycle insurance a legal requirement. 

What’s the main purpose of motorcycle insurance? As you’ll learn from Atzenhoffer Insurance Agency, this coverage mainly proves your financial capability to pay for losses resulting from an accident where you were at fault.

Types of Motorcycle Insurance Coverages You Should Know

When you’re on the road with your motorcycle, several unexpected accidents can happen. For instance, you may roll-over, hit a pedestrian, or collide with a vehicle. After an accident, the first thing to happen is to identify who’s at fault. 

If you’re at fault, then the financial burden of paying for the losses is placed on your shoulders. If you weren’t adequately insured, you’d have to incur some out-of-pocket expenses. 

Luckily, since it’s a legal requirement to have liability coverage, your insurance company will cover costs arising from property damage or bodily injuries caused to other people. 

But what happens to yourself and your motorbike? That’s when having additional coverage comes to save the day. Some coverages that you need to protect yourself include:

  • Personal injury protection: PIP will pay you for bodily injuries and loss of income following an accident.
  • Underinsured/uninsured protection: If the person at fault is uninsured/underinsured, you’ll need this coverage to protect yourself.
  • Collision protection: This coverage covers the expenses for your motorcycle repairs.
  • Comprehensive coverage: You need to protect your investment from theft, vandalism, and weather. That’s when this coverage is important.

Get Motorcycle Insurance Today

Are you a motorcycle owner in Victoria, TX? You can’t ignore motorcycle insurance. However, you need a reliable partner to get you the right coverage for your needs.

At Atzenhoffer Insurance Agency, we’re ready to help you get motorcycle insurance in Texas. Contact us today.