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Your Guide to Better Motorcycle Insurance

At Hastings Insurance Agency LLC, our team can help Tomball, TX residents find motorcycle insurance that suits their needs. If you’re still not sure why you need a policy or what they do to help you, please make sure that you pay attention to the information below.

How Motorcycle Insurance Protects You 

Here are a few ways that motorcycle insurance protects you:

  • Bodily injury protection in case you or another rider gets hurt
  • Property damage liability to pay for repairs or replacements
  • Liability coverage to protect other people you hurt in a crash 
  • Uninsured motorist policies that help you if others don’t have insurance
  • Collision coverage to pay for all collision damage
  • Comprehensive coverage to pay for other issues

Extra Coverage Options 

Note that your insurance can also include riders or additional protection types that expand its scope. It’s a smart idea to consider a few of the options below if you ride your bike regularly and want to keep it fully protected:

  • Total loss coverage to protect you if your bike is very damaged 
  • Special equipment protection to handle custom enhancements on your bike
  • Roadside assistance and trip interruption in case you break down

Texas Requires Some Insurance 

Texas motorcycle owners need a minimum of liability protection or what is called bodily injury and property damage (BI/PD) protection. It won’t protect you, but it does help others in the crash. You can update your policy with personal injury protection if you need support here.

We’re Here to Help

At Hastings Insurance Agency LLC, we have years of experience helping Tomball, TX residents find the insurance policies that make sense for them. Contact us today to learn more about your options, and we’ll do whatever we can to ensure that you’re satisfied with your choice.

Usage Based Motorcycle Insurance

Driving a motorcycle is an exhilarating and fun way to travel. It allows you to enjoy the outdoors without slowing down, but it can also be costly in terms of insurance and maintenance. Usage-based insurance programs reward you based on your riding habits, meaning that safe drivers are rewarded for being responsible on the road.

What is Usage-Based Motorcycle Insurance?

Usage-based insurance considers factors like speeding, acceleration, mileage, the time of day you drive, and forced braking. It uses that data to give you a driving score and tips to help improve it. Therefore, the better you ride, the more potential for it to pay off financially. 

Benefits of Usage-Based Insurance

Riders are drawn to this kind of insurance, typically for financial reasons. If you abide by traffic law by following the speed limit, keeping a safe distance between you and the vehicle in front of you, and not slamming on the brakes, you may be eligible for a discount. However, usage-based insurance isn’t just financially beneficial. Incentivizing drivers to be safer benefits everyone on the road.

Is Usage-Based Motorcycle Insurance Right for Me?

Yes! That is to say, if you want to be held accountable for driving safely and potentially rewarded for it. It’s no secret that additional dangers are posed to motorcycle riders, but you can mitigate them by being a safe rider. Additionally, riding safely reduces your risk of costly accidents and painful injuries. 

Looking for Insurance in Tomball, TX?

At Great Southern Agency, we know how much you love riding your motorcycle on Texas highways and country roads. One of our expert agents will match you with the policy that fits your unique needs. 

Call Great Southern Agency in Tomball, TX today to learn more about this vital coverage. 

Guide to Safely Driving a Motorcycle

While it is impossible to deny the fun factor that motorcycles possess, they are far more dangerous than driving a car. With a motorcyclist 30 times more likely to be in a fatal accident compared to a motorist per the Insurance Information Institute, it is imperative that motorcyclists practice safe driving techniques while on the road.

Purchase the Right Gear

Looking your best may be a priority for a normal life, but when you are on a motorcycle, you need to prioritize function and safety over the fashion of your outfit. Wearing shorts and a t-shirt – no matter how hot it is outside – or simply jeans will not protect your extremities during an accident. Motorcyclists should be wearing a DOT-approved helmet, specially designed motorcycle jacket and pants that allow for ventilation, and gloves for hand protection. 

Steer Clear of Distractions

A motorcyclist should avoid distractions like their phone, but they also need to be aware of other motorists. Whether a driver is sipping their Starbucks, fixing their hair for work, or on a cell phone, distracted driving is on the rise, posing a significant threat to motorcyclists. If you notice a vehicle veering from its lane or driving erratically, pass when safe or slow down to avoid potential issues. 

Watch for Debris

Sand, gravel, water, and other debris can be a motorcyclist’s worst nightmare. Consequently, it would be best if you always were looking ahead and remain vigilant for unstable road conditions. 

Ultimately, one of the best ways to protect yourself and others while on a ride is to have adequate motorcycle insurance. The knowledgeable team at Great Southern Agency in Tomball, TX is looking forward to helping you with your motorcycle insurance needs.

Risks Of Not Having Motorcycle Insurance

If you decided to get yourself a motorbike, you should also consider getting motorcycle insurance that will protect your precious vehicle, you as a motorist, and other people on the road. However, many motorcycle owners decide to save some money and not purchase motorcycle insurance. If you are one of them, you should realize that you will face a certain number of risks while riding a motorcycle without proper motorcycle insurance. 

Risks of Not Carrying Motorcycle Insurance

  • You can risk facing legal consequences by riding without motorcycle insurance. In the state of Texas, it is illegal to ride a motorcycle without proper insurance. Therefore, a variety of different penalties may result, including tickets, fines, court appearances, license suspension, points on your driver’s license, and others. 
  • The damage to your motorbike is not covered. If you are involved in a road accident and your bike is damaged, you will have to pay for repairs or replacement out of pocket. 
  • You will be responsible for the injuries and medical bills of other people. If you cause a road accident and other people get injured, you will be responsible. As a result, you will have to cover their medical expenses and bills.

Great Southern Agency serving clients in Tomball, TX – An Insurance Agency You Can Trust

If you are a lucky owner of a motorcycle in the state of Texas and you are in Tomball, TX or any other surrounding town, you should not forget about getting a proper motorcycle insurance policy before hitting the road. If you are not sure what policy you need and how to choose motorcycle insurance, contact Great Southern Agency. We have years of experience, and we know how frustrating the process of choosing insurance may be. We will do our best to find you an insurance policy addressing your needs and requirements. Do not hesitate to give us a call at any time – we are always here for you. 

Best Motorcycle Insurance Tips to Protect Your Bike

Tomball, TX is known for its huge number of individuals with motorcycles. However, as a resident of this region, you need to work with the Great Southern Agency to get your motorcycle insurance before hitting on the roads. However, you need to understand some of the best motorcycle insurance tips to protect your bike. 

Look for Specialty Coverage

You don’t have to always work with an average motorcycle insurance policy that covers the basics. To protect your bike well, you need to look for specialty coverage. Insurance companies offer many specialty coverages. Make sure that the specialty coverage you want to be included is stated on the policy.

Accepting Young Riders

If you’re a young rider, there is no doubt that you will struggle to get an insurance company that is ready to give you bike insurance. However, you don’t have to give up on your quest to protect your motorcycle. Some insurance companies accept young riders. Work with an insurance company that understands your riding skills and which is ready to help you despite your age.

Customized Bike Insurance

Another challenge you will get when looking for motorcycle insurance is a policy covering customized bikes. Obviously, a customized bike is more valuable than an ordinary bike, and you have to protect it at all costs. Therefore, it is necessary to look for an insurance company willing to give you an insurance policy for a customized bike. It is important to remember that you will have to pay a higher premium for customized bikes than you will pay for ordinary ones.

The Great Southern Agency is a leading motorcycle insurance provider in Tomball, TX. Our company understands that there are many issues facing motorcycle owners, but we are ready to help bikers throughout Texas find reliable insurance protection for their bikes.