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Motorcycle Insurance in Texas

Anyone who rides a motorcycle knows how freeing it can feel, especially those who live in areas with wide open roads, like Texas. Not only does Texas have wide open roads to enjoy cruising with the wind in your hair, but it also has rolling hills, deserts, and over 600 miles of shoreline highways. Texas also has miles and miles of farm roads to cruise down, or busy highways, depending on your preference. While motorcycles are usually the sign of a rebel who likes to have fun, you still need to obey the laws of the state of Texas when it comes to safety on your bike.

After obtaining your motorcycle and the license for it, you must next obtain Texas motorcycle insurance, according to the Texas DMV. The lawmakers in Texas have set minimum requirements for insurance on motorcycles. First, however, we should take a look at what the DMV defines as a motorcycle to make sure that your vehicle qualifies as one. The vehicle must have three wheels at the most and a saddle for the driver to sit in. Tractors do not count in this case. Knowing what the motorcycle insurance requirements are will help you to determine what coverage you will need when getting your Texas Insurance quotes. Wearing a helmet while riding in Texas is not required as long as you meet the DMV’s criteria. In order to forego your helmet you must be over 21 years-old and have a health insurance plan that will cover any medical expenses if you are in a motorcycle accident. If you fail to get insurance for your motorcycle and get caught you could face penalties such as a fine, impounding of your motorcycle, or even having your driver’s license suspended. The money you save skipping paying for insurance will not be worth it if you end up getting caught.

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Texas Motorcycle Insurance Rates are competitive. In order to receive the most competitive pricing on insurance you should request several companies to provide you with Texas motorcycle insurance quotes. Shopping around for Texas motorcycle insurance rates will ensure that you get the best coverage for you for an affordable price. Having the proper insurance for your motorcycle can allow you to ride with the peace of mind that if something should happen, you are covered. Many companies who provide motorcycle insurance in Texas will allow you to get a quote online. If you are unable to get a quote online, you could always give them a call and they can help you over the phone.

Remember, having motorcycle insurance doesn’t just protect those driving around you, it also protects you and your property in the event of an accident. Not only will it protect you, but it will keep you from incurring any penalties from the state of Texas if you get caught operating your motorcycle without at least their minimum required coverage.