Category: Motorcycle Insurance

At Allied Insurance Agency in Amarillo, TX, our skilled team of insurance professionals guides owners of various vehicles, including motorcycles, to understand whether they legally require insurance. Although insurance laws differ from one state to another, in Texas, the requirement for minimum coverage extends to all vehicle owners.

Is Motorcycle Insurance Mandatory in Texas?

According to the Texas Department of Insurance, every motorcycle owner must maintain an insurance policy carrying a minimum liability limit of $30,000 per injured person. In addition, the laws necessitate a minimum liability of $60,000 per accident and $25,000 for property damage per accident in a motorcycle insurance policy. Familiarized with the “30/60/25” coverage, these minimum requirements may not always address your specific insurance needs. Opting for higher coverage can provide financial security in circumstances needing expansive coverage. Other policy features may warrant considerations, such as replacing a stolen motorcycle.

Texas law imposes the same requirement on all vehicles. Our competent team can simplify your understanding of the minimum coverage and propose alternatives that are best suited to your lifestyle and personal circumstances.

For more information on how to comply with the legal insurance requirements for your motorcycle or other vehicles in Amarillo, TX, contact the expert team at Allied Insurance Agency today!

The state of Texas has the perfect weather to ride motorcycles all year round. But before you get on your ride, you better have motorcycle insurance. Newcomers to riding bikes should seek out tips on buying an insurance policy. Allied Insurance Agency in Amarillo, TX can assist with purchasing the right motorcycle insurance coverage for your riding experience. 

Texas Motorcycle Insurance Requirements

To ride a motorcycle in Texas, you will need some form of liability insurance. It will help pay for all damages and injuries sustained by either party following a road accident. Insurance companies call this type of coverage "bodily injury or property damage" in most policies.

The wording guarantees the motorcycle will be restored to its original design and condition. The coverage will try to acquire all original manufactured parts during the repair process. If unavailable, the replacement motorcycle parts will be custom-made.

Other Important Motorcycle Insurance Coverage Options

Often, a basic motorcycle insurance policy needs more coverage besides liability. Other coverage options include comprehensive, collision, medical, and uninsured motorist. All provide more financial protection than a basic motorcycle insurance policy. 

Comprehensive coverage protects your motorcycle from fire, theft, and vandalism. Collision coverage pays for all repairs to your bike following a road accident with a vehicle or another motorcycle. Also, the policy wording should include coverage if you lay down your cycle to avoid a potential collision on the road. Medical coverage will pay all hospital bills, regardless of who is at fault. Finally, uninsured motorist coverage protects you if the other party involved in the accident has no or minimal insurance coverage. It should pay for all medical bills, repair costs, and lost wages due to injury.

Schedule A Consultation Today

Protecting yourself and others while riding your motorcycle is every rider’s top priority. Consult with us at Allied Insurance Agency in Amarillo, TX to discuss all insurance coverage options available. Our staff can create a policy that protects you in case of an accident. Call and schedule an appointment today. 

The vintage motorcycle market is booming. Enthusiasts often look for valuable and rare vehicles, which means they require special care and attention. Therefore, if you’ve just purchased a vintage motorcycle or plan on buying one, here’s everything you need to know about navigating the world of vintage motorcycle insurance.

Protect Your Investment with Agreed-Value Coverage

When your policy is written, you should have an agreement with your insurance agent about the vehicle’s value, especially as vintage motorcycles are often very expensive. With agreed-value coverage, you’ll receive the agreed-upon value in the case of theft or damage rather than the depreciated value you would receive with standard insurance policies. 

Consider Specialized Insurance Coverage

Your motorcycle has different needs to standard, modern ones, and it is probably more valuable and requires special upkeep. Even if you’re planning on keeping your vehicle safely tucked away and barely, if ever, riding it, you need a policy that offers coverage for parts, accessories, and restoration costs. 

Don’t Forget About Liability Coverage

Imagine you’ve taken your vintage motorbike to a convention or show, or you’re simply showing it off to a friend. They try to ride it and get hurt, or the motorbike falls and hits someone else’s. Regardless of the vehicle’s age or cost, any vehicle owner is aware of the importance of liability coverage, and your vintage vehicle is no different. 

Reach Out To Us!

Navigating the world of motorcycle insurance for a vintage motorcycle can be overwhelming. Fortunately, we will guide you through the process at Allied Insurance Agency in Amarillo, TX. We provide expert customer service to our clients and plan coverage with your best interests in mind. 

Don’t wait to insure your vintage vehicle! Call Allied Insurance Agency in Amarillo, TX today. 

Most people are under the impression that motorcycle insurance and auto insurance are the same things. The truth is, though, that bikers can save a lot of money by having a customized motorcycle insurance policy. At Allied Insurance Agency, serving Amarillo, TX and the surrounding areas, we are here to help you understand the differences in these types of policies so that you are always properly covered. 

Is Motorcycle Insurance A Big Deal?

Yes, it is very important that you have the proper type of insurance coverage in place. If you fail to have your bike properly insured, it could result in legal actions, fines, and great costs to you. There is a greater risk of accidents and injury for bikers. Which is one reason why you should always have insurance in place. 

What Will Happen If I Don’t Have Motorcycle Insurance?

If you fail to have insurance in place you could risk losing your license. You may also face steep fines or legal actions. If you cause damage to another vehicle or injury to a person, you might also be held liable for their expenses as well. Legal fees could also result if the injured parties decide to take you to court. 

If you have proper insurance in place, though, the insurance policy will help to pay for these types of expenses. 

Should I Take A Motorcycle Safety Course?

Sometimes you can get discounted insurance rates if you have participated in a motorcycle safety course. This is a good idea anyway as it helps you operate your bike in the safest manner. 

Get Motorcycle Insurance Today

If you would like to learn more about motorcycle insurance, or any of our other insurance products, please contact us at Allied Insurance Agency, serving Amarillo, TX and the surrounding areas. 

Motorcycle insurance premiums depend on the risk of the bike and the rider. If you have the lowest risk profile, shop for a good deal. Before you buy a bike, what you do can also significantly affect your insurance premium. Buying a bike from a dealer can lower your premium, but buying it from a private seller without a bill of sale will likely raise your premium. 

Selecting the right rider profile on your policy can reduce your premium. Keeping your bike maintained and storing it in a secure location will lower your premium. For questions, Allied Insurance Agency can help. The agency gladly serves clients in Amarillo, TX and surrounding areas.

How to Go About the Best Deal 

Shopping around and comparing different companies will help you get the best deal on motorcycle insurance. When involved in an accident, it protects you from uninsured/underinsured motorist coverage. You may also consider opting for a guaranteed replacement cost coverage policy. It will ensure you’re covered for the full cost of replacing your motorcycle if it is damaged or stolen. 

Most insurers have discounts for clean driving records for a certain period. Motorcycle insurance usually costs much less than car insurance, but it’s important to ensure that you’re covered in an accident. Ensure you’re buying the right policy for your needs. 

You can get a better rate if you are a meticulous rider, you maintain your bike, and keep up with required maintenance. You can acquire a lower rate if you are younger or have a larger motorcycle endorsement on your insurance policy. Most insurance companies offer a multi-line discount that reduces your premium if you have car and motorcycle insurance. 

Contact Us Today

Motorcycle insurance is not one-size-fits-all. Most providers allow you to pick from various levels of coverage to suit your needs. Be sure to shop around and compare the various policy options, coverages, and deductibles to find what suits your needs at the best price. It’s also important to maintain good motorcycle insurance policy history. Accumulating a few violations or claims can increase the rate. For help and advice, call Allied Insurance Agency in Amarillo, TX for the best services.

Riding a motorcycle is not for the faint of heart and on a busy roadway, your ride can become a nightmare in rapid fashion. From dodging pedestrians to merging onto a slippery line to avoiding distracted drivers, being a motorcyclist requires patience, diligence, and a keen eye towards safety. 

Watch the Mirrors

Paying attention to the head movements of drivers in front and behind you is one of the best ways to anticipate their next move. Since we started driving, motorists are taught to turn their head in the direction that they are turning before doing so to be sure it is clear of oncoming traffic. 

Be Diligent at Off-ramps

Drivers that decide to exit at the last minute either because they are cutting traffic or about to miss a turn, spell disaster for motorcyclists. Never position yourself between a vehicle and an offramp.

Finger on Brake

When on a motorcycle in traffic, you have to react quickly and not fumbling for the brake or pedal is imperative. To minimize lag and maximize your reflexes, always keep a finger near the break level and your right toe within close proximity to the rear brake pedal. 

Dress Appropriately

Not only should motorcyclists wear safety equipment, but also wear clothes that allow drivers and pedestrians to see you from a distance. Avoid all-black attire and switch to gear that is brightly colored so that you are easily noticeable. 

Know the Road Surface

In addition to scanning for obstacles, vehicles, and pedestrians motorcyclists should also keep an eye on the asphalt condition. Look for shiny pavement as this could be a sign of spilled oil or fuel along with gravel and sand. 

At Allied Insurance Agency in Amarillo, TX our talented and friendly team of insurance professionals are ready to answer all your motorcycle insurance questions. Give us a call to learn more. 

There are plenty of reasons to get motorcycle insurance, but the most important reason is that it allows you to ride with peace of mind. For motorcycle riders living in Amarillo, TX, the thrill of cruising the highway or participating in motorcycle activities should never be ruined with worried thoughts about the unexpected. Allied Insurance Agency is here to give you the peace of mind you need to enjoy your motorcycle safely. 

What Motorcycle Insurance Can Do for You

Some riders believe that motorcycle insurance is not that important, but they couldn’t be more wrong. In Texas, every rider must carry motorcycle insurance. There’s a reason for this, and it’s for your own benefit. By having motorcycle insurance, you not only protect your investment, but you remain compliant with the law and avoid paying expensive fines. Motorcycle insurance also protects you from liability issues, so you can ride with peace of mind wherever you go.

What Allied Insurance Agency Can Do for You

Motorcycle insurance comes with various benefits, but that’s only if you’re dealing with the right insurer. Allied Insurance Agency can help you if you’re in Amarillo, TX. We are always happy to give you value for your money and to take the stress off your shoulders by giving you the most suitable coverage for your needs. 

Get in Touch With Allied Insurance Agency Today for Motorcycle Insurance In Amarillo, TX 

Your peace of mind is the most valuable thing to have when out and about on your motorcycle. That’s why you need to prepare for the unexpected to avoid financial loss. From here, the next course of action is to get in touch with us to learn more about motorcycle insurance in Amarillo, TX. Once you discover what we have to offer, you’ll be in a hurry to sign up for our services. So contact us today to get started!