Motorcycle Insurance Quote Forms
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Motorcycle Insurance Information
Motorcycle Insurance Agency Serving El Paso and Surrounding Areas
Motorcycle Insurance in El Paso
When it comes to finding an all-inclusive policy for your motorcycle, El Paso Low Cost Auto Insurance is your best choice. We are highly-reviewed for providing locals with quality insurance services and policies that are cost-efficient.
Our great team of agents wants to find you the most affordable and guaranteed policy there is. Contact our company to learn more about what our motorcycle insurance services can do for you!
Why You Need Insurance for Your Motorcycle
The reality of being on the road comes with a risk and when you drive a motorcycle, the stakes are a bit higher. With motorcycle insurance, however, you'll be able to enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers, or your investment.
Even more, it typically costs a lot more money to fix or replace a motorcycle than an automobile if you’ve been in an accident and if you were to pay out of pocket. It is also critical to inquire about motorcycle insurance should you or a passenger be injured since medical costs tend to be extremely expensive.
Ultimately, if you are found liable for damages or injuries done to others, this is where having a policy can help. And lastly, motorcycles don’t come by easily. Treat your motorcycle as the prized possession it is by giving it the protection it deserves!
Motorcycle Insurance Coverage Options
Insurance for your motorcycle, similar to automobiles, can cover the following:
- Medical Payments
It is best to find a policy that has all of these elements in one that way you don’t have to have multiple policies.
Personal Injury Protection (PIP)
Some companies offer personal injury protection, meaning you won’t be at fault ever, no matter what kind of accident you find yourself in. It covers the medical expenses associated with an auto accident. If a motorcycle insurance policy offers this, it is worth considering.
Tips for the Cost-Conscious Rider
Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live, the type of motorcycle you own, and whether or not you have completed a rider-training course.
Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course, which is why it is recommended that this demographic of motorcyclists look into classes. Maintaining a good driving record with no violations will also help reduce your premiums.
In many northern states, riders may save money by buying a "lay-up" policy. With a lay-up policy, all coverage except comprehensive is suspended during the winter months.
You can also find out what discounts your insurance representative offers. Multi-bike discounts are offered for those insuring more than one bike and there are organization discounts if you're a member of a motorcycle association. You might also be able to find a discount for mature and experienced riders. The possibilities can go a long way in finding a budget-friendly policy. Discounts typically range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company-to-company and state-to-state.
It is also important to keep in mind that the type, style (such as a sports bike vs. a cruiser), and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike, may also affect how much you pay for your premium.
FAQs For Your Agent
Your agent is here to help you narrow down your options to find an insurance policy that meets your specific needs.
Here are a few frequently asked questions to consider as you prepare for a consultation with an agent:
- What's the process for filing and settling a claim?
- How much can I afford to pay if my motorcycle is in an accident, damaged, or stolen?
- What would my savings look like if I increased my deductible?
- What discounts and programs are available?
- Are there discounts for taking safety classes or having multiple policies for my motorcycle?
- Can I save money if my motorcycle is stored safely or if I belong to a motorcycle association?
- How much medical and liability coverage can I receive?
- Does the insurance company I sign up with have a good reputation for customer service? Is it known for paying claims fairly and promptly?
Get Started With An Insurance Quote
You take a risk every day when you’re on the road. When you have insurance, you can drive with the knowledge that both you and your vehicle are protected. Find the motorcycle insurance that works best for you by filling out an online form or by giving us a call. We want to help you find the best deal in a policy!