Motorcycle insurance

Motorcycle Insurance

Riding a motorcycle in West Texas gives you freedom and incredible views, but it also exposes you to serious risks on the road. Texas requires liability insurance for motorcycles just like cars, but smart riders carry additional coverage that protects both them and their bikes. Wind is a constant factor on Lubbock roads, and visibility can drop to nothing during dust storms, making defensive riding essential and comprehensive insurance critical.

Your motorcycle insurance should include collision coverage for accidents and comprehensive coverage for theft, vandalism, and weather damage. Motorcycles are frequent theft targets, and a bike parked at your home or apartment is vulnerable without proper coverage. Comprehensive insurance also covers damage from hail, which is a real concern when storms pop up suddenly and you're caught away from covered parking.

Medical payments coverage and uninsured motorist protection matter more for riders than car drivers because you lack the physical protection of a vehicle. If another driver hits you and doesn't have insurance, or leaves the scene, you need coverage that pays your medical bills and repairs your bike. Medical costs from motorcycle accidents can be substantial, and uninsured motorist coverage fills the gap when the at-fault driver can't or won't pay.

We work with carriers who understand motorcycle riders and offer competitive rates for various bike types, from cruisers to sport bikes. Custom parts and equipment coverage protects modifications you've made to your bike, which standard policies might not fully cover. Whether you ride daily, on weekends, or just a few months a year, we'll find coverage that matches your riding habits and protects you when you're on Lubbock roads or touring through the Hill Country.