Category: Motorcycle Insurance

When you buy an e-bike, you can get some models that are pretty big and powerful. You might be tempted to make sure that they aren’t actually classified as motorcycles in Granbury, TX. At Texas Classic Insurance, we stay on top of questions like this, and our answer is both simple and complex.

When is an Electric Two-Wheeler a Motorcycle in Texas, and Not?

The simple answer is if it has a less than 750w motor, it’s an e-bike and doesn’t require motorcycle insurance, registration, or licensing. Beyond that, there are several levels of e-bike classification, from basic models with a pedal-assist-only motor and a top end of 20 mph to power-only motors that stop at 20 mph and pedal-assist models that stop assisting at 28 mph. These are classes 1, 2, and 3, but for insurance purposes, all e-bikes and not motorcycles. Just because they’re not covered by state laws like a motorcycle doesn’t mean you shouldn’t think about insurance, though. If you have or cause an accident or incur some other kind of liability, having the right insurance of other kinds can help cover these and other mobility concerns.

Electric Motorcycles Do Need Appropriate Insurance

If you have an electric Harley or other full-size motorcycle in Granbury, TX, you’ll still need insurance as you would with a gas-powered model. Even though they don’t have the same roar or other classic motorcycle sound, their power and size qualify them as a means of transportation that you should talk with Texas Classic Insurance about.

We’ll help you insure them, and if you also have an e-bike, we can talk about umbrella insurance and other coverage that can help with liability, loss, and damage to these convenient rides that can cost thousands of dollars.

Not every state requires motorcycle drivers to carry insurance. However, most states do. As a driver, you need to know which states require you to carry motorcycle insurance if you plan on driving in various states. Our team at Texas Classic Insurance is dedicated to helping Granbury, TX motorcycle drivers get the insurance coverage they need as well as understand the laws in terms of insurance coverage.

Do I need motorcycle insurance to drive in Texas?

Yes. Motorcycle insurance is a requirement in the state of Texas. Everyone who plans to operate a motorcycle in Texas must carry liability insurance for a motorcycle. Liability coverage must be carried to legally operate your motorcycle within the state of Texas.

Liability coverage helps motorcycle drivers provide financial coverage for any accidents they may cause. Bodily injury (BI) and property damage (PD) are the types of coverage provided by liability insurance. This insurance will pay any medical bills the other driver or injured person suffers as a result of an accident you cause. Any property damage you cause to the other driver’s vehicle or property is also covered by liability insurance. 

What are the coverage levels required for Motorcycle Insurance in the state of Texas?

Everyone who plans to legally drive their motorcycle in the state of Texas must carry liability insurance that includes $30,000 or more in bodily injury coverage per person and $60,000 per accident. Drivers must also carry at least 25,000 in property damage coverage.

Of course, drivers can carry more, but the state minimum levels must be met to legally drive a motorcycle within the state of Texas.

Looking for Insurance in Granbury, TX?

If you have questions regarding motorcycle insurance, we’d be glad to answer them. Call us at Texas Classic Insurance. 

In Texas, motorcyclists are required to have insurance. At Texas Classic Insurance, serving in Granbury, TX, we often see people making the same mistakes over and over when they come to purchase a policy.

Here are the five most common mistakes and how you can avoid them:

1. Not Shopping Around 

The first mistake people make is not shopping around for the best rates. There are a lot of insurance companies out there and they are all competing for your business. Don’t just go with the first company you find. Take your time and shop around for the best rate.

2. Not Knowing What You Need 

The second mistake people make is not knowing what kind of coverage they need. There are different types of coverage and it’s important to know what you need before you start shopping around. The most common types of coverage are liability, collision, and comprehensive. 

3. Not Reading the Fine Print 

The third mistake people make is not reading the fine print. It’s important to read all of the terms and conditions before you sign any insurance policy. You don’t want to be stuck with a policy that doesn’t cover what you think it does.

4. Buying Too Much or Too Little Coverage 

The fourth mistake people make is buying too much or too little coverage. You don’t want to overpay for coverage you don’t need, but you also don’t want to skimp on coverage and end up being underinsured. That’s why it’s so important to know what you need before you start shopping around. 

5. Not Reviewing Your Policy Yearly 

The fifth mistake people make is not reviewing their policies yearly. Your needs change over time and your insurance policy should reflect that. Make sure to review your policy at least once a year to make sure it still meets your needs.

Buy the Right Motorcycle Insurance Coverage Today

These are just a few of the most common mistakes people make when buying motorcycle insurance here in Granbury, TX. At Texas Classic Insurance, we see them every day. We’ll help you avoid these mistakes and get the coverage you need at a price you can afford. Give us a call today or visit our website to get started.

Do you love riding motorcycles? If so, then you’ve probably been looking forward to your next motorcycle trip. But before you go on the trip of a lifetime, there are some things that you need to do. Here are some of them.

1. Get the Right Gear

While riding, the gear you wear can mean the difference between life and death, so getting the right stuff is important. Make sure that your helmet fits well and is safe, then commit to wearing it whenever you ride.

When choosing gloves, go for comfortable ones that don’t restrict your ability to operate the controls. You should also find boots that give you great support and won’t weigh you down when riding.

2. Check Your Bike

At the very least, you’ll want to make sure that your tires are inflated and have enough tread. You should also check your brakes, both the front and the rear, and your suspension to ensure that they’re in good condition. Keep an eye out for any leaks, too!

3. Protect Yourself

The motorcycle insurance policy you have is there for a reason, but it’s important to make sure that you abide by the rules. If you don’t have a motorcycle insurance policy yet, now is a great time to get one. If you are in Granbury, TX, Texas Classic Insurance can help you find the right coverage.

4. Plan Your Route

Ensure that you know where you’re going and how to get there before setting out on your trip. Learn where the parking is, where the best stops are for fuel and any other areas that you may find invaluable while on your trip.

Motorcycle trips are a lot of fun, but make sure you’re prepared before you go on one. With the right motorcycle gear and motorcycle insurance, nothing can stop you from having an incredible experience. Call Texas Classic Insurance to learn more about motorcycle insurance in Granbury, TX.