Category: Motorcycle Insurance

Applying for insurance through Presley Insurance Group for the first time or purchasing a new motorcycle, you’ll automatically receive a quote for full coverage. In this blog, we’ll demystify which coverage kinds you must legally maintain due to state laws and which you can opt to keep or drop. We’ll also explain each type of coverage so you can make an informed decision before hitting the Dallas, TX roads.

Understanding Your Texas Insurance Quote

When you request a motorcycle insurance quote from our agency or any other in Texas, you’ll find it includes diverse types of insurance coverage. If you’re new to motorcycle insurance and riding, you might have anticipated seeing a single, consolidated cost on the quote. However, that’s not how vehicular insurance operates. Your insurance quote will itemize the following insurance coverages and their individual costs:

• Bodily injury liability
• Property damage liability
• Collision coverage
• Comprehensive coverage
• Uninsured/Under-insured motorist (UM/UIM) coverage
• Medical payments or personal injury protection coverage
• Roadside assistance.

While accepting all these coverages is not mandatory, being on Texas roads requires buying a policy that meets the state’s minimum standards.

Legally Required Coverage

In Texas, street bike and crossover motorcycle riders must secure minimum liability insurance coverage of:

• $30,000 in bodily injury and death coverage per person
• $60,000 in bodily injury and death coverage per accident
• $25,000 in property damage coverage per accident.

If you own a dirt bike, you’re not obligated to meet these basic coverage requirements since you cannot operate it on Texas roads and can only ride it on dirt trails. While you aren’t mandated to purchase the 30/60/25 coverage, you might want to secure collision and comprehensive coverage for your dirt bike. This buffers against damage to your motorbike even in single-vehicle accidents, and if your bike gets stolen, a replacement is ensured.

Get in touch Today

Contact Presley Insurance Group today to review your motorcycle insurance or a new policy. We’ll assist you in crafting a custom policy that shields you, whether on or off Dallas, TX roads.

Improving Motorcycle Safety and Insurance in Dallas, TX

Driving a motorcycle in Dallas, TX, carries potential risks, especially on major highways and toll roads, where traffic is frequently dense. Understanding road safety is crucial, as is having dependable motorcycle insurance. At Presley Insurance Group, we’re committed to ensuring your safety and peace of mind on the road.

Riding in Compliance with the Law

Motorcycle riders in Dallas, TX, might think they know all the legal aspects, but double-checking doesn’t hurt. Key components of legal riding include:

• Holding a valid motorcycle license
• Having appropriate insurance and registration for your motorcycle
• Owning a helmet for both you and any passengers
• Observing all traffic laws

If you’re new to Texas, consider enrolling in a safety course to familiarize yourself with unique state traffic laws.

Ensuring Safe Motorcycle Driving in Dallas, TX

In Texas, particularly in Dallas, your driving skills can determine whether your journey ends on a high note or a sour one. Although Texas doesn’t mandate built-in signals for motorcycles, they’re highly recommended. If your motorcycle lacks them, be certain to use the correct hand signals each time you turn or change lanes. Also:

• Be vigilant about checking for blind spots
• Maintain appropriate speed
• Avoid lane-splitting with other bikers

Focus on road safety and invest in adequate insurance. More extensive coverage can offer you increased peace of mind. Contact us at Presley Insurance Group today, and our experienced agents will help customize a policy and quote tailored to your needs.

At Presley Insurance Group in Dallas, TX, we provide local riders with all of the tips and pointers that they need most. Motorcycle etiquette is a common topic and we pride ourselves on arming all of our clients with all of the information that they need most. That’s why the following guide is here to help riders learn everything they need to know.

Is Motorcycle Insurance Required In The State of Texas?

In the state of Texas, automotive insurance is a requirement for every resident who will be operating a motor vehicle. Liability insurance is a must so that other drivers are able to receive the assistance that they need once a collision has taken place. Every registered vehicle operator is legally required to carry these insurance policies in Texas, or they will face penalties. This includes riders who are operating a registered motorcycle.

What Basic Rules Should a Rider Know?

There are a few basic rules that a rider in the state of Texas should be aware of. For starters, lane splitting is illegal. A motorcycle’s smaller frame and maneuverability cannot be used in this manner. All riders under the age of 21 are legally required to wear a helmet as well.

As for those who are over the age of 21, a helmet is required unless you have completed a state-required safety course. The helmet requirement can also be waived if you obtain an insurance plan that provides coverage for healthcare costs that are incurred as a result of an accident.

Schedule A Consultation Today!

If you have any further concerns regarding motorcycle etiquette, be sure to contact Presley Insurance Group in Dallas, TX. Our team of professionals is always on hand, ready and waiting to address any additional questions that you may have. Feel free to contact us as soon as possible!

Buying motorcycle insurance is a priority if you are a biker in Dallas, TX. When you purchase a motorcycle insurance policy, there are a few rules that you should follow. At Presley Insurance Group, we can help you to meet your motorcycle insurance needs.

The following are four rules that you should follow when you buy motorcycle insurance:

Meet minimum coverage requirements for Texas

The most important rule to follow when you buy motorcycle insurance is to purchase a policy that meets the minimum coverage requirements in Texas.

In Texas, you are legally required to carry at least $30,000 per person in injury coverage and $25,000 in property damage coverage per accident.

Purchase both liability and collision coverage

Some bikers make the mistake of foregoing collision coverage and only purchasing liability coverage. If you want to protect your bike’s value and make sure that you’ll be compensated for damage to your bike in an accident, you need to purchase collision coverage.

In fact, if you want to enjoy full coverage, you should purchase comprehensive coverage in addition to liability and collision coverage. 

Remember to update your coverage down the road

You shouldn’t simply continue to renew the same exact motorcycle insurance policy without reviewing your situation. You might want to make changes to your policy if you discover discounts, added policy features, or coverage amount changes that can improve your motorcycle insurance. 

Research your options thoroughly before choosing a motorcycle insurance policy

Get a few different quotes that you can compare when you’re choosing a motorcycle insurance policy. Exploring your options ensures that you’re getting a good deal on coverage. 

Reach Out To Us

If you call us at Presley Insurance Group in Dallas, TX, we can come to your assistance by answering your questions about motorcycle insurance and providing you with a policy quote. Get in touch with us to learn more. 

Motorcycle insurance is an important part of owning a bike. It protects you in the event that you are involved in an accident. However, it’s important to remember that your policy is not set in stone. You should review it regularly to ensure it still meets your needs.

Here is when to review your motorcycle insurance policy:

You Added New Accessories to the Bike

If you’ve just added a sweet set of pipes or a flashy new seat to your motorcycle, you might be thinking about how much your insurance rates will go up. After all, customizing your bike is one of the best parts about being a motorcycle enthusiast. But before you start worrying about your premium, notify your insurance company about the changes.

Your insurer will want to know about any modifications you’ve made to your bike, as they can affect both the value of your bike and the amount of risk you pose on the road. In some cases, adding new accessories to your motorcycle could even help you get a discount on your premium. So it’s always best to err on the side of caution and call your insurance company after making any changes to your bike.

You Moved to a New City

If you’ve recently moved to a new city like Dallas, TX, updating your insurance policy to reflect your new address is important. The reason for this is twofold. First, different cities have different rates of motorcycle theft and accidents. So if you’re moving from a rural area to a big city, you can expect your rates to go up. Talk to Presley Insurance Group to find out how your rates could change.

You’ve Been Riding More Often

If you’ve been hitting the open road more often, that’s great news! But it also means you might be at a higher risk for an accident. Most insurance companies take this into account when they’re calculating your premium, so if you’ve been riding more frequently, you can expect to see a slight increase in your rates.

Call Us Today

As a motorcycle enthusiast, it’s important to stay up-to-date on your insurance policy. If you’re looking for a great motorcycle insurance policy, be sure to contact us today at Presley Insurance Group in Dallas, TX. We’re always happy to help our clients find the best possible coverage at the most affordable rates.

Motorcycle insurance premiums are determined by the way you use the vehicle as well as the type of motorcycle that you own in Dallas, TX. This type of coverage protects both you and the motoring public in case of an accident resulting in injury or damage.

There are several important facts to consider when purchasing motorcycle insurance. The experienced agents at Presley Insurance Group will help you understand these facts to ensure you get the right coverage to meet your needs.

Types of Necessary Coverage

You will need to include liability coverage in your motorcycle insurance policy to fulfill your insurance obligations in Dallas, TX. If you are ever involved in an accident, this type of coverage will pay for any property damage or injuries that you cause to the other party involved. However, liability insurance will not cover the cost of repairing or replacing your motorcycle.

Another type of motorcycle insurance that you need is uninsured motorist coverage. This type of coverage will protect you and your property if you are involved in an accident caused by a motorist that does not have adequate insurance coverage.

Medical liability will cover the cost of any injuries that are sustained during an accident by someone who is riding on the motorcycle with you at the time of an accident. It is important to understand your risks to know the type of coverage that is right for you.

In order to make sure you get the motorcycle insurance coverage that you need, take the time to talk with the knowledgeable agents at Presley Insurance Group. We understand all the different types of motorcycle insurance available and will be able to help you choose a policy that includes all of the coverage that is required to protect you and your motorcycle, so you can have peace of mind and enjoy the ride. Give us a call today.

Those that live in the Dallas, TX area will find that owning a vehicle makes it easier to get around the entire metro area. As you are looking for a vehicle, it would be a good idea to get a motorcycle as they are efficient and fun to operate. If you would like to get a motorcycle here, you need to make sure that you have proper motorcycle insurance coverage at all times. 

Those with Outstanding Loans

A situation when having motorcycle insurance is needed is when you have an outstanding loan. The process of buying a motorcycle can end up being quite expensive and taking out a loan is a way to ensure you can afford the purchase. If you do have a loan outstanding, your lender will require you to carry proper coverage. This can include requiring you to have motorcycle insurance with comprehensive protection.

When Driving on a Public Road

Those that have motorcycles in this area of Texas are also required to carry motorcycle insurance when they want to drive on a public road. If you decide to drive on a road in this state, you need to comply with the requirements surrounding liability insurance. If you do not have at least the minimum level of liability motorcycle insurance, you will be out of compliance with the law and could be penalized. 

People that live in the Dallas, TX area and have a motorcycle need to ensure they pick the right insurance plan. As you are evaluating all of your insurance options in this area, calling the Presley Insurance Group is a great option. The insurance team with the Presley Insurance Group can help you carefully assess all of your options and choose a plan that will give you ideal coverage. 

The Texas Department of Transportation reports that more than 1800 motorists got severe injuries in 2019. Motorcycles, just like vehicles, are prone to accidents that can lead to significant losses. If you’re a motorcyclist in Dallas, TX, consider visiting Presley Insurance Group for your motorcycle insurance needs. 

You’ll know more about the policy and understand which option suits you best. Here is a guide to motorcycle insurance to give you more insights into the policy. 

Requirements for Motorcycle Insurance 

States often require motorcyclists to have liability insurance. This kind of insurance pays for damages or injuries that you cause. It would be best to get an insurance policy that’s more than the minimum requirement in Texas for maximum protection. 

Coverage Options for Motorcycle Insurance 

Motorcycle insurance has almost similar options to auto insurance. Other than the liability and the uninsured motorist coverage that you must have, there are other options to consider:

Collision 

This coverage pays for damages to your motorcycle, which is usually minus the deductibles. With the prevalence of motorcycle crashes, you might want to obtain this coverage.

Comprehensive

The comprehensive coverage comes in when your motorcycle sustains damages from other accidents besides a collision. It further compensates for stolen motorcycles. 

Personal Injury Protection

This cover pays for medical bills that you suffer from in a motorcycle accident. The insurance covers your passengers and pedestrians who sustain injuries. You can get in touch with Presley Insurance Group to learn more about what this insurance entails. 

Motorcycle insurance has other add-on options that you may want. These add-ons include:

• Roadside assistance 
• Trip interruption options
• Insurance for custom parts, accessories, and equipment 

If you are a motorcyclist in Dallas, TX, Presley Insurance Group is your motorcycle’s ideal insurance partner. Our professional agents will guide you through the options and help you make choices. Contact us today to enjoy our vast range of insurance available for you.

Motorcycle owners in Dallas, TX are aware of common road hazards that they may face when they go for a ride. Others, however, may not understand how specific road conditions can cause a motorcyclist to lose control and crash. Grass clippings and other lawn debris that is blown onto the road by homeowners mowing their yard can spell disaster for an inexperienced motorcyclist.

Grass Clippings and Lawn Debris

Fresh glass clippings can be too slippery once they land on the asphalt surface of a road. The moisture of the grass and the heat from the asphalt create a slippery surface that will cause motorcycle tires to slip or slide. Unless the motorcyclist understands how to compensate for these changes to the surface of the road, they may lose traction and the ability to control the bike adequately. These types of accidents are preventable, and many states have already passed laws concerning homeowners who blow their lawn debris into the roadways making the act illegal.

Changes in Road Conditions

Many other road conditions should also be noted. Most motorcyclists know to avoid dirt roads. Roads that have been "chipped and sealed" may also contain loose gravel that makes it hard to control the bike. The same is true for tar snakes and other improvements that are made to the roadways. While these are part of regular road conditions, it’s up to the motorcyclist to learn to navigate them. 

The agents at Presley Insurance Group serve Dallas, TX motorcycle owners. Each agent is well-versed in the laws about motorcycle use and is also well-aware of safety measures and regulations that are in place. If you would like to learn more, call the office today to schedule a policy review and learn what you can do to get the most out of every riding experience you have.