When you own a motorcycle, you understand the importance of protecting your investment with motorcycle insurance. However, not all insurance policies will meet your needs. 

At Rasor Insurance in Celina, TX, we understand the unique needs of motorcycle owners and offer various insurance options to meet those needs.

Benefits of Choosing the Right Motorcycle Insurance Policy

1. Financial Protection: Motorcycle accidents can be expensive, and the right insurance policy can provide financial protection in the event of an accident. With the right coverage, you can avoid paying out of pocket for damages, medical bills, and legal fees.
2. Peace of Mind: Knowing you have adequate insurance coverage for your motorcycle can provide peace of mind. You can ride with confidence, knowing that you are protected in the event of an accident.
3. Customized Coverage: Motorcycle insurance policies can be customized to fit your specific needs. At Rasor Insurance, we work with you to find the right coverage options that fit your budget and provide the protection you need.
4. Legal Requirements: In Texas, motorcycle insurance is a legal requirement. Choosing the right insurance policy ensures that you comply with state laws.
5. Access to Expert Advice: When you choose Rasor Insurance, you can access expert advice from our knowledgeable agents. Seasoned insurance agents can help you navigate the complex world of motorcycle insurance and ensure you have the right coverage for your needs.

Texas Motorcycle Insurance

Choosing the right motorcycle insurance policy can provide financial protection and access to expert advice. At Rasor Insurance in Celina, TX, we are committed to providing affordable motorcycle insurance options. Contact us today to get a quote for motorcycle insurance in Texas. 

If you own a motorcycle, you are required to carry motorcycle insurance when you are operating your motorcycle. Texas has some of the strictest penalties for operating any vehicle, including a bike, without insurance. Here at Rasor Insurance, serving the greater Celina, TX area, we want to ensure our customers know the penalties they may be facing if they fail to carry insurance. Here are a few of those penalties. 

A Citation and Fine

If you are caught driving without motorcycle insurance, you could be facing a fine of anywhere from $175 to $1000, depending on how many times you have received a citation for the same offense. If you are involved in an accident without insurance, you may also be required to carry costly SR-22 insurance. 

A License Renewal Surcharge

One of Texas’s deterrents to prevent drivers from driving without insurance is a license renewal surcharge. If you are caught driving a car or operating a motorcycle without insurance, you will have to pay a $250 fine the next three times you need to renew your license. This is one of the most costly penalties for driving without insurance in the United States. 

The Inability to Register Your Bike

Finally, if you do not have current insurance on your bike, you may be unable to register your motorcycle. If your bike is not registered, you may face even more fines if you are caught operating it. 

The penalties for driving without motorcycle insurance can be costly in Texas. If you have a motorcycle that is not insured, you need to get it insured to ensure you do not face any of these strict fines or problems. Rasor Insurance is proud to serve the greater Celina, TX area. If you are looking for motorcycle insurance, let us help you. Call us today to obtain an estimate. 

Proper and regular maintenance can reduce your need to file insurance claims by helping your cycle run better. Your brakes and acceleration function better, making it easier to stop quickly and accelerate to miss objects in the road. Follow these tips from Rasor Insurance, serving Celina, TX, to care for your bike.

Before you hop on for that first spring ride, take a couple of hours to ready your bike. You can improve its running and enjoy a smoother ride.  

Examine Your Bike for Unwanted Visitors

Even if you used a cover and kept your bike inside during winter, you need to check it for debris, dust, dirt, and the occasional rodent. Check the intake system and exhaust system for bugs and mice. Dust off the bike and give it a good wipe down with a clean cloth. 

Drain the Bike’s Fuel Tank

You need to get rid of the stale, untreated fuel by draining the tank. Before you throw out the fuel, check its color. If you see a gritty brown substance, that’s rust. The inside of your bike’s gas tank is rusted. Use an acid remover to flush your fuel tank. You can put a clean-burning fuel in it, but you need to replace your fuel tank pretty soon. 

Add Fuel Stabilizer

Add a fuel stabilizer to the gas tank to clear any remaining contaminants. This helps you avoid engine misfiring. 

Change the Oil

You would need new engine oil even if you changed your oil before you stored it for winter. The oil may have condensation built up in it. You should change the oil filter, too. 

Check the Other Major Fluids

Also, check the brake and hydraulic fluid levels. Examine them for deterioration, appropriate color, and consistency. If they have grown too gummy or thin, replace them. This also applies if the fluids became dirty. 

Inspect the Bike’s Battery

Charge your motorcycle battery. If it has a tough time holding the charge, replace it. Check the fluid levels in each cell. Fill the cells with distilled water. If the battery is older than four years of age, replace it. 

Check the Electrical System and Controls

Examine the gauges, headlights, brake lights, switches, turn signals, and horns. Also, test the clutch, throttle, and steering. Check cables for tears or frays. Clean off your headlights so cars can see you better at night. 

Clean the Chain and Check the Brake Levers and Pads

Use lubricant on the chain after cleaning it. Dirt on the chain inhibits the motorcycle’s performance. Use a degreaser on the chain, too. Check the brakes, especially that the brake pads are at least 1/8 inch thick. Thicker is better.  

Putting this time into your bike care ensures you can enjoy a safer ride. You can also reduce the number of claims you need to file with Rasor Insurance of Celina, TX.

If there is any place to enjoy riding a motorcycle for a daily commute or long distance, Texas, with consistent days of sun, hot temperatures, and cool breezes, is that perfect state for a ride. However, you cannot just jump behind a motorcycle and go for a rid. There are some detailed requirements to follow. 

Here at Rasor Insurance, we do our best to make sure our clients can get the type of insurance they need. Based in Celina, TX, and founded in 2002, the mission, values, and morals of this business have been nothing less than great to the local community. Here are some key things you need to keep in mind when searching for your motorcycle insurance. 

The basics that you need for motorcycle insurance in Texas

The state requires that anyone who is a motorcycle owner must have a Class M driver’s license. To receive this license, you must take a DPS-approved motorcycle safety course. Once that is completed, you then take your certification of completion with you to the driver’s license office. In regards to coverage requirements, you will need property damage and bodily injury through your insurance agency to some degree. There will be a variety of options for you to choose from based upon your driving record and other information. 

The equipment that you need by state rules

When you are behind the wheel of a motorcycle by yourself, and on the road, by state rules, you are to have the following in order to comply with state regulations. One tail lamp, one red reflector in the rear, one-stoplight, and no more than two headlamps. If for any reason, that one of your headlamps goes out, it is illegal to drive with just one (we recommend getting the second fixed as soon as possible). You are required to have a license plate lamp (similar to a regular car license plate light).

Are you ready to get a quote for motorcycle insurance from one of our qualified agents at Rasor Insurance? Contact our office in Celina, TX, and our team will be happy to answer your questions and get you started.