Warm Weather is Here: Getting the Right Motorcycle Insurance

Warm weather is great for many activities, and if you ride a motorcycle in the Houston, TX area you want to ensure you have the right insurance coverage to protect you. At Modern Risk Management, we can help you get the quality coverage you can rely on with motorcycle insurance options you feel good about. Here’s what to consider to get the best policy for your needs.

When you choose a motorcycle policy, you want to be sure you’re protecting what matters most. That includes your bike, but it also includes you and the people you love and support. While there are minimum coverage limits your policy will have to meet, you may want to get additional coverage to add to your protection and peace of mind if you’re involved in an accident.

Also, consider the specific insurer you’re choosing. They might all be similar, but they definitely aren’t all the same. In other words, they may have different ratings, offerings, and other details, even though they all provide motorcycle coverage. Not only do you want to get good value from your insurer, but you also want to know they’ll handle things properly if you ever need them.

When you’re ready to get the right motorcycle insurance for your needs, it’s a good idea to work with a trusted agent who can review your options properly. If you’re in the Houston, TX area, contact us today at Modern Risk Management and let us work with you to find the best insurance for your specific situation. We’re here to help you feel secure and protected on the road, so you can enjoy your motorcycle during the warm weather and have less to worry about in the future.

Motorcycle Insurance Tips: 5 Defensive Driving Strategies

Whether it’s basking in the summer sun or cruising on a brisk, fall night, motorcycle riding can be enjoyed all year long in Houston, TX. Motorcycle insurance can help protect you during every season too.

Yet even a great policy can’t replace prevention. Excessive speeds, distracted driving, and unexpected hazards make roadways especially dangerous for motorcycles. It’s imperative to remain proactive and vigilant.

That’s why Modern Risk Management prioritizes your safety. With this in mind, the Houston TX agency shares five defensive driving tips to ensure you’re protected.

Motorcycle Insurance Tips: What You Need To Know

Dress right

Safety gear isn’t just recommended. It’s essential. Gear up by wearing proper helmets, eyewear, and gloves. Long pants and sleeves add an extra layer of protection against wind and debris.

Be visible

Motorcycles are already tough to spot. Stand out. Maximize visibility with bright-colored, reflective clothing. At night, use headlights, turn signals, and horns as needed.

Leave space

Another way to make yourself more noticeable is to leave a greater distance between you and other drivers. Avoid blind spots and tailgating too closely. If you’re looking for increased safety, opt for less-traveled routes. Fewer motorists present fewer potential problems.

Pass safely

Improper passing, lane switching, or overtaking is one of the leading causes of accidents. Don’t pass on corners or curves, but also be mindful of drivers that are changing lanes ahead of you.

Improve techniques

Practice and experience are key. Get more comfortable by simply getting out and riding. New riders may also benefit from enrolling in a training or safety course.

Contact Us Today

Modern Risk Management can’t prevent accidents from occurring in Houston, TX. But we can ensure you’re protected. In addition to these helpful tips, we at Modern Risk Management can create an individualized motorcycle insurance policy that’s right for you. Set up an appointment today.

How Does Motorcycle Insurance Work?

If you have a motorcycle, it’s essential that you have a good motorcycle policy on it. If your motorcycle is not yet insured, give us a call right away at Modern Risk Management in Houston, TX to find out more. 

Is Motorcycle Insurance Like Car Insurance?

Motorcycle insurance has many similarities to car insurance, but it also has many differences. One difference is the passengers in a car. A motorcyclist will have passengers far fewer times than a car. Car insurance policies often have protection for passengers, while a motorcycle policy may not. Often, there is a different coverage type that can be purchased for passengers of motorcycles.

Another difference in these policy types is the risk of injuries. Statistically, it is far more likely for you to be injured on a motorcycle than in a car. It is actually 28 times more likely to have a fatality on a motorcycle than in a car when a mile-to-mile comparison is made. For this reason, the injury portion of a motorcycle policy is generally more expensive than it is with a car. 

Damage to the Bike

Damage to a motorcycle is common, so it’s smart to have a motorcycle policy that includes damage to the bike. With this coverage type, you can get your bike repaired or replaced if it is damaged or destroyed by a number of different circumstances. 


If you were to cause an accident or strike a person or object, you would likely be held liable for the damage and injuries. The liability portion of your motorcycle policy would cover these bills up to the policy’s stated maximum. 

Get Motorcycle Insurance Coverage

If you ride a motorcycle, you have to have an insurance policy to cover it. Contact us at Modern Risk Management in Houston, TX to talk to an agent. 

Buy Motorcycle Insurance in Houston!

Nothing feels like freedom quite like taking to the open road on a motorcycle. For motorcycle riders in the Lone Star State, don’t forget to find the perfect coverage to protect you and your bike should an accident occur. Indeed, like auto insurance, having valid motorcycle insurance in place is a requirement for riding on any public roads in the state. If you are casting about for a policy to protect your motorcycle, you should contact the talented team of agents here at Modern Risk Management for all your Houston, TX motorcycle insurance coverage.

Buy Motorcycle Insurance Today

As with any motorized vehicle in Texas, you must show financial responsibility by displaying proof of insurance while riding your motorcycle. A motorcycle insurance policy will protect you and others in the event of an accident that is deemed your fault. 

While minimum coverage legally protects you in the event of an accident, it is important to remember that Texas riders will still be responsible for repairing or replacing your bike. Agents at Modern Risk Management can recommend an array of available options to provide you more coverage. 

Contact Modern Risk Management for the Motorcycle Insurance You Need

Hitting the road to either cross town or cross the country means having the motorcycle insurance you need in case anything terrible happens out on the road. Serving the insurance needs of the greater Houston, TX area, Modern Risk Management has the right policy for the motorcyclist in your home. We understand the unique needs of motorcycle riders in Texas. Contact our friendly and knowledgeable staff for a free, no-obligation quote to ensure you have the motorcycle insurance coverage you need.