Riding A Motorcycle In TX: What You Need To Know

Riding a motorcycle throughout Austin can be a lot of fun. There are various sights and sounds to explore, though there is also a danger with being on a road. Find out about a few things you need to know as a biker to be sure you are safe.

Avoid the Middle Lane

You may not realize it, but the middle lane is the most dangerous for motorcycle riders. This is because dirt, debris, and oil will often accumulate in the middle lane as a result of traffic. Avoid this and you will have a smoother ride.

Get the Right Equipment

You should have a few pieces of safety equipment and gear for when you are riding. This should include a helmet, a jacket, as well as boots. All of the gear will help to make your ride more comfortable and also protect you in the event that you lay your bike down.

Drive Defensively

A motorcycle is harder to see in traffic, and you can easily fall into blind spots. Learn how to drive defensively – and if you are new to riding, it may be a good idea to enroll in a defensive driving course so that you can learn a few tips and tricks to use while out on the road.

Have the Right Policy

An insurance policy is a must when you have a motorcycle. Not all policies are created the same, and therefore you want to make sure that you have the right coverage at the right price. Working with an insurance agent can ensure that you know what all of your options are.

Call us at the Southwest Insurance Center to find out about insuring your motorcycle in Texas. Our agents will answer your questions and guide you through the process to find an affordable premium.




How To Determine if Umbrella Insurance is Right for You

There are many people who have no idea what umbrella insurance is, much less if they need it. It can be difficult to make that determination without knowing what it is or even how to see your need for it. To help you make an educated decision on umbrella insurance, we have put together a quick way to determine if it is right for you. Continue reading to help you make the decision.

  • Determine the value of your assets. If you have a lot of assets, or even just one, you need to see how much the asset is worth as the first step of this process. Homeowners and auto insurance policies all have limits that come with them. If your assets are worth more than these policies can provide coverage for, then you need to start looking at umbrella insurance policies. These types of policies will take over where your other ones stop. 
  • Take a look at the maximum limits of your current policies. If you are already maxed out with these policies, then you need to get an umbrella insurance policy. If you are not yet maxed out, then max them out and see if it will cover you before you make the decision.
  • Take a look at your liquid assets. The great thing about an umbrella insurance policy is that it will protect a lot more than your home or vehicle. It can also protect things like your checking account, savings account, and retirement accounts. You want to make sure these are protected as well. 

Umbrella insurance can be complicated so if you need further information, want to take a look at your current policies, or are ready to get a quote, contact us at Southwest Insurance Center today and we will be happy to help.