Coverage Built for the Freedom of the Ride

Whether you ride for daily transportation, weekend adventures, or long-distance travel, the right motorcycle insurance can help protect both you and your bike. At Patrick Matthews Agency, we help riders throughout New Braunfels, TX, and surrounding areas understand their coverage options and find insurance solutions that fit their lifestyle and riding habits. Contact us today to discuss your motorcycle insurance needs and explore available coverage options.

What Can Motorcycle Insurance Help Cover?

Motorcycle insurance policies may provide protection for a variety of situations depending on the coverages selected.

Coverage options may help with:

  • Liability for covered accidents
  • Motorcycle repairs following covered damage
  • Theft and vandalism losses
  • Certain weather-related damage
  • Medical expenses associated with covered incidents
  • Uninsured or underinsured motorists
  • Custom parts and accessories coverage
  • Protection while storing or transporting your motorcycle

Because every rider's needs are different, selecting the right combination of coverages is important.

Why Riders Choose Patrick Matthews Agency

Personalized Insurance Guidance

We take time to understand your riding habits and insurance goals before making recommendations.

Education-First Approach

We explain coverage options clearly so you can make informed decisions without feeling pressured.

Real-World Experience

Rick Matthews brings decades of business and risk management experience that helps clients better evaluate potential risks and protection needs.

No High-Pressure Sales Tactics

Our focus is helping riders find appropriate coverage rather than selling unnecessary products.

Long-Term Support

As your motorcycle ownership needs evolve, we remain available to answer questions and review coverage options.

Coverage Considerations for Motorcycle Owners

Several factors can affect your motorcycle insurance needs and available coverage options.

Some common considerations include:

  • Type of motorcycle
  • Motorcycle value
  • Riding frequency
  • Storage location
  • Custom modifications
  • Riding experience
  • Claims history
  • Coverage selections and deductibles

Reviewing your policy regularly can help ensure your protection continues to align with your current situation.

Insurance Solutions for All Types of Riders

Motorcycle owners have different goals, riding styles, and coverage needs. We work with riders from a variety of backgrounds and experience levels.

We commonly assist:

  • Recreational riders
  • Daily commuters
  • Touring enthusiasts
  • First-time motorcycle owners
  • Experienced riders
  • Owners of customized motorcycles
  • Seasonal riders

Our goal is to help every rider understand their options and feel confident about their protection.

Motorcycle Insurance Questions Riders Often Ask

  • Is motorcycle insurance required in Texas?

    Texas generally requires minimum liability insurance for motorcycles, similar to automobiles. Coverage requirements may vary based on your situation.

  • Does motorcycle insurance cover theft?

    Certain coverages may help protect against theft and vandalism. Coverage availability depends on the policy selected.

  • Are custom parts and accessories covered?

    Some policies offer coverage options for custom equipment, modifications, and accessories. Coverage limits and conditions vary.

  • What factors affect motorcycle insurance rates?

    Factors such as motorcycle type, riding history, location, age, coverage selections, and claims history may influence premiums.

  • Should I review my motorcycle insurance policy regularly?

    Yes. Changes in your motorcycle, riding habits, or coverage needs may make periodic policy reviews beneficial.

Find Motorcycle Coverage That Fits Your Ride