Motorcycle Insurance

Motorcycle Insurance Protects More Than Bikes

Whether riding a road bike or a dirt bike, insuring the two-wheeled vehicle is required by law in every state when on roads and in some locales when riding public trails.

Riders can purchase insurance coverage to satisfy state minimums for liability insurance, which pays up to policy limits for causing injuries or damages to other people and their property but will not pay a cent if the rider is injured or his or her motorcycle is stolen or damaged in an accident.

Insurance to pay for injuries to the rider is available for a bit more money, and full coverage insurance and uninsured/underinsured motorist insurance also can be bought to provide maximum insurance protection.

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Motorcycle Insurance Generally Costs Less Than Auto

Unless riding a sportbike or an expensive cruiser, like a high-end Harley-Davidson, Victory, or Indian motorcycle, the cost of insuring a motorcycle is much less than the cost of a comparable auto insurance policy.

Because sport bikes have a lot of body parts and high-powered motors that are expensive to repair, insuring them is very costly for most people under age 30 and for those with poor driving records. Generally, the younger the rider, the costlier the insurance.

Otherwise, motorcycles, generally cause little damage to other vehicles or property when they are ridden by skilled, experienced, and safe riders. That lessened danger of high accident costs involving most motorcycles means their insurance policies for most riders are very affordable with full coverage available for anywhere from about $100 per year up to about $300 for full coverage insurance and less for liability-only policies.

Which Types of Insurance to Use

Anytime someone rides on the road, full coverage insurance always is the best option with additional uninsured/underinsured motorist coverage. Uninsured/underinsured provides insurance protection against hit-and-run drivers and those who only have state minimum liability insurance, which easily is surpassed when motorcyclists suffer serious injuries in an accident.

Those who ride off-road will benefit from recreational vehicle insurance, which is available for ATVs, dirt bikes, and other off-road conveyances.

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Mike Lansford and the friendly and competent staff at Independent Insurance Counselors in Alvin have been serving our family for over 20 years. Having used them for our homeowners, automobile and health insurance needs, they have helped us deal with issues small (fender benders) and large (Hurricane Ike). Mike has offered us good advice on repeated occasions. He is trustworthy, competent, and customer oriented. Highly recommended!
Mark Mayberry
Mark Mayberry
They have been our insurance go to for over 20 years!!!!! Everyone is so helpful!!
Tom Selleck
Tom Selleck
We have always been treated as valued customers and they have always found us great rates. They are very helpful in finding out the best solutions to meet your needs.
Ben Harris
Ben Harris
I have been doing business with Independent Insurance Counselors for many years. I have my home and car insurance through them. They are very efficient and thorough and I would not think of having any other company handle my insurance affairs. They have always done a great job for me.
Debra Fischer
Debra Fischer
I have been a happy customer of Independent Insurance Counselors for years now and the staff must certainly be hand picked for knowledge, courtesy, friendliness and among many other fine qualities, their eagerness to stay on top of making sure their customers always have the lowest rates. I have always been that person who feels a bit of resentment paying for a service you never use or hope you never need but with Independent I always feel like my money’s going a long way.
Sherma T
Sherma T
Always great service with a smile.
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donald taylor
I've been with Independent Insurance for many, many years and I'd never want to go with any other company. They're unfailingly courteous, professional and friendly. Their customer service is fantastic!
Michelle Smith
Michelle Smith
saved me a lot of money and great service
nancy ferverda
nancy ferverda
Many markets to choose from. The staff is knowledgeable and looks out for your best interests. Quick response time. Reviews my policy at renewal time and informs me of other options that will save me money!
Amber Stavinoha
Amber Stavinoha
Went to Independent Ins. Counselors after being with my Ins.co. for 40 yrs.. they changed hands and my premiums went off the charts. They would not work with me. The counselor Rhonna at Independence worked so hard and saved me somewhere around $1,000 a year between my home owners and car policies. Thank you guys.
Gladys Dekenipp
Gladys Dekenipp
Very friendly, knowledgeable and helpful. They explained the different coverages to us and then shopped the numerous companies they represent to find us the best deal to meet our needs. We are very satisfied with the service Independent Insurance Counselors provides. They handle our home, auto and life insurance.
Karen Duston
Karen Duston
Ownership of Agency has been same family and staff for many years with complete regard for their insured clients. One of the last complete, full service, independent insurance agencies still in our area.
J. R. Dick Tyson
J. R. Dick Tyson
Bundled all my insurance needs. Excellent service and support with fair pricing.
mike clawson
mike clawson
ALWAY BEEN THERE FOR US.
TERYXNRA
TERYXNRA
When I call and talk to Becky I get great service. I've been talking with her for years. Dedicated %1000.
Anna Ernst
Anna Ernst
Got us the coverage we needed.
David Boren
David Boren
I was really impressed with how detailed Mike was going over each option individually. When evaluating car insurance in the past, there was no good way to know how different choices affect the premium you pay, but Mike went through methodically and made sure I had the best coverage for the money. I got better coverage for the things I needed (and removed stuff I didn't need) and saved a lot of money.
Bobby Guy
Bobby Guy
I had an excellent experience with Independent Insurance Counselors. I am new to Texas and needed to revise my auto insurance to comply with Texas. Rhonna Benbrook was very friendly, professional, and helpful in getting everything taken care of. Thank you Rhonna & Independent Insurance Counselors.
Frances Huff
Frances Huff
Mike Lansford recently helped us with Medicare Part B and D supplemental insurances. In fact, all of our insurance is through Independent Insurance Counselors. Mike and his staff have always been of great help, and, we have been with them for many years. You cannot go wrong in getting them to assist you with any of your insurance needs.
patti369
patti369
Mike is a super guy who has been taking care of businesses in the Alvin area for years. I can assure you him and his team will always be there for your insurance needs.
Scott Talley
Scott Talley
Hometown business. Friendly staff
Patrick Butler
Patrick Butler
Friendly staff
Mitchell Craven
Mitchell Craven
Fantastic Service, Fantastic Staff! Thank you Independent Insurance Counselors for taking such great care of The Memory Quilt Company!
Tiffany Verot
Tiffany Verot
Great Customer Service!! Highly recommend Mike and his staff. Amber found me a better policy for less money. Win Win!!
Dana Akins
Dana Akins
I have my insurance , with independent insurance agency for many years, greatservices , friendly atmosphere, I recommend!
Mary Baker
Mary Baker
Mike and his staff are very welcoming and knowledgeable of the insurance business. We have worked with Bette for many years, personal and business insurance, and she always keeps up with our policies and makes sure our coverage is renewed on time and always send quotes for better pricing each new year. They have a great team and I highly recommend Independent Insurance Counselors.
Lisa E
Lisa E
If I could give 10 stars I would. These are the best people I have ever done business with. They have been taking care of my insurance needs for about 20 years and after Harvy they cane through 110 percent.
James Bailey
James Bailey
I moved from Houston, TX to Alvin, TX. I bought a new modular home and had it set within the city limit. The insurance agent, whom I used for several years before, didn't know what to do to get insurance for a modular home. I contacted Insurance Counselors for help. They knew what to do right from the beginning. In the end I got home owner insurance and flood insurance through Independent Counselors. Since then, I have visited the office on several occasions for other help. Always, everyone has been helpful and courteous. Highly recommended; a 5-Star service.
Prasert Sananikone
Prasert Sananikone
Good job ! Good people ! Good man !
Alvin Pool
Alvin Pool
I highly recommend this business to anyone looking for a committed staff that will work to find you the coverage you need at a price that satisfies your budget. The staff is friendly, efficient, and professional. You can rest assured that you'll leave there knowing your coverage is sufficient and the staff is always ready to answer any questions that you may have at a later date. Go talk to them.
Jimmy Ray
Jimmy Ray
Highly recommend Independent Insurance Counselors. They always go above and beyond to get us the best deal on insurance. Always friendly and always there when you have a question or a problem.
Arin Perry
Arin Perry
Mike and his Team are great. They will find you the best deal on insurance and make sure you have the best plan in place in case you ever need it. The staff is friendly and Mike always has an open door policy for you to come in and ask questions! They will be my Agent for life!
Kevin Duke
Kevin Duke
Mariana was so helpful to lead us through the confusion of finding the best insurance for us to protect our home. Not only did she find us the best benefits, but she also led us to the best rates available for us. She cheerfully answered our many questions and explained what we didn't understand. We are so grateful we walked into the office that day and will certainly return when the need arises. Thank you, Mariana and Independent Insurance Counselors for your excellent service.
A Google User
A Google User
Knowledgeable. And very easy to work with. No complaints from me.
Robert Fleming
Robert Fleming
Mike looked at our insurance costs and saved us a substantial amount of money by changing both our home and auto insurance.I was impressed with his knowledge and have been using his suggestions for some time now.I have recommended his services to several friends and will continue to do so.
Jim Fussell
Jim Fussell

(281) 331-3131

302 South Gordon St. | Alvin, TX. 77511