Category: Motorcycle Insurance

Television commercials might lead you to believe that only a few insurance companies provide customizable policies. However, Anthony Lancaster Insurance Inc. offers policyholders in Memphis, TN, the ability to customize their motorcycle insurance policies using various add-ons. While the specific add-ons may vary across different insurance companies and underwriters, nearly all companies offer the most commonly sought options.

Customizing Your Coverage to Meet Your Needs

What purpose does an add-on serve? An insurance add-on, or scheduled coverage, adds coverage to the policy for a specific item. You can enhance your motorcycle insurance coverage by incorporating commonly used add-ons, including:

• Accessories coverage, which extends to any item not present on the bike during manufacturing, such as saddlebags, light bars, sissy bars, or luggage racks.
• OEM parts coverage, which pays for original parts from the manufacturer should your bike require repairs.
• Trailer coverage includes liability, collision, and comprehensive coverage in case you cause or sustain damage while transporting your motorcycle on a trailer.
• Personal effects coverage compensates for lost or damaged valuables you carry while using your motorcycle.
• Emergency roadside assistance provides 24/7 emergency response throughout the U.S. Whether you run out of fuel, encounter mechanical problems, require towing, or lose your keys.
• Trip interruption coverage refunds you if you must return home before completing your planned journey due to an accident, illness, or unexpected event.

Consult with your insurance agent for any other available add-on options.

How to Update Your Policy

At Anthony Lancaster Insurance Inc., we’ve simplified the process of updating your motorcycle insurance. Whether you reside in Nashville, Granville, Gatlinburg, Erwin, or Memphis, TN, give us a call. Provide us with your name and policy number to access your current policy. Inform us what you want to add to your policy, and we’ll update it accordingly. We will also inform you about your new monthly premium. Let your bike policy cater to your unique needs. Call us today!

Did you recently have work done on your motorcycle? If so, the modifications may require you to modify your existing insurance policy. You may qualify for increased coverage or a specific type of coverage. Please consult with one of our agents who serves Memphis, TN, for more help.

Mechanical Improvements

Mechanical improvements will increase the safety of your motorcycle. The improvements will make your motorcycle more valuable, too. If you performed the upgrades yourself, use your receipts to determine how much money you have invested in your bike.

If a mechanic was previously hired to upgrade your motorcycle, contact them for a copy of the repair bill. The bill will highlight the cost that you paid for each of the upgrades.

Accessories

Keep track of the accessories that were installed on your bike. Some items of value may benefit from being added to your existing insurance policy. A GPS tracking device, new lights, and other modern accessories of value should be covered by your insurance. Prepare a list of accessories you would like to seek coverage for.

Safety Features

If you have chosen to add safety features to your motorcycle, they may qualify you for a discount on your insurance. You will need to furnish information about the safety upgrades during your consultation with an insurance agent.

Contact Anthony Lancaster Insurance Inc.

Make sure that your motorcycle is equipped with the level of coverage you need when you are actively operating it or storing it. One of our agents representing Anthony Lancaster Insurance Inc. will schedule an appointment to consult with them. After your consultation, you will be able to pick out the insurance coverage type that you prefer.

If you’re a motorcycle owner in Memphis, TN or the surrounding area, you can count on the team at Anthony Lancaster Insurance Inc. for all of your insurance needs. Contact our office today to learn more.

Benefits of Comprehensive Motorcycle Insurance

The main benefit of a comprehensive bike policy is the expanded coverage that it provides. Your bike will be covered in the event of theft or vandalism depending on the policy. There are more benefits including increased medical and liability coverage levels. In many cases, the minimum state requirements are insufficient. If you want to make sure that you have the protection you and your bike need, take a closer look at a comprehensive policy. Now’s a perfect time to sit down with your local agent to determine if you have adequate insurance coverage for your needs.

Before you find out that you don’t have the coverage you need, take the time to fully review your current policy. If there are areas of confusion or if you’re just not sure if the policy is right for you, turn to the professionals. There’s no reason to have insurance that doesn’t fully protect you. There are many options when it comes to comprehensive bike policies with one that’s sure to be right for you and your budget. Find out more today about the available options, the coverage they provide, and if they’re right for your needs.

Give us a call today to learn more!

Anthony Lancaster Insurance Inc. is proud to serve the insurance needs of the Memphis, TN community. If it’s time to upgrade your motorcycle insurance to a more comprehensive policy, we’re here to help. Give us a call or stop by the office today to find out more!

Purchasing motorcycle insurance is essential if you are a biker in Memphis, TN. Let us meet your motorcycle insurance needs at Anthony Lancaster Insurance Inc.

Don’t allow yourself to make inaccurate assumptions about motorcycle insurance. It’s important that you’re informed when you’re choosing a motorcycle insurance policy.

The following are four things you shouldn’t assume about motorcycle insurance:

Comprehensive and collision motorcycle insurance coverage are the same. 

Comprehensive motorcycle insurance is a type of coverage that covers the costs of damage from issues like theft or vandalism. On the other hand, collision coverage covers you for damage to your bike that results from a vehicle accident. 

Your auto insurance policy will cover you when you’re on your motorcycle.

Any auto insurance policy you have is separate from your motorcycle insurance policy. You need to buy motorcycle insurance coverage even if you already have auto insurance. 

You have enough motorcycle insurance if you just purchase minimum coverage.

While purchasing minimum coverage might mean you’re meeting basic legal requirements, it doesn’t mean that you have as much coverage as you should. Going beyond the minimum requirements will make you more protected financially. 

Your driving history behind the wheel of a standard vehicle won’t impact your motorcycle insurance coverage.

Your driving history as both a biker and a car driver are linked. If you have a driving infraction on your record from when you were driving your car, this could push up your motorcycle insurance expenses. 

Reach Out To Us

Are you looking for a quote on motorcycle insurance in Memphis, TN? You can call Anthony Lancaster Insurance Inc to get a quote on a policy that is appropriate for your needs. Call us today to learn more. 

So you’ve just bought a new motorcycle! Congratulations! Now, it’s time to contact your insurance agent and make sure you’re fully protected. But what questions should you ask? Anthony Lancaster Insurance Inc in Memphis, TN can provide you with guidance on this much-needed insurance coverage.

Here are three important questions to ask:

What Type of Coverage Do I Need?

The first question you should ask your insurance agent is what type of coverage you need. There are numerous types of motorcycle insurance, and the one you need will depend on the type of motorcycle you have, where you live, and how often you ride.

For example, if you have a newer motorcycle, you’ll probably want to get collision and comprehensive coverage, which will protect your bike if it’s damaged in an accident or stolen.

Likewise, if you live in a state that requires motorcycle insurance, you’ll need to get at least liability coverage, which will cover damages if you’re at fault in an accident.

I’m I Eligible for Any Discounts Available?

The second question you should ask is whether you’re eligible for any discounts. Many insurance companies offer discounts for things like taking a motorcycle safety course, insuring multiple bikes, or having a clean driving record.

Some companies also offer discounts if you buy other types of insurance from them, such as homeowner’s or renter’s insurance. So it’s always worth asking if you could save money by bundling your policies.

What’s the Process for Making a Claim?

The third question you should ask is what the process is for making a claim. This is important because you need to know what to do if you ever have to file a claim.

Your insurance agent should be able to walk you through the process step-by-step so that you know what to do if you ever need to use your insurance.

Get Your New Motorcycle Insured Today

Asking these three questions ensure that you have the right motorcycle insurance for your needs. So don’t forget to ask them when you contact an agent.

And if you’re looking for motorcycle insurance, Anthony Lancaster Insurance Inc in Memphis, TN is here to help. Give us a call today, and we’ll be happy to give you a quote.

Hitting the open road on a motorcycle brings endless freedom. But it can also bring risk.

Unfortunately, accidents happen. Prevention is the best way to keep yourself safe on the roadways.

In addition to providing insurance coverage, Anthony Lancaster Insurance Inc helps you avoid any accidents by identifying five of the most common motorcycle insurance claims.

Excessive speed

Motorcycles reach high speeds quickly. As a result, reckless driving is a leading cause of motorcycle-related fatalities. Don’t leave home without wearing a helmet and other safety gear. Also, minimize unnecessary risk by obeying all posted speed limits.

Debris on road

Excessive speed can also make avoiding obstacles difficult. Unexpected debris that has fallen can lead to serious damage, if unnoticed. Anthony Lancaster Insurance Inc reminds you to stay alert and vigilant.

Distracted Driving

Driving is more dangerous when you are distracted by radios, cell phones, and other electronics. This applies to everyone, not just motorcycle riders. Car drivers must be engaged to spot approaching motorcycles. This is the cause of many insurance claims.

Poor Weather Conditions

As diligent as you may be, you can’t control everything. Fog, heavy rain and high winds will greatly reduce visibility. During inclement weather, even the smallest error or distraction can be costly.

Improper Lane Switching 

The single most common insurance claim is accidents at intersections. More specifically, improper left-hand turns are the leading culprit. Lane splitting is an issue too. This occurs when a motorcycle rider attempts to drive between two lanes to avoid traffic.

Find an agent serving Memphis, TN

Any accident can be fatal, but motorcycle crashes are especially dangerous. Because of this, motorcycle insurance is important. Located in Memphis, TN, Anthony Lancaster Insurance Inc can ensure you and your assets are protected. Call and schedule an appointment today.

Riding a motorcycle is rather dangerous, at least compared to driving a car. That said, with proper diligence and practice, you can greatly reduce the risk of suffering an accident. We’re going to cover some tips for increasing safety that every motorcycle driver should consider.

If you do own a bike, you should get the right motorcycle insurance plan. If an accident occurs, even if it’s no fault of your own, you may be facing some hefty bills.

Get in touch with Anthony Lancaster Insurance Inc, serving the greater Memphis, TN area, if you have any concerns.

Tips For Increasing Safety While Riding Motorcycles

First, you need to make sure you’re wearing the proper gear when you ride a motorcycle. Every motorcycle rider should wear a helmet. If you get in an accident and you aren’t wearing a helmet, the risk of a serious injury increases. Riding suits are often wise as well and could protect you from road rash.

Weather can have a huge effect on your riding. If you ride in the rain, the risk of wiping out may increase greatly. Strong winds too could knock you off. So before you suit up, make sure you check your favorite weather app.

Situational awareness is vital for motorcycle riders. Often, motorcycle riders aren’t the ones causing accidents. Instead, people who are texting and driving, or otherwise not paying attention, may hit you or cut you off. Great situational awareness may greatly reduce risks.

You also need to pay close attention to your bike and should make sure it’s well-maintained. If the brakes wear out or tires are losing their grip, it could cause an accident.

Make sure you speak with an insurance agent about motorcycle insurance. You’ll want liability coverage in case someone else gets hurt. High coverage to cover any medical bills resulting from a crash is wise. Protecting your property is important too.

Contact Anthony Lancaster Insurance Inc, which serves the greater Memphis, TN area to learn more about motorcycle insurance.

In Tennessee, residents aged 16 years and above can operate a motorcycle. It’s crucial to get motorcycle insurance before hitting the road. The right insurance will protect you and other road users. 

If you’re in Memphis, TN, check out Antony Lancaster Insurance Inc. for your motorcycle insurance. You might want to know more about this insurance to guide you through making a purchase. 

Here are some motorcycle insurance requirements that you should know. 

Bodily Injury Liability Insurance 

If you’re the at-fault party in a car accident, you’ll be liable for the other person’s injury. The state requires you to have bodily injury liability insurance to cover their medical expenses and any lost income resulting from the injuries. 

Property Damage Liability

Property damage insurance is a requirement for motorcycle insurance in Tennessee. It covers the financial liability when one gets into an accident leading to someone’s else property damage. Some things covered under this insurance include:

• Repairs for the other party’s vehicle 
• Fixing destruction caused on other businesses, fences, houses, and mailboxes, among other damaged property
• Legal fees
• Recurring expenses from the damage

Multiple Fatality Coverage 

The coverage limits for multiple fatalities are often double the coverage for one person. It would help to seek clarity from your insurer to know more about single liability coverage and multiple liabilities. 

Motorcycle insurance has several coverage options to protect you and other road users. While bodily injury and property damage are a priority, consider comprehensive coverage to address your motorcycle’s damage resulting from vandalism or theft. 

Anthony Lancaster Insurance Inc. in Memphis, TN has some of the market’s leading motorcycle insurance options. Contact us today to learn more about our motorcycle coverage and get insight into how it can benefit you.