Bargain Insurance Connection

2635 NE Vivion Rd

Kansas City, MO 64119

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Denied Insurance Coverage Before?

Have you been denied insurance coverage by other agents or told your risk is too high? Bargain Insurance Connection is here to help. Accidents, Tickets, SR-22 Requirements.
For more information please call:
(816) 453-7722


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Auto Insurance

An auto insurance policy is required to operate a motor vehicle throughout the United States. A comprehensive auto insurance plan can protect you by assessing your liability in an accident and fending off illegitimate claims.

Two types of auto insurance are mandated in the US: The no-fault system and the tort system. Used by most states, the no-fault system stipulates that your insurance company will pay your injury claims in the event of an accident (up to a predetermined limit),
no matter who caused it.


The tort system, by contrast, stipulates that those who are injured in auto accidents must seek out-of-pocket medical care, and then hold the insurance company of the driver responsible for reimbursement. Such individuals must be able to prove that the medical care was reasonable and necessary. Under this law, the party at fault cannot sue for reimbursement of medical expenses.

Different rates for different cars

Vehicles are grouped into categories according to their likelihood of being damaged, vandalized or stolen. Insurers generally consider the size and type of vehicle, as well as the value and the cost of repairs. A new station wagon is expected to hold up better in an accident than a sports car or a subcompact.


You should research insurance coverage before you buy your car. It helps you to understand the actual cost and indicates those vehicles with good safety records. Bargain Insurance Connection will ultimately reward you for putting safety first.

Types of policies and what do they cover


Liability insurance coverage is typically mandatory by state law. Liability insurance coverage will protect you and your assets if you are found liable (responsible) for harming someone else's vehicle or body parts. We can help you determine how much liability coverage is right for you. If you do not have adequate coverage in place, one at-fault collision with a luxury car that has passengers could mean waving goodbye to your financial dreams.


Uninsured or Underinsured Motorist

This coverage is required by law in most states. It's important to keep in mind that almost 20% of drivers on the road do not have any insurance and another large group probably skimp by having the sometimes-inadequate state minimums. The premium on this coverage is typically low.



Collision insurance is optional insurance that provides coverage against harm done to your own vehicle. If someone hits your car, their liability insurance will cover the repairs and you won't need collision insurance. However, if you caused the accident, collision insurance will protect your car. The safer you drive, the less you need collision insurance.



Comprehensive insurance protects you against other damages to your vehicle that might be caused besides accidents. These can be from vandalism, burglary, tornados, earthquakes, falling trees, etc. If you live in an area with a low crime rate and mild-climates, you might not need this coverage.

One thing to remember regarding Collision and Comprehensive coverage is to keep in mind your vehicles value. Once your vehicle's value drops beyond a certain benchmark, neither coverage may be worth owning. One rule of thumb to assess this value: If the insurance premium equals ten percent of your vehicle's value, you might want to drop the extra coverage.

We also consult on the following insurance policies:

  • Motorcycles, RVs, trailers, etc.

For more information, please contact our auto insurance specialist:

Samir Rasiti

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