Motorcycle Insurance in Kansas City
Low Cost Motorcycle Insurance for Missouri and Kansas
Why you need motorcycle insurance?
Motorcycle insurance isn’t just about complying with the law; it’s about protecting yourself on the open road. Riding a motorcycle in Kansas City, or anywhere in Missouri and Kansas, can be an exhilarating experience, but it also exposes you to certain risks. With affordable motorcycle insurance, you can ride with the peace of mind that you are covered should anything unexpected happen.
Whether you’re cruising on a touring bike or zipping around on a sport motorcycle, scooter, or moped, our motorcycle insurance plans offer the financial protection you need. From liability coverage, which helps you if you’re responsible for an accident, to comprehensive and collision coverage that protects your investment in your bike, we’ve got you covered. Remember, safety is as critical as enjoying the ride, and getting insured is part of that safety. Choose Bargain Insurance Connection for affordable motorcycle insurance in Kansas City and ride with confidence.
How much coverage is needed for a motorcycle?
When it comes to motorcycle insurance, having the right coverage is essential for every rider’s peace of mind. The best motorcycle insurance covers a wide range of aspects, including collision, comprehensive, and liability coverage. Collision coverage protects you from any damage your bike might incur in the event of an accident. Comprehensive coverage provides protection against theft, vandalism, or damage from natural causes, like a hailstorm.
However, not everyone requires the same level of coverage. If you’re looking for affordable motorcycle insurance in Kansas City, Missouri, and Kansas, you can opt for lower limits and deductibles. Lower limits can help reduce your premium, but remember, they also mean less coverage in the event of an accident. Higher deductibles can also help lower your premium, but it means you’ll pay more out of pocket if an accident does occur.
One important factor that should never be overlooked is medical coverage. This coverage can help pay for hospital bills, doctor’s visits, and even funeral expenses in the event of a fatal accident.
No matter what type of motorcycle you ride, from touring bikes to sport motorcycles to mopeds and scooters, having good medical coverage can provide a significant financial safety net if you ever need it.
What insurance coverage is available for a motorcycle?
At Bargain Insurance Connection, we offer a variety of coverage options to ensure you and your motorcycle are fully protected. Our policies range from minimum liability limits of 25/50/25, covering up to $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage, to higher limits of 100/300/100.
Both Missouri and Kansas mandate uninsured motorist coverage to protect you from drivers who are uninsured — a crucial aspect of any motorcycle insurance policy.
Beyond these fundamental coverages, we offer optional benefits for a more comprehensive protection. These include medical payments coverage, which covers medical expenses for you and your passengers regardless of fault, and roadside assistance for those unexpected breakdowns.
If your bike includes custom equipment, we’ve got you covered there too. We strive to provide the most affordable motorcycle insurance in Kansas City, ensuring you can enjoy the open road without worry.
What is the cost of Motorcycle insurance?
Motorcycle insurance costs can vary greatly, being significantly influenced by factors such as the type of coverage you opt for, the type of motorcycle you ride, and the age of the rider. If you’re looking for affordable motorcycle insurance in Kansas City, Missouri or Kansas, it’s important to understand these factors.
At the most basic level, liability only insurance can be as inexpensive as $100 a year, providing essential coverage against damages or injuries that you may cause to others in an accident. However, if you own a high-performance bike, particularly those with an engine size over 600 cc’s, your insurance costs may be higher due to the increased risk associated with these powerful motorcycles.
Similarly, younger riders may face higher rates due to their relative lack of experience on the road. At Bargain Insurance Connection, we strive to provide the most comprehensive and affordable motorcycle insurance solutions tailored to your specific needs and circumstances, ensuring that you can ride with peace of mind.
Discounts available to motorcycle riders
At Bargain Insurance Connection, we believe in rewarding safe and responsible riders with great discounts. If you’ve completed a motorcycle safety course, you’re eligible for a special discount on your motorcycle insurance. We also offer multi-policy discounts.
If you choose us for both your auto and motorcycle insurance, you’ll see savings add up. Homeowners too get a special nod with our homeowners discount, particularly if you garage your motorcycle, further reducing the risk factor.
Lastly, we appreciate customers who pay in full and reward them with unique discounts. So not only do you get affordable motorcycle insurance in Kansas City, Missouri, and Kansas, but you also get the opportunity to save even more! Remember, the more precautions you take, the more you stand to save. Enjoy the ride with peace of mind knowing you’re covered by the best!
Save on motorcycle insurance by becoming a member of a motorcycle organization like Harley Owners Group (HOG), Honda Riders Club of America, Road Riders Association and others.