Motorcycle Insurance Quote Forms
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Motorcycle Insurance Information
Motorcycle Insurance in Kansas City, MO and Kansas
Do I Need Motorcycle Insurance?
Missouri requires all motorists to carry motor vehicle insurance, and motorcyclists are no exception. Your bike is as much of a vehicle as any other, and it often faces enhanced liabilities and safety risks as opposed to those faced by the standard vehicle operator. Therefore, motorcycle insurance benefits, specifically, are a bit different from those of standard auto insurance.
Motorcycle policies are customizable to the individual biker, and with the help of Bargain Insurance Connection, you’ll be able to put together the benefits package that is tailored to your needs whenever you hit the road. We’ll be your trusted, expert agency partner that will help you get the perfect coverage that will always be affordable.
Contact us at (816) 453-7722 or request your free quote now!
Much like auto insurance, choosing the right motorcycle insurance is important. With the cost of today’s motorcycles and the additional features and equipment, you need to have your motorcycle properly insured.
Values of new bikes can exceed $30,000 including custom equipment and if you damage your motorcycle not have insurance, you can take a big financial hit.
Most motorcycle policies for touring and cruising bikes are very affordable and there is no reason to skimp on insurance. Prices for basic liability insurance are often less than a $100 a year.
We at Bargain Insurance Connection check quotes with multiple national motorcycle insurance companies, we compare the rates for you and find affordable insurance for you.. If you are looking for affordable motorcycle insurance in Kansas City, give us a quick call and see how much you can save. We provide motorcycle insurance for riders residing in Missouri or Kansas.
Motorcycles We Can Insure:
Whether you drive thousands of miles every year or just on some weekends, we've got the coverage for you. Custom coverage available for aftermarket parts up to $30,000.
Get your high performance ride insured. Custom equipment coverage available. Include your carried gear - helmets, phones and GPS for complete coverage.
For off-roading or for street use, we can help you insure it. You can include medical coverage for yourself. Low insurance premiums.
Premiums as low as $75 per year. Insure your moped or scooter for just pennies per day. Liability or comprehensive and collision coverage available.
Off-road fun without the worry. We can insure your ATV's and Side-By-Side. Many custom options available for your aftermarket parts. Full replacement cost available for newer off-road vehicles.
More About Motorcycle Insurance
What is Motorcycle Insurance?
Like auto insurance policies, motorcycle insurance is there to help motorcycle owners to recover from an accident.. Motorcycles are not immune to accident or other damage risks, nor can riders avoid the costs that might arise from these hazards. Coverage essentially takes the benefits of auto insurance and customizes them to bikers’ needs.
Why is Motorcycle Insurance Important?
Motorcycles are much riskier to operate than they average car. They:
Do not insulate the driver from the road in the way that the standard car does.
Require more control and balance practices from the rider.
Are often harder to see on roadways due to their small sizes.
All these liabilities increase the risk of accidents occurring, which is why the biker needs quality insurance benefits. It is those benefits that will offer you the financial help you need when costly accidents occur.
What Does Motorcycle Insurance Cover?
Your motorcycle insurance benefits can offer numerous types of coverage, which you can use to your advantage in numerous loss scenarios:
Comprehensive Coverage: This provides compensation if the motorcycle is damaged or lost due to fire, theft, vandalism, hail or wind.
Collision Coverage: This provides compensation if the motorcycle is damaged or lost due to collision with another vehicle or object.
Liability Insurance: This covers bodily injury and property damage the insured biker may cause while operating the vehicle.
Personal Injury Protection: This insurance helps with medical expenses for the driver and their passengers in case of an accident, no matter who is at-fault.
Guest Passenger Liability Insurance: This coverage steps in if a guest driver causes an accident while operating the motorcycle with the owner’s permission.
Uninsured/Underinsured Motorist Insurance: This insurance steps in if the insured vehicle is involved in an accident with a driver not carrying insurance.
Other benefits that you can also use to your advantage include:
Custom parts coverage
How Much Insurance Do I Need?
By law, all Missouri drivers, including motorcyclists, must carry at least:
$25,000 bodily injury liability coverage per person
$50,000 bodily injury liability coverage per accident
$25,000 property damage liability coverage
$25,000 uninsured motorist bodily injury coverage per person
$50,000 uninsured motorist bodily injury coverage per accident
Additionally, if you have financed your bike, then you might be required to carry collision, comprehensive and gap insurance.
Please note, it’s important that you consider carrying more coverage than just the minimum benefits required of you. We’re here to help you optimize your coverage to your advantage.
What Does Motorcycle Insurance Cost?
We know that you want to be cost-conscious when insuring your bike, and we’ll work side by side with you to help you get the coverage that will remain affordable while still providing you with the right balance of benefits. Our carrier partners offer competitively priced, benefits-packed policies that will always offer the policyholder the best benefits at prices that can fit into any budget. Prices could be as low as $100 per year.
Tips How To Save on Motorcycle Insurance:
Safety course completion – you can save money on insurance if you show proof that you have completed the motorcycle safety course and having a motorcycle endorsement on your license.
Organization member discount – additional discounts available if you are a member of a motorcycle club or other organization (i.e. Harley Owners Group HOG). Often these organizations partner with insurance companies to offer their members discounts. They also provide great resources and inform you of any riding events close to you.
Multi-bike – get discounts by insuring multiple motorcycles or even insuring an auto with the same insurance company for multi-policy discount.
Garage your motorcycle – If you keep you motorcycle in an enclosed structure while not in use, you qualify for an additional discount because it lowers your risk of theft.
Choose the right motorcycle – If you own a sports bike, you are likely paying higher premiums than traditional road bikes due to a higher risk. Always check with your insurance company before buying a motorcycle to avoid surprise premiums.
Pay in full – insurance companies offer significant discounts if you pay your premium in full for the whole year.
Low mileage discount – if you are riding only on sunny weekends as opposed to riding to work every day, you would qualify for lower premium due to less time spent on the road.