Motorcycle Insurance Quote Forms
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Motorcycle Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Motorcycle Insurance Information
Also Serving St. Louis, Springfield, Wichita & other areas in Missouri, Kansas, Oklahoma & Texas
The Federal Highway Administration estimates that there are more than 8.7 million motorcycles registered in the United States. As motor vehicles, bikes need insurance just as much as any car or truck, and they get it with motorcycle insurance. Auto Insurance Discounters insures bikes and riders of all shapes and sizes. Contact us at (816) 252-2255 to get a free quote on one of our top-rated policies.
Why Do I Need Motorcycle Insurance?
You must have motorcycle insurance to be able to operate your vehicle legally. It's there to help you pay for the costs of property damage and injuries that both you and others might sustain in wrecks or other accidents. Beyond these requirements, bikers need coverage simply because it helps them bear loss burdens.
Motorcycles are a lot more dangerous and difficult to operate than the average car. Though motorcycles account for only about 3 percent of total vehicles, the National Highway Traffic Safety Administration estimates that bikers made up about 14 percent of all traffic fatalities in 2017. The total economic loss of bike wrecks was estimated at $16 billion in 2012. Motorcycle insurance can be a solution in a bad situation.
How Do I Get Insurance For My Motorcycle?
Motorcycle insurance policies can contain numerous types of coverage, such as:
- Liability Insurance: If you are found at-fault for a wreck (meaning you caused it), then you might have to pay for the damage you caused others. Motorcycle liability policies can pay for another party's property damage and bodily injury costs.
- Collision Insurance: If you have a wreck, this coverage pays for the bike's repairs.
- Comprehensive Insurance: Hazards other than collisions (weather, floods, fires, theft, vandalism etc.) might damage your bike. This coverage pays for such losses.
- Uninsured/Underinsured Motorist Insurance: Another driver might be at-fault for a wreck that damages your bike. However, they might not have adequate liability insurance, or be totally uninsured. Uninsured/underinsured coverage can pay for your losses instead.
- Contents Insurance: Tools, saddle gear, clothing, cellphones and other belongings can receive coverage under this portion of your coverage.
- Accessory Coverage: When you add custom equipment to your bike — such as chrome detailing — this coverage can pay for those items.
- Medical Payments Coverage: If you get hurt in a wreck, this coverage helps pay your medical bills.
Policies might also offer roadside assistance, tow-trailer protection, breakdown coverage and other perks. Speak to your agent about your exact coverage needs.
Required Motorcycle Coverage
Most states require bikers to carry certain levels of motorcycle insurance, usually liability, un/underinsured and, sometimes, PIP insurance.
Let your agent help you choose the right coverage limits to meet minimum requirements. However, keep in mind that you can increase your policy limits to give you even more protection in the costliest situations. It's always better to carry higher amounts of insurance than to wind up being without coverage when a costly accident occurs.
What Is The Average Cost Of Motorcycle Insurance?
The average cost of motorcycle insurance in the U.S. is about $500 per year. Still, you can't hold this number up as a measure of what you will pay. Premiums reflect an individual policyholder's risks when they use their bike. Therefore, your policy cost might differ.
Some of the factors that your insurer might use to determine your premium include:
- The age and value of your bike
- The number of accidents and violations reflected on your driving record
- The types of coverage, limits and deductibles within the policy you choose
- Your age (20-year-olds are usually riskier to insure than seasoned drivers)
- Your Credit Score
- Your history of past claims on other insurance policies, and any lapses in coverage
Each of these factors will help an insurer gauge how likely you are to be a good customer, and how likely you are to file a claim on your policy. Those who pose more risks are likely to pay more for coverage.
However, your Auto Insurance Discounters agent is happy to help you compare numerous policy options and discount opportunities. We guarantee that you'll always get the most-appropriate rates for your chosen coverage.
Get Started Now
The sooner you get motorcycle insurance, the more financially-sound you will be. Call Auto Insurance Discounters at (866) 288-6545 or get an online quote. We're ready to help!