You may already know that David Pope Insurance Services, LLC is the place to go for auto insurance in Union, St. Clair, Washington and surrounding areas in Missouri, but did you know that we are the place to go for motorcycle insurance in Kansas, Arkansas, and Iowa as well? It’s true. Our flexible, customized insurance policy practices mean we can offer quotes for all kinds of less common vehicles, from standard automobiles to RVs, to watercraft and motorcycles.
Contact us today to learn more about our motorcycle coverage options.
Driving a motorcycle is exhilarating and fun, but it can also be dangerous. This is why all motorcycle drivers need motorcycle insurance. Motorcycle insurance exists to protect you or another driver with whom you may be involved in an accident from the potentially exorbitant cost of paying medical and repair bills.
Almost every state requires bikers to purchase some form of motorcycle insurance. Missouri motorcycle insurance laws, for instance, require every motorcyclist to buy liability insurance. Motorcycle insurance works much the same way that car insurance does, with some slight differences. Some insurance, like liability, is required to drive a bike on the roads in Missouri.
You can also purchase other options that will extend your coverage and ensure that you are receiving the right amount of insurance for your needs.
Before you decide just how much coverage you want and what kinds of coverage you want, it makes sense to find out what your state requires you to carry.
In Missouri, all motorcyclists must carry liability insurance. If you are ever found at fault in a motorcycle accident, this kind of coverage will help cover the costs of other drivers’ injuries and damages to their property.
You must have coverage of at least 25,000/50,000/25,000 to ride a motorcycle in Missouri. The first amount is the maximum amount your insurance will pay per person after a motorcycle accident that is your fault. The second amount is the maximum total that the insurance company will cover after an accident. The final number is the maximum amount that a motorcycle insurance company will pay for property damage after an accident caused by the policyholder.
So if you’re at fault in a motorcycle accident in Missouri, and you only have the minimum amount of liability coverage, this means that your insurance company will pay medical costs of up to $25,000 per individual for any injuries they have suffered. If two people are injured in the crash, the insurance company will pay up to $50,000 to cover their injuries. If more than two people are injured and their costs exceed the $50,000 total, you’re on the hook for those costs.
Finally, the insurance company will pay up to $25,000 for any damages to the other driver’s vehicle or property in a crash.
It’s important to note here that these are only minimum coverages and that you can purchase higher limits of coverage if you desire.
No. You must have at least the minimum liability coverage to ride a motorcycle in Missouri and in most other American states.
Some kinds of motorcycle insurance, like liability, are required to be able to ride a motorcycle. Other forms of motorcycle insurance are optional coverage that will increase the premiums you pay each month but may save you money if you are involved in an accident.
As we noted above, liability insurance covers the costs associated with injury to a person or any damage to their property if you are involved in a motorcycle accident and you are at fault. In Missouri, you only need the minimal amounts mentioned above, but depending on your driving habits, you may want to purchase higher limits. You should speak to an insurance expert at David Pope Insurance Services who can help you determine just how much liability coverage you should carry.
If you think that you may be in a motorcycle accident someday, and you’re worried that your healthcare will not cover all of the medical expenses, you should purchase PIP coverage. This coverage not only includes medical costs but may also help cover lost wages and other damages for both yourself and your passengers.
Comprehensive insurance provides protection for your motorcycle for things that can happen to it besides being damaged in a crash. Comprehensive insurance protects your motorcycle from theft, vandalism and damage caused in a flood, an earthquake, a storm or any other similar act of nature. Since a motorcycle is stolen every 11 minutes in the United States, you may want to consider this type of coverage. Comprehensive insurance is also important to maintain during those periods of the year when you’re storing your bike.
Collision insurance will cover the cost of repairs if you accidentally drive your motorcycle into a car or into a stationary object like a fence, causing damage to your bike.
If you’re involved in an accident, whether it’s with another motorcycle or another kind of vehicle, and the owner of that other vehicle either doesn’t have insurance or is underinsured, this form of coverage will help cover the costs that the other party is unable to pay.
This is one of the kinds of motor insurance that differs from car insurance. In some states, guest passenger liability insurance is folded in with the mandatory insurance you need to carry. In other states, you purchase it separately. This form of insurance covers the cost of medical bills for anyone who is riding on the motorcycle with you. If you frequently carry passengers, you will want to add this kind of coverage to your insurance.
Also known as mechanical breakdown insurance, this is a form of optional insurance that will cover certain costs associated with repairs to your motorcycle. In essence, it’s a form of extended warranty. Depending on the kind of motorcycle repair insurance you purchase, there may be a deductible for each visit.
This coverage applies to any of the things that you take with you when you’re riding your motorcycle, such as tools, helmets, a cell phone, a radio and clothing. It covers damage to these items in the event of an accident and other situations as well. If an item falls off your motorcycle while you’re driving, for example, and you can’t recover it, this form of insurance will cover the cost of replacement.
Although we’ve covered comprehensive and collision above, full coverage motorcycle insurance is a form of policy that includes all the important elements of insurance — liability, comprehensive and collision. This is an excellent policy to own if you are driving a newer bike or if your bike is a model that might require costly repairs. Talk to your insurance agent about whether you need full coverage.
Like with car insurance, there are several factors that an insurance company will take into consideration when determining the price of a premium. Your insurance premiums will also fluctuate depending on how many different kinds of coverage you purchase.
Some of the factors that an insurance carrier will take into account while preparing your premiums include:
The older you are, and the more experience that you have had driving a motorcycle, the lower premiums you will pay. Younger drivers, especially in their late teens and early 20s, can expect to pay more in premiums than older drivers.
Men will always pay more than women. Statistical data shows that men are more prone to risky activity while driving a motorcycle than women are.
If you have a history of vehicle violations, — not just on your motorcycle but also when you’re driving your other vehicles — you will pay more in premiums than a driver who has a safe driving record.
The newer your motorcycle is, and the more powerful it is, the more you will pay in premiums.
If you live in a relatively rural area as opposed to a more urban setting, you’ll likely pay less in premiums. That’s because many insurance carriers believe that your bike is more likely to be stolen in urban areas than it is in rural areas.
Motorcycle theft is a problem because the recovery rate is low. It’s quite easy for a motorcycle thief to hide or cover a stolen bike. In many cases, a motorcycle is dismantled for parts within a relatively short period after it has been stolen.
Compared to the cost of insuring your car, purchasing motorcycle insurance can seem expensive. The higher average cost of motorcycle insurance can really be boiled down to one factor — the higher risk of injury or death that motorcyclists face in an accident. This is the result of several factors:
There are several steps that you can take, however, that will help lower your insurance premiums on your motorcycle:
This again depends on several factors, but mostly on the type of bike you drive and how you plan to use it.
If you are happy with a more conventional, less powerful motorcycle that you will only drive on the weekends for enjoyment, and you take all the appropriate safety courses, you can probably get along with minimum liability insurance and maybe one or two other motorcycle insurance options.
If on the other hand, you purchase a racing bike, dirt bike or sport bike, and you plan to ride your bike often, you should probably carry more than the minimum amount of liability insurance and purchase options that will provide better coverage of any medical costs.
Also, if you’re the type of driver who likes to ride fast and weave between cars on the highway, you are at a higher risk of serious injury. As a result, you will want to purchase a higher level of liability coverage as well as more coverage for collision and medical costs.
You should talk to your insurance agent about how much coverage you need. You need to be honest about your driving habits. While you may pay more in premiums, a higher premium cost is relatively inexpensive compared to the costs that you’ll have to pay out-of-pocket if you are involved in a serious motorcycle crash and don’t have enough coverage.
Many motorcyclists think that they only need to insure their bikes when they’re actually riding them, so they drop their coverage during the months when their bikes are in storage. This can result in a time-consuming process of hunting for new insurance at the start of every new season.
Many insurers offer what is called layup insurance. This coverage will protect you against theft and other incidents that can happen when your motorcycle is in storage. Keep in mind, however, if there are several warm days during the winter, and you decide you want to take your bike for a ride, layup coverage will not protect you. If you live in a region where you think you will be able to get in several days of driving over the winter, you’ll probably want to maintain your regular coverage.
For many motorcycle riders, your motorcycle is not your only means of transportation. Or you may have multiple motorcycles you need to insure. Whatever your particular situation is, finding cheap motorcycle insurance in Washington, Missouri and throughout the state is important. Motorcycle insurance premiums can put a significant dent in your budget, which is why you want to get the best deal possible.
That’s exactly what David Pope Insurance Services, LLC provides. With us, you can get online motorcycle insurance quotes fast, at a rate you can afford. We specialize in accommodating motorcycle riders in just this way. But just because you’re not paying as much as you expected for your motorcycle insurance, that doesn’t mean you’re getting a low-quality policy. Our focus is on making sure you get all the coverage you need while staying within your budget, and our agents are trained in working with you until we find a policy you’re happy with.
We’ve written up countless motorcycle insurance policies, and it’s our experience and relationships that enable us to find motorcycle insurance policies that will protect you financially, so you can enjoy peace of mind while riding.
If you need motorcycle insurance as well as standard vehicle insurance or other types of insurance, let us know. We may be able to bundle policies and increase your savings. We know you understand that insurance is a necessary expense, but it’s one you would rather not have to think about. Our goal is to provide the best motorcycle insurance in Missouri & beyond and make the process as painless for you as possible.
If you go out on your motorcycle without insurance, you are putting yourself in a dangerous and illegal situation. But thanks to the fast, flexible policies we at David Pope Insurance Services, LLC can provide, you don’t have to go that route.
To find out more about great, affordable policies for motorcycle insurance and all your insurance needs, call 636-583-0800 today. Or for a free quote, fill out a contact form online now.
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