Individuals who operate a motorcycle in Kansas must carry liability insurance while other types of insurance coverage are optional. Motorcycle operators must have enough insurance if they need to use it, but buying insurance that’s not necessarily needed is a waste of money. If you have to purchase motorcycle insurance in Wichita KS, read the information below to learn the answers to popular questions about this type of insurance.
Q.) How are some ways that an individual can save money on their motorcycle insurance premiums?
A.) Many insurance agents offer individuals a discount if they purchase more than one type of insurance from the company. This means that a person’s motorcycle insurance will cost less if they also have their automobile or home insured with the same agent. Motorcycle owners may also qualify for discounted premiums if they successfully pass a safety course or have anti-lock brakes.
Q.) What are the basic types of motorcycle insurance that are available?
A.) Liability insurance pays for the cost of damages to other vehicles or property and for any medical costs that are incurred to other people when an individual causes an accident. Just like car insurance, this kind of insurance is required in the state of Kansas. Motorcycle owners can also purchase additional types of insurance, such as collision, comprehensive and medical payments.
Collision pays to repair the motorcycle when a person has an accident. Comprehensive insurance covers motorcycle repair when it’s damaged by vandals, weather-related incidents or a fire. When a person adds in a medical policy, this will pay some of the costs when a person needs medical attention after a motorcycle accident. Some individuals also choose to carry towing insurance in the event their motorcycle breaks down, and they need to have it taken to a repair shop. When deciding on the right amount of coverage, motorcycle owners can discuss their options with an agent who has experience with Motorcycle Insurance in Wichita KS.
If you need motorcycle insurance, contact us at the Andy Woodward Insurance Agency. This experienced company also provides individuals with automobile, life and home insurance coverage. When you visit their website, request a free price quote or call the office and speak directly with a qualified agent.