How Can I Lower My Motorcycle Insurance Rates?

Most states in the US, including Kansas, require your motorcycle to be insured to be able to ride it on public roads. If you are a bike owner in Overland Park, KS, high motorcycle insurance rates by drowning the feelings of freedom and adventure that are synonymous with the experience.

Here’s how you can lower your motorcycle insurance rates:

1. Take a Motorcycle Safety Course

If you take a motorcycle safety course, your motorcycle insurance provider will perceive you as a rider who is less likely to be in an accident or suffer severe injuries if you are involved in an accident. This is because you have a better understanding of motorbike safety precautions, such as wearing the correct proactive gear, thanks to the motorcycle safety course you took. Thus, they reduce your insurance rates.

2. Add Security Features to Your Bike

According to 2017 statistics, more than 44,000 motorcycle thefts happened in the US. Installing security features like a chain wheel lock and tracker to your bike means that it’s less likely to be stolen, and it can easily be recovered if it’s stolen. This will result in the reduction of your motorcycle insurance rates.

3. Get the Right Coverage

If you ride your bike less frequently, we at Fortress Insurance Agency recommend you get low mileage motorcycle insurance which has lower rates. Additionally, it’s likely that you don’t ride your bike during winter; thus, you should consider motorcycle insurance coverage that offers a significant discount on the premiums during the off-season months.

4. Maintain a Clean Riding Record

If you frequently get involved in motorcycle accidents, your insurance rates will be higher. However, you can get lower rates if you maintain a clean accident-free riding record.

If you are shopping for motorcycle insurance in Overland Park, KS, come to Fortress Insurance Agency, and our benevolent team of experts will help you. Contact us today.

Consequences of Riding Without Kansas Motorcycle Insurance

Motorcycle insurance is that coverage that protects you whenever you are using your bike. It cushions you against liabilities and protects your bike following an accident. But guess what? Some folks have the guts to hit the road without motorcycle insurance! Is it really worth it? Fortress Insurance Agency in Overland Park, KS, shares the risks and consequences of riding without Kansas motorcycle insurance.

Penalties and fines

Law is the law and must be followed. Failure to comply with the law results in dire consequences. For instance, if you fail to carry adequate motorcycle insurance in Kansas, penalties include license suspension, monetary fines, arrest, and point deduction in your license.

Looking at the time and resources spent for non-compliance, why would you ride without motorcycle insurance, yet you can purchase coverage hassle-free from Fortress Insurance Agency?

Financial losses

Here are the likely financial consequences of a biking accident:

  • Medical costs to treat injuries to self
  • Damages sustained to your bike
  • Injuries and damages sustained to third parties
  • Legal suits

Given that the resulting financial losses of a road accident can quickly stack up, you need motorcycle insurance to cushion you when accidents happen. Otherwise, without insurance, your assets will be at stake. Would you want that?

Worry-laden ride

You can’t have peace of mind when you are riding without insurance. You are either thinking of being caught by traffic police or the consequences of an accident. You don’t have to go through this hassle, yet you can purchase affordable coverage from Fortress Insurance Agency.

Get motorcycle insurance today!

As you can see, it’s not worth trying to hit the road without motorcycle insurance. If you are restricted financially to buy insurance, you better hop into public transport rather than risk your life and finances by riding without insurance.

Shopping for motorcycle insurance in Overland Park, KS? Please get in touch with Fortress Insurance Agency for an affordable quote.

Let’s Talk About Kansas Motorcycle Insurance

If you are involved in a motorcycle accident in Overland Park, KS, the limit of insurance coverage on your motorcycle insurance determines the amount of compensation you receive. Optimal motorcycle insurance can be the difference between you obtaining an excellent compensation package and walking away with uncovered liabilities after an accident. That being said, Fortress Insurance Agency is here to give you insights into Kansas motorcycle insurance to enable you to make an informed decision when shopping for coverage. 

Motorcycle insurance is mandatory.

Like your auto insurance, all Kansas riders are required to carry motorcycle insurance when riding on public roads. Failure to carry motorcycle insurance could result in fines and penalties, including license suspension.

State-required motorcycle insurance

The Kansas state requires all riders to carry the below minimum motorcycle insurance coverages:

  • Liability coverage: You should have bodily injury liability coverage to pay medical expenses for accidents you cause to others. Property liability coverage protects you against damages you cause to other people’s property. 
  • Personal injury protection (PIP) coverage: This coverage covers medical expenses, final expenses, and partial loss of income for you and your passengers when involved in an accident. 
  • Underinsured motorist coverage: This insurance plan covers medical costs for you when involved in a crash with an uninsured motorist at fault. Additionally, this insurance comes in handy in hit-and-run scenarios. 

Optional motorcycle insurance coverages

Given that motorcycle accidents can be catastrophic, you need more than the state-required minimums to get proper coverage. Here are additional insurance options that riders can consider:

  • Collision coverage: Pays for physical damages to your bike when involved in an accident.
  • Comprehensive coverage: Protects your bike against non-collision perils like theft, vandalism, fire, hail, falling objects, and other natural calamities. 

Are you looking for motorcycle insurance in Overland Park, KS? Please contact Fortress Insurance Agency for an affordable quote.

Road safety tips for motorcycle riders in Kansas

Let’s just be honest that motorcycles are fun, cool, and fuel-efficient ways of getting around. However, it is also true that motorcycles are among the riskiest modes of transport, especially for new owners in Overland Park, KS.

Motorcycle related accidents are likely to be 30 times more fatal than car accidents, and that’s why Fortress Insurance Agency recommends buying adequate motorcycle insurance to help keep you safe. So what are the safety tips for new motorcycle riders in Overland Park, KS? Read on to find out.

Wear protective gear before heading out

Riding a motorcycle is nothing like driving a car. Your body is not only exposed to the windy and cold outdoor temperatures but also at risk of getting injured when you collide with other objects. That’s why motorcycles come with helmets with face shields to cushion your head from injuries.

Always keep distance

The rule of keeping a distance applies to all motorists. As a motorcycle rider, keeping a distance of several meters away can save you from reckless car drivers or inexperienced drivers who may underestimate their speed and knock you.

Embrace defensive driving

Never assume that other drivers can see you. Always ride defensively by keeping a good distance and staying out of a driver’s blind spot. If you need to make a move, such as changing direction, give a proper signal, and watch for direction changing vehicles.

Follow traffic rules

Not adhering to traffic rules is one of the causes of most motorcycle accidents. Many motorcycle owners tend to violate these rules, risking accidents, and putting other drivers’ lives at risk. Keep your speed low; remember, the faster you go, the longer it will take you to stop. Learn motorcycle traffic rules and regulations to avoid penalties or even jail terms.

Operating a motorcycle requires unique skills. However, traffic laws and insurance coverages apply to every rider. If you need a customized motorcycle insurance policy, contact Fortress Insurance Agency, and we will help create a policy that fits your needs.