As the weather warms up in Missouri, the number of motorcycles on the road is increasing. If you’re new to the riding experience, the expert agents at Arlene Lear Insurance recommend getting familiar with motorcycle insurance and what it can do for you.

While similar to auto insurance, it’s important to review the specifics of motorcycle coverage before starting a policy. To help you navigate what the coverage entails, this full-service Missouri agency has answered a few frequently asked questions regarding motorcycle insurance.  

5 Motorcycle Insurance FAQs

1. Is Motorcycle Insurance Required?

As in other states, insurance is required for those who drive motorcycles in Missouri. The minimum coverage limits, however, are slightly higher than what other states require. Specifically, your policy will at least need to provide $25,000 per person for bodily injury, $50,000 total for bodily injury per accident, and $10,000 in property damage coverage per accident.

2. What Are My Coverage Options?

When you purchase the minimum insurance as required by the state, only the injuries of others and property damage you cause will cover. If you want to make sure repairs to your motorcycle are included, you’ll need to ask your insurance agent about collision and comprehensive coverage options. Similarly, you may also want to ask about personal insurance protection if you are concerned about medical injury costs. However, if you already have health insurance, some injuries may be covered.  

3. Is It More Expensive to Insure a Motorcycle Than a Car?

On average, motorcycle insurance is more expensive than what it costs to insure a vehicle. This is due to the fact that motorcycles present a greater risk of accidents on the road, increasing the liability of the insurance provider.

4. Will My Driving History Influence My Insurance Rate?

One major deciding factor insurance providers use to determine your motorcycle coverage premium is how risky of a driver you are. Even if you don’t have a history of riding a motorcycle, your agent will look to your driving history as a motorist to determine your overall risk.

5. What Are Some Ways to Lower Motorcycle Insurance Rates?

Your agent can help you explore several ways to lower the amount you pay for motorcycle insurance. For example, you may qualify for a discount if you have completed a safety training program or are a casual rider who doesn’t cover much distance on your bike. You can also save a significant amount if you bundle coverage with an existing auto or homeowners insurance policy.

The agent you work with will also play a role in determining how much you save on motorcycle insurance. Arlene Lear Insurance is recognized for providing affordable insurance in Polk County, all while helping clients maximize coverage through personalized service. To learn more about how this agency can help lower your premiums, call (417) 777-3000 to reach their office in Bolivar or (417) 754-8377 to reach the agents at their Humansville location. You can also visit them online to learn more.