If you live in the greater Springfield, Missouri area, chances are that Tagge Insurance can help you find insurance coverage for whatever you ride. From cruisers and touring bikes to sport bikes and scooters, we have insurance that fully supports your life on two wheels. Our goal is to provide complete and total protection for you and your bike – all while saving you money on premiums.
Consider this: You decide to pop over to Branson for a three-day weekend at Table Rock Lake. On your way down, your motorcycle loses traction with the road, sending you skidding into a vehicle parked on the shoulder. You and a victim inside the car are injured, and your bike inflicts significant damage on the other vehicle. Suddenly, you are faced with medical bills, lost wages, and vehicle repair bills for both you and the victim. How well would your insurance hold up? With the right coverage, your insurance would provide total protection for both you and your liability for the victim’s damages.
Types of Motorcycle Coverage
A motorcycle insurance policy typically includes several types of coverage. Although your specific coverage may vary, we generally recommend:
Liability Insurance
Missouri requires riders to carry a minimum of $10,000 for property damage liability and $25,000 for bodily injury ($50,000 for two or more injured victims in an accident). However, you may decide to purchase additional coverage, as it helps protect against personal losses if you are at-fault for an accident.
Collision Insurance
Collision insurance helps pay for the damages to your own bike when you are at-fault for an accident. You pay a deductible for each claim, but your insurance picks up the rest of the repair bill. If your motorcycle is totaled, your collision insurance reimburses you for your loss.
Comprehensive Insurance
Your collision coverage will not go very far if your bike is stolen or it is crushed by a fallen tree. With comprehensive protection on your motorcycle insurance policy, you can trust that your ride will be as good as new when it is damaged by a covered event.
Custom Parts and Accessories Protection
Many riders add a wide range of custom parts and accessories to personalize their bikes. If your motorcycle contains special equipment or expensive modifications, make sure they are covered by your insurance policy.
Medical Payments Coverage
When you or your passengers are injured in an accident, medical payments insurance provides coverage for your medical bills separate from your health insurance.
Roadside Assistance
If you find yourself stranded, your roadside assistance can help get you moving again. Whether you run out of gas or experience a mechanical failure, we offer coverage for assistance 24-hours a day.
Do You Qualify for Motorcycle Insurance Discounts?
Motorcycle insurance does not have to be expensive. Many of the insurers in Missouri offer discounts to qualified drivers who meet certain requirements. You might be eligible for discounts on your premiums if you:
- Have a clean driving record
- Ride only for recreational purposes
- Take a qualified motorcycle safety course
- Bundle your motorcycle insurance with other forms of coverage, such as home and auto
In addition, we can help save you money by shopping and comparing rates on your behalf. As an independent agency, Tagge Insurance works for the customer – not the carrier. We look for the most competitive rates on the coverage you need. When you choose Tagge Insurance, you become a member of our family, plain and simple.
For more information about motorcycle insurance in Springfield, contact our office to request your free quote. We look forward to serving you soon.
