Liability Coverage

Liability Coverage protects you from damage you do to others or to property in an accident. Some level of liability auto insurance coverage is required in all 50 states.

Medical Payments Coverage can help pay medical expenses no matter who’s at fault. It covers you, your passengers, and any family members driving or riding in the insured vehicle at the time of the accident.

Underinsured / Uninsured Motorist Coverage helps protect you from drivers with little or no insurance. It also can help cover injuries to you or your passenger as well as repairs and expenses to your damaged car.

Vehicle Protection – Collision and Comprehensive

Collision Coverage helps pay for vehicle repairs if you’re involved in a covered loss. (That’s insurance-speak for an accident that’s specifically covered by your policy.)

Comprehensive Coverage helps pay for damages on covered costs that aren’t caused by a collision. What if your car is damaged by a storm or vandalism? That would generally be covered under the “comprehensive” portion of your policy – even though it is not caused by collision.

Additional Car Insurance Coverage Options

Don’t get stranded! Towing and Labor Costs Coverage can help reimburse you for towing and other basic roadside-assistance expenses.

How will you get around after an accident? Rental Reimbursement Coverage reimburses you for the cost of renting a car while yours is in the shop.

If you’ve put a high-end sound system in your car, consider Sound System Coverage, which can help protect your investment if it’s stolen or damaged.

You can also contact a Summit Hill Insurance agent online from our Contact Us Page or call 816-554-7655 for a quote over the phone.

Personal Discounts

  • Safe Drivers
    Safe drivers cost everybody less. And at Summit Hill Insurance, they pay a lot less. Safe drivers can save 45% or more on their car insurance.
  • Early Signing
    You don’t have to wait until your policy expires to switch auto insurance companies. Switch today and get up to another 10% discount on auto insurance. We can even do the switching for you.
  • Good Student
    Single full-time students under 25 can save up to 20% just by getting good grades.

Vehicle Equipment Discounts

  • Passive Restraint
    You can save up to 30% if your car came from the factory with airbags and motorized seatbelts.
  • Anti-Lock Brakes
    If your car’s equipped with anti-lock brakes, you get a 10% discount.
  • Anti-Theft Devices
    If your car’s equipped with an anti-theft device, you can save up to 10% on your premium.

Motorcycle Insurance

Accidents happen whether you’ve been riding for 30 years or 30 miles.

Motorcycle Insurance: What’s Really Required?

Two coverages required by law—Property Damage Liability and Bodily Injury Liability—are automatically part of any motorcycle policy you buy.

Property Damage Liability Coverage helps protect you from paying for the repair or replacement of another motorist’s vehicle or property, including vehicles, homes, or other structures.

Bodily Injury Liability Coverage helps protect you from paying medical costs, loss of income, and funeral expenses of other people involved in an accident. Two important notes:

  • In some states, bodily injury to a passenger is covered separately under
    Passenger Liability coverage.
  • In other states, you can pay an additional premium so that Bodily Injury Liability Coverage applies to passengers.

Boat Insurance

Boat Insurance That Protects You from “the Other Guy”

Half of all boating accidents result in injuries. And even if you’ve been boating for decades, what about the other guy? He might be a little unsteady on the water, and even worse: he may not have insurance. Our features and options cover you, your family, your gear, and your boat from the unpredictable.

Boat Insurance That Protects Your Boat from Bow to Stern

Forty percent of boaters are uninsured. That’s why Summit Hill Insurance offers features and options that protect your craft from bow to stern. We also protect your gear and accessories, including anchors, skis, fishing gear, and more. Our coverage extends up to 100 miles off the coast, and protects your friends and family, too.

Off-Road & ATV Insurance

We can be with you for every jump, dip and turn. Whether you’re riding on back trails in the woods or the back nine, Summit Hill has the policy to help protect your vehicle. Our Off-Road Vehicle insurance has the coverage options to help meet your needs.

To learn more about coverages and discounts for your off-road or ATV, talk to one of our agents today.

Motorhome Insurance

The freedom of the open road with all the conveniences of home… Sounds too good to be true? Not to you, you’re a motorhome owner.

As a motorhome owner consider protecting your motorhome, yourself and your traveling companions with insurance from Summit Hill. Select the coverage that’s right for you and personalize it with special optional coverages.


    Multiple Policies

    Save an extra 10% on your auto insurance just by insuring your home or apartment with us, too.

    Please note that insurance coverage cannot be bound, placed or changed through voice mail, e-mail, fax or online via this website and must be confirmed directly with a licensed agent of Summit Hill Insurance for any coverage to be effective or altered.

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    1550 SW Market St., #120.
    Lees Summit, MO 64081

    tel: (816) 554-7655
    fax: (816) 554-0122

    Business Hours

    Monday through Thursday
    9:00 a.m. to 5:00 p.m.
    Fridays 9:00 a.m. to 4:00 p.m.