Motorcycle Insurance Quotes Washington State
As a motorcycle owner, it’s essential to understand the importance of having the right insurance coverage. Motorcycle insurance provides financial protection in case of accidents, injuries, property damage, and other unexpected events. By carefully selecting the appropriate coverages, you can ride with peace of mind, knowing you’re in compliance with state laws and prepared for potential risks on the road.
What Factors Affect Motorcycle Insurance Costs?
Monthly premiums for motorcycle insurance are influenced by various factors, similar to auto insurance. Your riding history, age, and ZIP code can all impact your rates. Insurance carriers may weigh these factors differently, so it’s wise to compare quotes from multiple providers to find the best balance of coverage and affordability. Many insurers also offer discounts for completing motorcycle safety courses, so be sure to explore these opportunities to save money on your policy.
What Optional Coverages Should You Consider for Your Motorcycle Insurance Policy?
Beyond the state-mandated liability insurance, there are several optional coverages worth considering based on your individual needs and riding habits:
Coverage | Description |
---|---|
Underinsured Motorist Bodily Injury | Provides additional protection for your and your passenger’s injuries if an at-fault driver’s insurance is insufficient. |
Uninsured Motorist Bodily Injury | Similar to UIMBI, but applies when the at-fault driver is uninsured. |
Uninsured Motorist Property Damage | Offers extra protection for your motorcycle’s damages caused by an uninsured driver. |
Medical Payments | Helps pay for you and your passenger’s medical bills resulting from an accident. |
Collision | Covers damage to your motorcycle from collisions with other vehicles or objects, regardless of fault. |
Comprehensive | Protects against non-collision related damages, such as fire, theft, or vandalism. |
Optional/Special Equipment | Covers permanently installed non-factory-standard equipment based on the value it adds to your motorcycle. |
Rental Reimbursement | Helps cover the cost of a rental vehicle while your motorcycle is being repaired after a covered accident. |
Replacement Cost | If your motorcycle is less than four years old and deemed a total loss, this coverage helps pay for a new bike. |
Roadside Assistance | Provides 24/7 towing and roadside service for issues like empty gas tanks, dead batteries, lost keys, flat tires, and low fluids. |
What is “Full Coverage” Motorcycle Insurance?
The term “full coverage” is often used in the context of motorcycle insurance, but it lacks a standardized definition. Instead of settling for a potentially inadequate “full coverage” policy, work with an insurance provider who can tailor a policy with clearly defined coverages that align with your specific needs and budget. This way, you can avoid unexpected financial liabilities and ensure you have the protection you need.
How Do You Choose the Best Motorcycle Insurance Coverage?
Ultimately, the best motorcycle insurance coverage is one that provides adequate protection at an affordable price, based on your unique circumstances. Consider factors such as your motorcycle’s value, your riding habits, and your financial situation when deciding on coverages.
Don’t hesitate to seek guidance from knowledgeable insurance professionals who can help you identify the most suitable coverages and discounts for your needs.
Mid-Columbia Insurance
– Your Trusted Insurance Agent
We are your trusted partner for finding the best motorcycle insurance rates in Washington state. With a commitment to providing affordable coverage and exceptional customer service, Mid-Columbia Insurance works with top-rated insurance companies like Progressive, Dairyland, Safeco, and Foremost to offer competitive rates and policies to meet your unique needs.
Call (509)783-5600 and speak to one of our independent insurance agent professionals today, or click “Get a Quote” to request an insurance quote.
The insurance you want — At a price you can afford.
Everything you need to know to get the best price on your motorcycle insurance:
- Is Motorcycle Insurance Required in Washington State?
- How Much Does Motorcycle Insurance Cost?
- Who Has The Best Motorcycle Insurance Quotes?
- What Motorcycle Insurance Should I Get?
- Motorcycle Insurance for New Riders
- Can You Insure My _____ Bike? Yes!
- What is Broad Form Motorcycle Insurance?
- Is SR22 Motorcycle Insurance Available?
Is Motorcycle Insurance Required in Washington State?
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 property damage liability per accident
What Motorcycle Insurance Should I Get?
- Motorcycle Liability insurance is the only coverage that Washington state requires you to carry (effective July 2019). Liability coverage protects you if you’re found at fault for an accident where another person is injured or their property is damaged. It does not cover injuries to you or damage to your cycle.
- Motorcycle Uninsured/UnderInsured Motorist (UM/UIM) is, arguably, the most important insurance coverage and is listed second only because you cannot purchase it without purchasing liability. In their October 2017 report, the Insurance Research Council reported that 17.4% of Washington drivers are uninsured. UM/UIM pays for damages to you and/or your property caused by another driver who either doesn’t have insurance (uninsured) or doesn’t have adequate insurance (underinsured). UM/UIM coverage typically pays for you and your passenger’s medical treatment, lost wages, and property damage. With uninsured motorist, your insurance company covers you and any passengers as if they are the uninsured driver’s insurance company.
- Motorcycle Medical Payments (MedPay) coverage is optional in Washington. It pays for any necessary medical treatment for you and any passengers up to the coverage limit you chose to purchase. This can be important if you don’t have health insurance to cover your medical expenses or you have a high-deductible health plan.
Can You Insure My ______ Bike?
- Moped, scooter, dirt bike, and enduro
- Custom, vintage, classic, collector, and antique
- Cruiser, touring, sport-touring, trike, and even an autocycle
- ATV or UTV with 3 wheels, 4 wheels, or even 8
- What did we forget?
What is Broad Form Motorcycle Insurance?
Is SR22 Motorcycle Insurance Available?
How Much Does Motorcycle Insurance Cost?
- Your Age: Statistics inform the insurance provider that if you are under 25 you are more likely to be involved in a wreck than if you happen to be 30+.
- Your Driving History: If you have accumulated speeding tickets or have already had a crash in the last few years, then your chances of having another crash are statistically higher than someone without tickets or accidents.
- Your Bike: Particular motorbikes appear to entice careless cyclists.
- Your Garaging Address: Crowded, urban areas also raise your odds of being in an accident.
- Your Coverages: Of course, if you add more coverages your rate is going to be more. However, just like when you buy the bigger package at the food store, you likewise wind up paying less per $1,000 of insurance coverage when you buy more. Doubling your liability insurance coverage from $25,000 per person to $50,000 per person will probably only raise your rate 20%, not double the price.
- Your Discounts: Every company offers a different combination of discounts, the discounts that line up with your situation will probably end up being your best choice. Discounts available include: Multiple motorcycle, Multiple policy, Claim-free, Safety course, Paid-in-full discount, Motorcycle association membership, and more.
Who Has The Best Motorcycle Insurance Quotes?
Motorcycle Insurance for New Motorcyclists
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