As a motorcycle enthusiast in Washington state, you understand the thrill of the open road and the freedom that comes with riding. However, with that freedom comes the responsibility of ensuring you have the right insurance coverage to protect yourself, your bike, and others on the road. That’s where Foremost Motorcycle Insurance comes in, offering comprehensive coverage options tailored specifically to the needs of Washington riders.
Why Choose Foremost Motorcycle Insurance?
Foremost Insurance Group, a subsidiary of the renowned Farmers Insurance Group®, has been providing specialized insurance products for over 60 years. When you choose Foremost Motorcycle Insurance, you’re not just getting a policy; you’re gaining access to decades of expertise and a commitment to serving the unique needs of motorcyclists.
Foremost understands that your motorcycle is more than just a vehicle; it’s a passion. That’s why they offer coverage options that go beyond the basics, ensuring that you have the protection you need for your specific riding style and motorcycle type.
Coverage Options for Every Rider
One of the standpoints of Foremost Motorcycle Insurance is the wide range of coverage options available to Washington riders. Whether you’re cruising on a touring bike, pushing the limits on a sport bike, or enjoying the stability of a trike, Foremost has you covered.
| Coverage Type | Description |
|---|---|
| Liability Coverage | Protects you financially if you’re found at fault for an accident that causes injuries or property damage to others. |
| Collision Coverage | Covers damage to your motorcycle resulting from a collision with another vehicle or object, regardless of fault. |
| Comprehensive Coverage | Provides protection for non-collision related incidents, such as theft, vandalism, or weather-related damage. |
| Medical Payments Coverage | Helps pay for medical expenses for you and your passengers in the event of an accident, regardless of fault. |
| Uninsured/Underinsured Motorist Coverage | Protects you if you’re involved in an accident with a driver who lacks sufficient insurance coverage. |
| Roadside Assistance Coverage | Offers emergency services like towing, fuel delivery, and battery jumpstarts if your motorcycle breaks down. |
| Accessory Coverage | Covers damage to or theft of motorcycle accessories, such as helmets, riding gear, and custom parts. |
| Lay-Up Coverage | Allows you to suspend coverage during the off-season months when your motorcycle is in storage, with reduced premiums. |
| Vintage Motorcycle Coverage | Specialized coverage for classic or antique motorcycles, taking into account their unique value and restoration. |
Discounts for Responsible Riders
Foremost Motorcycle Insurance believes in rewarding responsible riders who prioritize safety and take steps to reduce their risk on the road. That’s why they offer a variety of discounts to help you save on your premiums:
- Safe Driver Discount: Earn a discount for maintaining a clean driving record free of accidents and violations.
- Loyalty Discount: Save money by staying with Foremost for an extended period.
- Affinity Group Discount: Enjoy reduced rates if you’re a member of a qualifying motorcycle organization or club.
- Multi-Policy Discount: Bundle your motorcycle insurance with other Foremost or Farmers® policies for additional savings.
- Motorcycle Safety Course Discount: Complete an approved motorcycle safety course and receive a discount on your premiums.
- Homeownership Discount: Save on your motorcycle insurance if you own a home, even if it’s not insured through Foremost.
24/7 Claims Support and Roadside Assistance
Accidents can happen at any time, which is why Foremost Motorcycle Insurance provides 24/7 claims support. Whether you need to report a claim or have questions about the claims process, Foremost’s dedicated team of motorcycle claims specialists is ready to assist you.
In addition to claims support, Foremost offers roadside assistance coverage to give you peace of mind on the road. If your motorcycle breaks down or you find yourself in need of assistance, help is just a phone call away. Foremost’s roadside assistance includes:
- Towing services
- Fuel delivery
- Battery jumpstarts
- Lockout services
- Flat tire changes
Motorcycle Repair Network
When your motorcycle needs repairs after a covered incident, you want to ensure that it’s in the hands of trusted professionals who understand the intricacies of your bike. Foremost Motorcycle Insurance has established a network of motorcycle repair shops across Washington state that meet their high standards for quality and service.
By choosing a repair shop within the Foremost network, you can feel confident that your motorcycle will be repaired by experienced technicians using original equipment manufacturer (OEM) parts whenever possible. This helps ensure that your bike is restored to its pre-accident condition and maintains its value over time.
Coverage for Your Unique Ride
Foremost Motorcycle Insurance understands that every motorcycle and rider is unique, which is why they offer coverage options for a wide variety of motorcycle types:
| Motorcycle Type | Description |
|---|---|
| Sport Bikes | High-performance motorcycles designed for speed and agility. |
| Cruisers | Relaxed riding style motorcycles with a focus on comfort and style. |
| Touring Bikes | Motorcycles designed for long-distance rides, often equipped with luggage and comfort features. |
| Scooters | Smaller, lightweight motorcycles ideal for urban commuting and short trips. |
| Trikes | Three-wheeled motorcycles that offer increased stability and carrying capacity. |
| Custom Motorcycles | One-of-a-kind motorcycles built to the owner’s specifications and preferences. |
| Vintage Motorcycles | Classic or antique motorcycles that are often collector’s items and require specialized coverage. |
Rider Profiles and Risk Assessment
When determining your Foremost Motorcycle Insurance premiums and coverage options, several factors related to your rider profile are taken into account:
- Age: Younger riders may be considered higher risk due to lack of experience, while older riders often qualify for discounts.
- Riding Experience: The number of years you’ve been riding motorcycles and your level of expertise can impact your rates.
- Riding Habits: How often you ride, the distances you cover, and the type of riding you do (e.g., commuting, leisure, touring) can affect your premiums.
- Claim History: A history of accidents or claims can result in higher premiums, while a clean record may qualify you for discounts.
- Credit Score: In some cases, your credit score may be used as a factor in determining your insurance rates, as studies have shown a correlation between credit scores and risk.
By considering these factors, Foremost Motorcycle Insurance can provide you with a tailored coverage plan that meets your specific needs and budget.
Protect Your Passion with Foremost Motorcycle Insurance
As a Washington motorcycle rider, you need an insurance provider that understands your passion and is committed to protecting it. Foremost Motorcycle Insurance offers the comprehensive coverage, specialized options, and exceptional service you need to enjoy the open road with confidence.
Don’t let an unexpected event put a damper on your riding experience. Trust Foremost Insurance Group to safeguard your motorcycle, your finances, and your peace of mind, so you can focus on what matters most: the freedom and exhilaration of the ride.
Mid-Columbia Insurance
– Your Trusted Insurance Agent
Click “Get a Quote” to request an insurance quote from Foremost Motorcycle Insurance or call (509)783-5600 and speak to one of our independent insurance agent professionals today about how they can help you protect your passion and secure your future on the open road.
The insurance you want — At a price you can afford.