(509) 783-5600 [email protected]

Bellingham Motorbike Insurance – Low Rates Insure Your Cycle, Scooter, Side x Sides, & Snowmobile

Instant Proof of Cycle Insurance!

Are you looking for the cheapest motorbike insurance coverage in Bellingham? You have actually come to the right agency. We have cultivated longstanding partnerships with top-rated motorcycle insurance providers in order that we can find you the best rate. Whether your ride is a street bike, a touring bike, a cruiser, a custom chopper, or even a moped or scooter, your cycle is associated with liberty which brings enjoyment. But with this adventure comes uncertainty and considering that you never ever know what lies over the next hill, the best protection can ensure you’re prepared for it.

The motorbike protection you desire at a cost you can manage

Do you simply need the basic cycle insurance coverage to be legal? We can help! Are you passionate about your motorbike? We can cover your bike, your accessories, and even your riding gear. Picking the ideal coverage is like picking the ideal bike. You want it to fit your needs and your way of life however also to be within your budget. The state mandates you have a minimal amount of liability coverage yet greater limits are available and extra protections are advised. Make sure you go over all the offered alternatives with a professional agent at Mid-Columbia Insurance.

Below is everything you need to know to get the very best rate on your motorcycle insurance coverage:

Bad Cycle Crashes - VIDEO

Is Motorcycle Insurance Coverage Mandated in Washington State?

Cycle insurance is needed in Washington state as of July 2019. The Washington state legislature passed and the Governor signed a change removing the phrasing in the insurance coverage law excusing cycles from being required to have insurance.
If you trigger a crash and do not have insurance, you might put you and your loved ones in monetary danger for the damage done to others. the accident is your fault or not, medical costs and lost income for you and any occupants of your car might drive you to insolvency. Required or not, you want to have motorbike insurance coverage so you can secure yourself from a liability lawsuit or a reckless driver who hits you.
cycle, moped, scooter, trike, and ATV insurance in Bellingham

What Motorbike Insurance Coverage Should I Get?

There are three coverages every motorbike insurance policy needs to have: liability, uninsured motorist}, and medical.
  • Liability insurance coverage is the only coverage that Washington state requires you to have (since July 2019). Liability coverage protects you if you are found at fault for an accident where another individual is hurt or their property is damaged.
  • Uninsured Motorist is, perhaps, the most important insurance protection and is listed second only due to the fact that you can not get it without first getting liability. With uninsured motorist, your insurer covers you and any others in your car as if they were the uninsured motorist’s insurance provider.In their October 2017 report, the Insurance Research Council reported that 17.4% of Washington drivers are uninsured.
  • Medical protection is an optional coverage and pays for any necessary medical treatment for you and any passengers up to the coverage amount you choose. This can be crucial if you do not have medical insurance to cover your medical expenses or you have a high-deductible health insurance.
You may be surprised that comprehensive & collision (aka full coverage) are not on this list. These protections are typically mandated by lending institutions if you get a loan to buy your motorbike. Yes, this coverage is very essential to the bank however the 3 protections above are a lot more most likely to keep you from personal bankruptcy in case of a crash. Let’s face it. All motorcyclists are at the mercy of other drivers. This is not a computer game where you can reset the game and start over. If you get hit, you may be hospitalized for months. Riding safe entails using the best protective gear. If you take your safety and the financial security of your family seriously, then insurance should be viewed as protective equipment.
cycle, trike, scooter, moped, and 4-wheeler insurance in Bellingham

Can I Insure My Sport Touring Bike?

Yes! If your bike is designed for either off-road or street use, we can insure it! We can insure your:
  • Moped, scooter, dirt bike, and enduro
  • Custom, vintage, classic, collector, and antique
  • Cruiser, touring, sport touring, and trike, and even an autocycle
  • ATV or UTV with 3 wheels, 4 wheels, or even 8
  • What did we forget?
motorcycle, trike, scooter, moped, and 4-wheeler insurance in Bellingham

What is a BroadForm Motorbike Insurance Policy?

a Broad Form Motorcycle Insurance Policy is designed to supply the policy owner liability insurance coverage no matter what cycle they may ride. Comprehensive and collision protections (also known as “full coverage”) that would pay to fix the bike in the event of a crash, theft, or vandalism cannot be added to a motorcycle broadform policy however Uninsured Motorist as well as Medical can be added. If you respond Yes to these 3 sentences, then Broad Form Motorcycle Insurance policy might be a good fit for you. 1. You own or ride multiple motorbikes. 2. You are the only one who ever rides your motorbikes. 3. You don’t require “full coverage” on any of your cycles.
cycle, scooter, moped, trike, and ATV insurance in Bellingham

How Much Does Motorbike Insurance Cost?

A Cycle insurance policy can cost you less than $200 per year or be more than $2000 per year depending on 6 significant variables: your age, your driving record, your motorcycle, your zip code, your chosen coverages, and also the discounts for which you qualify.
  • Your Age: Stats tell the insurer that if you are under 25 you are more likely to have a crash than if you are 30+.
  • Your Driving History: If you have collected speeding tickets or have been involved in a wreck in the last couple years, then your chances of having another crash are greater.
  • Your Motorcycle: Particular motorcycles seem to entice careless riders.
  • Your Garaging Address: Congested, metropolitan areas also increase your chances of being involved in a wreck.
  • Your Insurance Coverages: Clearly, if you choose added coverages your price is going to be higher however similar to when you purchase the larger package at the food store, you likewise end up paying less per $1,000 of insurance. Increasing your liability coverage from $25,000 per person to $50,000 per person will not double the price however most likely increase it less than 20%.
  • Your Discounts: Every insurer gives various combinations of discounts. The more that match up with your situation, the more likely you will end up paying less. Some discounts available include: Multiple cycle, Multiple policy, Claim-free, Safety training course, Paid-in-full, Cycle organization membership, and more.
motorbike, trike, moped, scooter, and ATV insurance in Bellingham

Who Has The Best Motorcycle Insurance Quotes?

Motorbike insurance coverage is not “One Size Fits All”. The best motorbike insurer for you will feature a policy that aligns with your particular needs. One call to us will get you all the quotes you require. As an independent agent, we quote you with multiple motorcycle insurance providers to find the best match for you. Whether that’s coverage for a custom cycle or just the minimum Washington state requirements so you are legal. If you call one of the ‘name brand’ providers such as State Farm, Allstate, Farmers, Geico, or Markel, you just get one quote from their brand. Each company we represent, Progressive, Safeco, Dairyland, and Foremost, has various specialties giving you options when you are shopping. A few of our motorcycle insurance companies even provide an auto & cycle insurance bundle discount, marking down both policies. This is an excellent way to save cash on your motorcycle insurance policy.
motorbike, scooter, trike, moped, and ATV insurance in Bellingham

Motorcycle Insurance for New Riders

Buying your first motorcycle is a dream come true. Whether you are trying to find motorbike insurance coverage as a 18 year old or have finally saved up enough to purchase your very first cycle or ATV/UTV, we can get you cheap motorcycle insurance coverage. As a brand-new rider, you have less experience so insurance companies figure you are most likely to be involved in a crash and therefore will make you pay more. Keep your record clear and don’t get in any accidents and you should see your rate drop as you acquire experience.
motorcycle, scooter, moped, trike, and 4-wheeler insurance in Bellingham

About Bellingham

Bellingham ( BEL-ing-ham) is the county seat and most populous city of Whatcom County in the U.S. state of Washington. Located 52 miles (84 km) southeast of Vancouver, British Columbia, 90 miles (140 km) north of Seattle, and 21 miles (34 km) south of the U.S.–Canada border, Bellingham is in between two major metropolitan areas, Seattle and Vancouver, British Columbia. The city had a population of 80,885 as of the 2010 census and is estimated to have 92,314 in 2019.

The city of Bellingham was incorporated in 1903 through the consolidation of Whatcom and Fairhaven. Rather than either city usurping the other, they chose the neutral name of the bay whose shore they shared. Bellingham Bay was named by George Vancouver in 1792, for Sir William Bellingham, the Controller of Storekeeper Accounts of the Royal Navy during the Vancouver Expedition.

Today, Bellingham is the northernmost city with a population of more than 50,000 people in the contiguous United States. The city is a popular tourist destination known for its easy access to outdoor recreation in the San Juan Islands and North Cascades. Bellingham is undergoing redevelopment on more than 100 acres (40 ha) of former industrial land in its Waterfront District with a hotel, conference center, condos, retirement living, retail and commercial development planned for the site.

Source: Bellingham, Washington in Wikipedia

Pulled over one too many times?

We Work For You – The coverage you want at a price you can afford

Top Cycle Repair & Gear Near Bellingham

Champion Cycle
1 review
Motorcycle Dealers
+13607341320
615 W Holly St, Bellingham, WA 98225
Cycle Therapy
8 reviews
Motorcycle Dealers
+13606476960
1414 Kentucky St, Bellingham, WA 98229
Pacific NW Motorcycles
12 reviews
Motorcycle Repair, Motorcycle Dealers
+13603981601
5100 Pacific Hwy, Ste 101, Ferndale, WA 98248
Northwest European Autoworks
7 reviews
Auto Repair, Motorcycle Repair, Bike Rentals
+13607153876
2101 Queen St, Bellingham, WA 98229

Best Things to Do Near Bellingham

Mallard Ice Cream
439 reviews
Ice Cream & Frozen Yogurt
1323 Railroad Ave, Bellingham, WA 98225
HomeSkillet
724 reviews
Breakfast & Brunch, American (Traditional)
521 Kentucky St, Bellingham, WA 98225
The Birch Door Cafe
511 reviews
Breakfast & Brunch
4192 Meridian St, Bellingham, WA 98226
Pel’ Meni – Russian Dumplings
458 reviews
Russian
1211 N State St, Bellingham, WA 98225