Bellingham Motorcycle Insurance – Affordable Quotes
Insure Your Trike, Scooter, RZRs, & Snowmachine

Immediate Evidence of Motorbike Insurance for You!

Are you searching for the cheapest cycle insurance coverage in Bellingham? You have actually found the ideal agency. We have longstanding relationships with outstanding cycle insurance carriers 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 perhaps a moped or scooter, your bike is synonymous with freedom which brings enjoyment. However with this adventure comes uncertainty and considering that you never ever can forsee what lies over the next hill, the right protection can ensure you’re ready for it.

The cycle coverage you want at a rate you can manage

Do you simply need the general motorcycle insurance coverage to get legal? We can assist!
Are you passionate about your bike? We can cover your motorcycle, your accessories, plus your riding gear.

Selecting the best protection is like selecting the best bike. You want it to fit your needs and your way of life but likewise to be within your budget. The state requires you have a minimal level of liability coverage yet higher levels are available and other coverages are recommended. Make sure you discuss all the offered alternatives with a professional insurance agent at our office.

Listed below is everything you must understand to get the very best rate on your bike insurance:

Terrible Motorbike Crashes - VIDEO

Is Cycle Insurance Required in Washington State?

Motorbike insurance is required in Washington state since July 2019. The Washington state legislature passed and the Governor signed an amendment removing the wording in the insurance law excusing motorbikes from being forced to carry insurance.

If you trigger a crash and don’t have insurance, you might put you and your family in financial risk for the damage caused to others. Also, whether the crash is your fault or not, medical costs and lost income for you and any occupants of your car could drive you to bankruptcy.

Mandated or not, you would want to have cycle insurance so you can secure yourself from a liability lawsuit or a careless motorist who hits you.

cycle, moped, scooter, trike, and ATV insurance in Bellingham

What Cycle Insurance Should I Get?

There are 3 insurance coverages every cycle insurance plan needs to have: liability, uninsured motorist}, and medical.

  • Liability insurance is the only protection that Washington state requires you to carry (effective July 2019). Liability secures you if you are found at fault for an accident where another individual is injured or their property is damaged.
  • Uninsured Motorist is, probably, the most essential insurance protection and is listed second only due to the fact that you can not buy it without buying liability. With uninsured motorist, your insurance provider covers you and any others in your car as if they are the uninsured driver’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 needed medical treatment for you and any others in your car up to the coverage amount you choose. This can be important if you do not have medical insurance to cover your medical costs 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 often required by loan providers if you secure a loan to purchase your bike. So yes, this protection is really important to the bank but the 3 protections above are much more most likely to keep you from insolvency 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 might be hospitalized for months. Riding safe means using the best protective equipment. If you take your safety and the financial security of your family seriously, then insurance must be seen as protective gear.

motorcycle, scooter, moped, trike, and ATV insurance in Bellingham

Can You Insure My Scooter?

Yes! If your cycle is designed for either off-road or street use, we can cover 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 BroadForm Cycle Insurance?

a Broad Form Cycle Insurance Policy is meant to give the policy owner liability insurance coverage no matter what cycle they may ride.

Comprehensive and also collision insurance coverages (also known as “full coverage”) that would pay to fix the bike in case of a crash, theft, or vandalism can not be added to a motorcycle broadform plan yet Uninsured Motorist as well as Medical can be included.

If you respond Yes to these three statements, then Broad Form Cycle Insurance coverage might simply be a good fit for you.
1. You have or ride several bikes.
2. You are the just one who at any time rides your bikes.
3. You do not require “full coverage” on any one of your bikes.

cycle, trike, moped, scooter, and 4-wheeler insurance in Bellingham

Just How Much Does Motorcycle Insurance Coverage Cost?

Motorbike insurance coverage can cost you less than $200 yearly or be greater than $2000 annually depending upon six significant variables: your age, your driving record, your cycle, your hometown, your chosen coverages, and the discounts you qualify for.

  • Your Age: Statistics inform the insurance provider that if you are under 25 you are more likely to have an accident than if you happen to be 30+.
  • Your Driving Record: If you have accumulated speeding tickets or have already had a wreck in the last couple years, then your chances of having another accident are greater.
  • Your Bike: Some motorcycles appear to entice negligent riders.
  • Your Home Address: Crowded, urban areas also boost your chances of being involved in a wreck.
  • Your Coverages: Naturally, if you purchase extra coverages your rate will be higher but much like when you buy the larger package at the food store, you likewise end up paying less per $1,000 of insurance coverage. Doubling your liability insurance coverage from $25,000 per person to $50,000 per person will not double the cost however possibly raise it less than 20%.
  • Your Discounts: Every insurer gives various combinations of discounts. The more that match up with your circumstances, the more likely you will end up paying less. Some discounts available include: Multiple motorcycle, Multiple policy, Claim-free, Safety training course, Paid-in-full, Motorcycle association membership, and others.
motorbike, scooter, moped, trike, and ATV insurance in Bellingham

Who Has The Very Best Cycle Insurance Prices?

Cycle insurance coverage is not “One Size Fits All”. The very best motorcycle insurer for you will offer a policy that lines up with your particular requirements. One call to us will get you all the quotes you need. As an independent agent, we quote you with numerous motorbike insurance providers to find the very best match for you. Whether that’s protection for a custom cycle or simply 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 different specialties providing you alternatives when you are hunting.

A few of our insurers even provide an automobile & cycle insurance bundle discount, saving money on both policies. This is a fantastic method to save cash on your cycle insurance policy.

cycle, trike, moped, scooter, and ATV insurance in Bellingham

Motorcycle Insurance Coverage for New Riders

Purchasing your very first motorcycle is a dream come true. Whether you are trying to find motorcycle insurance coverage as a 18 year old or have actually at last saved up enough to purchase your first cycle or ATV/UTV, we can get you cheap cycle insurance.

As a brand-new rider, you have less experience so insurers figure you are most likely to be in an accident and because of this will need you to pay more. Keep your record spotless and don’t get in wrecks and you ought to see your rate drop as you acquire experience.

motorbike, moped, scooter, trike, and ATV 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 Fairhaven, Whatcom, Sehome and Bellingham: four historic towns that settled beside Bellingham Bay. The bay, where the present-day city and the former town of the same name derive their names from, was named Bellingham Bay by George Vancouver upon arriving to it in June 1792. Its namesake, Sir William Bellingham, was 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

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