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Fife Motorcycle Insurance – Cheapest Rates Insurance for Your Cycle, Moped, RZRs, & Snowmachine

Instant Proof of Cycle Insurance Coverage for You!

Are you searching for the most inexpensive motorcycle insurance coverage in Fife? You have found the right place. We have established longstanding partnerships with top-rated cycle insurance carriers in order that we can find you the best rate. Whether your cycle is a street bike, a touring bike, a cruiser, a customized chopper, or perhaps a moped or scooter, your bike is associated with liberty which brings excitement. But with this adventure comes uncertainty and because you never can forsee what is around the next corner, the best protection can ensure you’re prepared for it.

The cycle protection you want at a rate you can manage

Do you just need the inexpensive motorcycle insurance coverage to be legal? We can assist! Are you enthusiastic about your motorbike? We can cover your bike, your accessories, and even your riding gear. Choosing the ideal protection is similar to selecting the right bike. You want it to fit your needs and your way of life however likewise to be within your budget. The state requires you have a minimal level of liability protection but greater limits are available and other protections are advised. Ensure you discuss all your offered alternatives with a licensed agent at our office.

Below is all you need to know to get the best price on your motorcycle insurance coverage:

Terrible Cycle Wrecks - VIDEO

Is Cycle Insurance Coverage Required in Washington State?

Cycle insurance coverage is needed in Washington state as of July 2019. The Washington state legislature passed and the Governor signed an amendment removing the phrasing in the insurance coverage law excusing motorcycle owners from being required to have insurance.
If you cause a crash and do not have insurance coverage, you could put you and your family in monetary risk for the damage done to others. the crash is your fault or not, medical costs and lost wages for you and any occupants of your car might drive you to bankruptcy. Mandated or not, you want to have motorcycle insurance so you can secure yourself from a liability lawsuit or a reckless driver who crashes into you.
cycle, moped, trike, scooter, and ATV insurance in Fife

What Motorbike Insurance Should I Get?

There are three insurance coverages every bike insurance plan needs to have: liability, uninsured motorist}, and medical.
  • Liability insurance is the only protection that Washington state requires you to carry (since July 2019). Liability coverage secures you if you are found at fault for an accident where another person is injured or their property is harmed.
  • Uninsured Motorist is, probably, the most important insurance coverage and is listed second simply because you can not get it without purchasing liability. With uninsured motorist, your insurance provider covers you and any others in your car as if they were the uninsured motorist’s insurer.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 select. This can be important if you don’t have medical insurance to cover your medical costs or you have a high-deductible health insurance.
You might be surprised that comprehensive & collision (aka full coverage) are not on this list. These protections are frequently required by loan providers if you secure a loan to buy your motorcycle. So yes, this protection is really important to the bank but the 3 protections above are far more likely to keep you from insolvency in case of an accident. 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 struck, you may be hospitalized for months. Riding safe means wearing the right protective gear. If you take your safety and the financial safety of your family seriously, then insurance coverage should be seen as protective equipment.
cycle, trike, moped, scooter, and 4-wheeler insurance in Fife

Can I Insure My Sport Touring Motorbike?

Yes! If your cycle is designed for either off-road or street use, we can get you insured! 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?
motorbike, scooter, moped, trike, and ATV insurance in Fife

What is a BroadForm Motorcycle Insurance Policy?

Broad Form Cycle Insurance is designed to give the policy owner liability insurance coverage no matter what cycle they might ride. Comprehensive and collision coverages (also known as “full coverage”) that would pay to fix the bike in the event of a collision, theft, or vandalism can not be included in a cycle broadform plan yet Uninsured Motorist as well as Medical can be included. If you answer Yes to these three sentences, then Broad Form Motorcycle Insurance coverage may simply be right for you. 1. You own or ride a couple cycles. 2. You are the only one who at any time rides your motorcycles. 3. You don’t require “full coverage” on any of your motorcycles.
cycle, moped, scooter, trike, and ATV insurance in Fife

How Much Does Motorcycle Insurance Cost?

A Motorcycle insurance policy can cost you less than $200 per year or be more than $2000 per year depending upon 6 significant factors: your age, your driving history, your motorbike, your home town, your chosen coverages, and the discounts you qualify for.
  • Your Age: Stats inform the insurance company 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 Record: If you have received speeding tickets or have already had a crash in the last few years, then your odds of having another wreck are higher.
  • Your Motorbike: Some motorcycles seem to attract careless riders.
  • Your Garaging Address: Clogged, urban areas also boost your chances of being involved in an accident.
  • Your Insurance Coverages: Naturally, if you purchase more coverages your rate will be more however just like when you buy the larger package at the food store, you likewise end up paying less per $1,000 of insurance. Increasing your liability insurance coverage from $25,000 per person to $50,000 per person would not double the cost yet probably elevate it less than 20%.
  • Your Discounts: Every insurance company offers 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, Cycle organization membership, and more.
motorcycle, scooter, trike, moped, and ATV insurance in Fife

Who Has The Best Motorcycle Insurance Rates?

Motorbike insurance is not “One Size Fits All”. The best motorcycle insurance provider for you will provide 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 several cycle insurers to find the very best match for you. Whether that’s protection for a custom bike or simply the minimum Washington state requirements so you are legal. If you call any of the ‘name brand’ companies such as State Farm, Allstate, Farmers, Geico, or Markel, you just get one quote from their brand. Each insurer we carry, Progressive, Safeco, Dairyland, and Foremost, has different specialties providing you choices when you are shopping. Some of our motorcycle insurance providers even offer an automobile & cycle insurance package discount, saving money on both policies. This is a fantastic method to save money on your motorbike insurance policy.
motorbike, moped, scooter, trike, and ATV insurance in Fife

Motorbike Insurance Coverage for New Riders

Purchasing your very first motorbike 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 buy your very first cycle or ATV/UTV, we can get you affordable motorbike insurance coverage. As a new rider, you have less experience so insurers figure you are more likely to be involved in an accident and for that reason will require you to pay more. Keep your driving record clean and don’t get in any accidents and you ought to see your rate drop as you gain experience.
cycle, scooter, trike, moped, and ATV insurance in Fife

About Fife

Fife is a city in Pierce County, Washington, United States and a suburb of Tacoma. The population was 9,173 at the 2010 census, estimated to have increased to 10,191 as of 2018. Fife is contained within the Puyallup Indian Reservation.

In 1940, it was described as “Fife…at a valley crossroads in the midst of a thickly settled berry growing and truck-gardening district is represented by a string of markets, taverns, shops, and a large, balloon-roofed dance hall along the highway.” The 1940 population was 135. Fife was officially incorporated on February 11, 1957.

Due to the increased traffic volume traveling from Puyallup and Tacoma, Fife felt the need to establish itself as autonomous community, not just as an intermediate area between Interstate 5 (I-5) and State Route 167.

Source: Fife, Washington in Wikipedia

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