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Friday Harbor Motorbike Insurance – Affordable Quotes Insurance for Your Cycle, Moped, RZRs, & Snowmobile

Instantaneous Evidence of Cycle Insurance Coverage for You!

Are you trying to find the best cycle insurance coverage in Friday Harbor? You have actually found the ideal place. We have established longstanding relationships with premier motorbike 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 custom-made chopper, and even a moped or scooter, your cycle is associated with freedom which brings enjoyment. But with this adventure comes unpredictability and because you never can forsee what is around the next corner, the best protection will ensure you’re ready for it.

The motorbike coverage you want at a cost you can afford

Do you just need the inexpensive motorbike insurance to be legal? We can help! Are you enthusiastic about your motorcycle? We can cover your motorbike, your accessories, and even your riding gear. Selecting the best coverage is similar to picking 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 carry a minimal level of liability protection but higher limits are available and additional coverages are recommended. Ensure you talk about all the readily available options with a licensed insurance agent at Mid-Columbia Insurance.

Below is everything you need to understand to get the very best price on your motorbike insurance:

Crazy Cycle Wrecks - VIDEO

Is Motorbike Insurance Coverage Mandated in Washington State?

Motorcycle insurance is required in Washington state since July 2019. Washington state passed and the Governor signed a modification eliminating the phrasing in the insurance coverage law excusing motorcycles from being forced to have insurance.
If you cause a crash and do not have insurance, you could put you and your loved ones in monetary risk for the damage done to others. Whether the crash is your fault or not, medical bills and lost wages for you and any passengers could drive you to personal bankruptcy. Mandated or not, you would want to have cycle insurance so you can safeguard yourself from a liability suit or a careless motorist who crashes into you.
cycle, trike, scooter, moped, and 4-wheeler insurance in Friday Harbor

What Motorcycle Insurance Should I Get?

There are 3 insurance coverages every cycle insurance plan needs to have: liability, uninsured motorist}, and medical protection.
  • Liability insurance coverage is the only coverage that Washington state requires you to have (since July 2019). Liability insurance protects you if you are found at fault for an accident where another individual is injured or their property is damaged.
  • Uninsured Motorist is, perhaps, the most essential insurance protection and is listed second simply because you can not get it without buying liability. With uninsured motorist, your insurance company covers you and any passengers as if they were the uninsured chauffeur’s insurance provider.In their October 2017 report, the Insurance Research Council reported that 17.4% of Washington drivers are uninsured.
  • Medical coverage is an optional protection 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 plan.
You may be shocked that comprehensive & collision (aka full coverage) are not on this list. These coverages are typically mandated by lending institutions if you take out a loan to buy your bike. So yes, this coverage is really crucial to the bank however the three protections above are far more most likely to keep you from insolvency in the event of an accident. Let’s face it. All motorcyclists are at the mercy of other drivers. This is not a video game where you can reset the game and start over. If you get hit, you might be hospitalized for months. Riding safe means wearing the best protective equipment. If you take your safety and the financial security of your loved ones seriously, then insurance coverage needs to be viewed as protective equipment.
motorcycle, scooter, trike, moped, and ATV insurance in Friday Harbor

Can You Insure My Classic Cycle?

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?
cycle, scooter, trike, moped, and 4-wheeler insurance in Friday Harbor

What is BroadForm Motorcycle Insurance?

Broad Form Motorbike Insurance Coverage is meant to provide the policy owner liability insurance coverage no matter what motorbike they may ride. Comprehensive and also collision coverages (aka “full coverage”) that would pay to repair the bike in the event of a crash, theft, or vandalism can not be included in a cycle broadform policy but Uninsured Motorist and Medical can be included. If you answer Yes to these 3 sentences, then Broad Form Cycle Insurance coverage could just be ideal for you. 1. You own or ride multiple cycles. 2. You are the just one that ever rides your motorbikes. 3. You don’t require “full coverage” on any of your bikes.
motorbike, trike, scooter, moped, and ATV insurance in Friday Harbor

Just How Much Does Motorcycle Insurance Cost?

Motorcycle insurance coverage can cost you less than $200 per year or be greater than $2000 per year depending on 6 major factors: your age, your driving record, your motorcycle, your hometown, your chosen coverages, as well as the discounts for which you qualify.
  • Your Age: Stats inform the insurer that if you are under 25 you are more probable to have a crash than if you are 30+.
  • Your Driving Record: If you have received speeding tickets or have already had a wreck in the last couple years, then your chances of having another wreck are higher.
  • Your Bike: Some cycles seem to entice careless bikers.
  • Your Garaging Address: Clogged, metropolitan areas also raise your odds of being in a crash.
  • Your Insurance Coverages: Clearly, if you choose better insurance coverages your price is going to be increased but just like when you purchase the bigger package at the supermarket, you also wind up paying less per $1,000 of insurance coverage. Doubling your liability coverage from $25,000 per person to $50,000 per person would not double the cost yet possibly raise it less than 20%.
  • Your Discounts: Every insurer 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, Motorcycle organization membership, and more.
motorbike, moped, trike, scooter, and 4-wheeler insurance in Friday Harbor

Who Has The Best Cycle Insurance Prices?

Motorbike insurance coverage is not “One Size Fits All”. The best motorbike insurer for you will feature a policy that aligns with your specific needs. One call to us will get you all the quotes you need. As an independent agent, we quote you with multiple cycle insurance companies to find the best match for you. Whether that’s coverage for a customized cycle or just the minimum Washington state requirements so you are legal. If you call some 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 giving you options when you are shopping. Some of our motorcycle insurance companies even offer an automobile & cycle insurance package discount, saving money on both policies. This is a fantastic way to save money on your motorcycle insurance policy.
cycle, moped, scooter, trike, and 4-wheeler insurance in Friday Harbor

Motorbike Insurance for New Riders

Buying your first cycle can be a dream come true. Whether you are trying to find cycle insurance as a 19 year old or have actually at last saved up enough to purchase your first motorbike or ATV/UTV, we can get you cheap motorbike insurance. As a brand-new rider, you have less experience so insurers figure you are more likely to be in an accident and for that reason will make you pay more. Keep your driving record clean and don’t get in wrecks and you ought to see your rate drop as you gain experience.
cycle, scooter, moped, trike, and 4-wheeler insurance in Friday Harbor

About Friday Harbor

Friday Harbor is a town in San Juan County, Washington, United States. The population was 2,162 at 2010 Census. Located on San Juan Island, Friday Harbor is the major commercial center of the San Juan Islands archipelago and is the county seat of San Juan County.

In 1845 the Hudson’s Bay Company laid claim to San Juan Island. In 1850 they built a salmon curing station. A few years later they started a sheep farm.

The town’s name originates from Joseph Poalie Friday, a native Hawaiian. Friday worked at the Pugets Sound Agricultural Company’s Fort Cowlitz, from 1841 to 1859–60 and later moved north to San Juan Island, raising and herding sheep around the harbor.

Source: Friday Harbor, Washington in Wikipedia

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Top Cycle Repair & Gear Near Friday Harbor

Allen Auto Repair
1 review
Auto Repair, Auto Customization
220 Blair Ave, Ste 1911, Friday Harbor, WA 98250
Cascade Motorcycle Safety
5 reviews
Driving Schools
Coupeville, WA 98239
Vancouver Island Safety Council
1 review
Driving Schools
2207 Millstream Road, Langford, BC V9B 6B2, Canada
Deer Harbor Marina
9 reviews
5164 Deer Harbor Rd, Deer Harbor, WA 98243

Top Things to Do Near Friday Harbor

Cask and Schooner
660 reviews
Seafood, British, American (Traditional)
1 Front St, Ste 1, Friday Harbor, WA 98250
San Juan Bistro
125 reviews
American (New), Desserts, Beer Bar
155 Nichols St, Friday Harbor, WA 98250
Mike’s Cafe & Wine Bar
191 reviews
Bars, American (Traditional)
135 2nd St N, Friday Harbor, WA 98250
Rocky Bay Cafe
329 reviews
Breakfast & Brunch, Coffee & Tea
225 Spring St, Friday Harbor, WA 98250