(509) 783-5600 [email protected]

Gig Harbor Motorbike Insurance – Best Prices Insure Your Cycle, Moped, ATV, & Snowmobile

Immediate Evidence of Motorcycle Insurance Coverage for You!

Are you trying to find the cheapest motorcycle insurance in Gig Harbor? You have come to the best agency. We have cultivated longstanding partnerships with premier motorbike insurance companies so that we can find you the very best rate. Whether your moytorcyle is a street bike, a touring bike, a cruiser, a custom-made chopper, and even a moped or scooter, your bike is synonymous with freedom which brings enjoyment. But with this adventure comes unpredictability and since you never ever know what is around the next corner, the best coverage can make sure you’re ready for it.

The motorcycle coverage you want at a price you can manage

Do you simply need the inexpensive motorbike insurance coverage to be legal? We can assist! Are you passionate about your motorcycle? We can cover your bike, your accessories, plus your riding gear. Picking the right coverage is similar to selecting the ideal bike. You want it to fit your needs and your way of life but also to be within your budget. The state requires you carry a minimal level of liability coverage yet greater levels are available and other protections are recommended. Make sure you talk about all your available options with a licensed insurance agent at Mid-Columbia Insurance.

Below is all you must understand to get the very best price on your motorbike insurance:

Scary Motorcycle Accidents - VIDEO

Is Motorcycle Insurance Coverage Required in Washington State?

Motorcycle insurance coverage is needed in Washington state since July 2019. Washington state passed and the Governor signed a change removing the phrasing in the insurance law excusing cycles from being forced to carry insurance.
If you trigger an accident and don’t have insurance, you could put you and your loved ones in monetary danger for the damage caused to others. Likewise, whether the crash is your fault or not, medical expenses and lost wages for you and any occupants of your car could drive you to insolvency. Mandated or not, you want to have cycle insurance so you can safeguard yourself from a liability suit or a reckless driver who hits you.
cycle, moped, scooter, trike, and 4-wheeler insurance in Gig Harbor

What Cycle Insurance Coverage Should I Get?

There are three insurance coverages every motorcycle insurance policy ought 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’re discovered at fault for an accident where another individual is injured or their property is harmed.
  • Uninsured Motorist is, arguably, the most essential insurance coverage and is listed second only due to the fact that you can not purchase it without first getting liability. With uninsured motorist, your insurance provider covers you and any passengers 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 coverage is an optional protection and pays for any required medical treatment for you and any passengers up to the coverage amount you pick. This can be important if you do not have medical insurance to cover your medical costs or you have a high-deductible health plan.
You might be surprised that comprehensive & collision (aka full coverage) are not on this list. These protections are typically mandated by lending institutions if you secure a loan to purchase your cycle. Yes, this protection is very important to the bank however the 3 protections above are much more most likely to keep you from bankruptcy in the event of a crash. Let’s face it. All motorcyclists are at the mercy of other motorists. 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 using the best protective equipment. If you take your safety and the financial security of your loved ones seriously, then insurance coverage ought to be seen like protective gear.
cycle, trike, moped, scooter, and ATV insurance in Gig Harbor

Can You Insure My Classic Cycle?

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?
motorcycle, scooter, moped, trike, and 4-wheeler insurance in Gig Harbor

What is BroadForm Motorbike Insurance?

BroadForm Motorbike Insurance is designed to offer the policy owner liability insurance coverage whatever motorcycle they might ride. Comprehensive and collision coverages (aka “full coverage”) that would pay to take care of the bike in the event of an accident, theft, or vandalism cannot be added to a cycle broadform policy but Uninsured Motorist and also Medical can be added. If you answer Yes to these 3 sentences, then Broad Form Motorcycle Insurance coverage could simply be ideal for you. 1. You own or ride numerous motorbikes. 2. You are the just one that ever rides your motorcycles. 3. You don’t need “full coverage” on any of your motorcycles.
cycle, trike, scooter, moped, and 4-wheeler insurance in Gig Harbor

How Much Does Motorcycle Insurance Coverage Cost?

A Motorbike insurance policy can cost you less than $200 per year or be more than $2000 per year depending upon 6 major factors: your age, your driving history, your motorcycle, your hometown, your selected insurance coverages, as well as the discounts for which you qualify.
  • Your Age: Stats tell the insurance provider that if you are under 25 you are more probable to have a wreck than if you are 30+.
  • Your Driving History: If you have received speeding tickets or have already had a crash in the last couple years, then your chances of having another crash are greater.
  • Your Motorcycle: Particular bikes seem to entice careless motorcyclists.
  • Your Home Address: Clogged, urban areas also escalate your chances of being in a crash.
  • Your Insurance Coverages: Obviously, if you purchase more coverages your rate will be increased but much like when you purchase the larger 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 will not double the cost yet possibly increase 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.
motorcycle, scooter, moped, trike, and 4-wheeler insurance in Gig Harbor

What Company Has The Very Best Motorbike Insurance Rates?

Motorcycle insurance coverage is not “One Size Fits All”. The best cycle insurer for you will feature a policy that lines up with your particular needs. One call to us will get you all the quotes you require. As an independent agent, we quote you with numerous motorcycle insurance providers to find the best match for you. Whether that’s protection for a customized cycle or just the minimum Washington state requirements so you are legal. If you call any of the ‘name brand’ providers 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 giving you choices when you are hunting. A few of our insurers even provide an automobile & cycle insurance package discount, saving money on both policies. This is a great method to save cash on your motorcycle insurance policy.
cycle, scooter, trike, moped, and ATV insurance in Gig Harbor

Cycle Insurance for New Riders

Buying your very first motorcycle is a dream come true. Whether you are searching for motorbike insurance as a 18 year old or have at last saved up enough to purchase your first motorbike or ATV/UTV, we can get you inexpensive motorcycle insurance coverage. As a new rider, you have less experience so insurers figure you are more likely to be involved in a crash and for that reason will require you to pay more. Keep your driving record clean and avoid getting in wrecks and you ought to see your rate drop as you get experience.
motorcycle, scooter, moped, trike, and 4-wheeler insurance in Gig Harbor

About Gig Harbor

Gig Harbor is the name of both a bay on Puget Sound and a city on its shore in Pierce County, Washington, United States. The population was 7,126 at the 2010 census.

Gig Harbor is one of several cities and towns that claim to be “the gateway to the Olympic Peninsula”. Due to its close access to several state and city parks, and historic waterfront that includes boutiques and fine dining, it has become a popular tourist destination. Gig Harbor is located along State Route 16, about 6 mi (10 km) from its origin at Interstate 5, over the Tacoma Narrows Bridge. A $1.2 billion project to add a second span to the bridge was completed in 2007. From Gig Harbor, Tacoma can be reached in under 20 minutes and Seattle in under an hour.

During a heavy storm in 1840, Captain Charles Wilkes brought the captain’s gig (small boat) into the harbor for protection. Later, with the publication of Wilkes 1841 map of the Oregon Territory, he named the sheltered bay Gig Harbor.

Source: Gig Harbor, Washington in Wikipedia

Pulled over one too many times?

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

Top Motorcycle Repair & Gear Near Gig Harbor

Tacoma Motorsports
16 reviews
Motorcycle Dealers, Motorsport Vehicle Repairs, Motorcycle Gear
+12535648678
4701 Center St, Tacoma, WA 98409
Action Cycles
1 review
Motorcycle Repair
+12534747770
406 S Wright Ave, Tacoma, WA 98418
Motor Sports of Olympia
14 reviews
Motorcycle Dealers
+13604382997
6807 Martin Way E, Olympia, WA 98516
Whites Motorcycle Service
11 reviews
Motorcycle Repair
+12534390420
4312 6th Ave, Unit D, Tacoma, WA 98406

Top Things to Do By Gig Harbor

Devoted Kiss Cafe
552 reviews
Breakfast & Brunch, Sandwiches
8809 N Harborview Dr, Ste 203, Gig Harbor, WA 98332
Netshed No. 9
417 reviews
Breakfast & Brunch, Waffles, American (Traditional)
3313 Harborview Dr, Gig Harbor, WA 98332
Il Lucano Ristorante Italiano
352 reviews
Italian, Gluten-Free
3119 Judson St, Gig Harbor, WA 98335
Tides Tavern
685 reviews
Pubs, American (Traditional), Seafood
2925 Harborview Dr, Gig Harbor, WA 98335