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Harrington Motorcycle Insurance – Cheap Prices Insure Your Trike, Scooter, ATV, & Snowmobile

Instant Evidence of Motorcycle Insurance for You!

Are you looking for the best cycle insurance in Harrington? You have found the right agency. We have established longstanding partnerships with premier motorcycle insurance carriers in order that we can find you the very best rate. Whether your cycle is a street bike, a touring bike, a cruiser, a customized chopper, and even a moped or scooter, your bike is associated with flexibility which brings enjoyment. However with this adventure comes unpredictability and considering that you never ever can forsee what is around the next corner, the best coverage will ensure you’re ready for it.

The cycle protection you desire at a price you can afford

Do you just need the basic motorbike insurance to be legal? We can help! Are you passionate about your cycle? We can cover your motorbike, your accessories, and even your riding gear. Picking the ideal 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 have a minimal amount of liability protection yet higher levels are available and other protections are recommended. Make sure you discuss all your readily available choices with a licensed agent at Mid-Columbia Insurance.

Below is all you need to understand to get the very best rate on your cycle insurance:

Crazy Motorbike Wrecks - VIDEO

Is Motorcycle Insurance Coverage Mandated in Washington State?

Cycle insurance coverage is required in Washington state as of July 2019. Washington state passed and the Governor signed an amendment removing the phrasing in the insurance coverage law excusing cycle owners from being required to have insurance coverage.
If you cause a crash and don’t have insurance, you could put you and your family in financial risk for the damage caused to others. the accident is your fault or not, medical bills and lost wages for you and any passengers might drive you to bankruptcy. Mandated or not, you would want to have motorbike insurance so you can protect yourself from a liability claim or an irresponsible driver who crashes into you.
cycle, moped, scooter, trike, and ATV insurance in Harrington

What Motorcycle Insurance Should I Get?

There are 3 insurance coverages every cycle insurance plan should have: liability, uninsured motorist}, and medical coverage.
  • Liability insurance is the only protection that Washington state requires you to have (effective July 2019). Liability coverage protects you if you’re found at fault for a crash where another person is hurt or their property is damaged.
  • Uninsured Motorist is, arguably, the most crucial insurance coverage and is listed second only 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 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 coverage is an optional protection and pays for any necessary medical treatment for you and any others in your car up to the coverage amount you select. This can be crucial if you do not have health insurance to cover your medical expenses or you have a high-deductible health insurance.
You may be shocked that comprehensive & collision (aka full coverage) are not on this list. These coverages are often required by lending institutions if you take out a loan to buy your cycle. Yes, this protection is really crucial to the bank however the three coverages above are a lot more likely to keep you from bankruptcy 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 struck, you may be hospitalized for months. Riding safe entails wearing the best protective gear. If you take your safety and the financial safety of your loved ones seriously, then insurance coverage needs to be viewed like protective equipment.
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Can I Insure My 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?
cycle, trike, moped, scooter, and 4-wheeler insurance in Harrington

What is Broad Form Cycle Insurance?

a Broad Form Cycle Insurance Policy is meant to offer the policy owner liability protection regardless of what motorbike they may ride. Comprehensive as well as collision insurance coverages (aka “full coverage”) that would pay to take care of the bike in case of a crash, theft, or vandalism can not be included in a cycle broadform policy yet Uninsured Motorist and Medical can be included. If you respond Yes to these three statements, then Broad Form Cycle Insurance may simply be ideal for you. 1. You have or ride numerous bikes. 2. You are the only one who ever rides your motorbikes. 3. You don’t require “full coverage” on any of your bikes.
motorbike, moped, scooter, trike, and 4-wheeler insurance in Harrington

How Much Does Motorcycle Insurance Coverage Cost?

Cycle insurance coverage can cost you less than $200 per year or be greater than $2000 annually depending on six significant factors: your age, your driving record, your cycle, your zip code, your chosen coverages, and the discounts you qualify for.
  • Your Age: Statistics tell 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 collected speeding tickets or have already had an accident in the last couple years, then your chances of having another wreck are higher.
  • Your Motorbike: Some motorbikes appear to attract negligent riders.
  • Your Home Address: Congested, urban areas also increase your odds of being involved in a crash.
  • Your Coverages: Naturally, if you buy added insurance coverages your price is going to be increased but just like when you buy the bigger package at the grocery store, you also wind up paying less per $1,000 of insurance. Doubling your liability coverage from $25,000 per person to $50,000 per person would not double the cost however possibly raise it less than 20%.
  • Your Discounts: Every 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, trike, scooter, moped, and ATV insurance in Harrington

What Company Has The Best Cycle Insurance Rates?

Motorbike insurance is not “One Size Fits All”. The very best motorbike insurer 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 discover the best match for you. Whether that’s protection for a customized cycle or simply 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 only get one quote from their brand. Each company we represent, Progressive, Safeco, Dairyland, and Foremost, has different specialties giving you options when you are hunting. Some of our motorcycle insurance providers even offer an auto & motorcycle insurance package discount, marking down both policies. This is an excellent method to save money on your cycle insurance plan.
cycle, trike, scooter, moped, and ATV insurance in Harrington

Motorbike Insurance Coverage for New Riders

Buying your first cycle 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 motorbike or ATV/UTV, we can get you inexpensive motorcycle insurance. As a brand-new rider, you have less experience so insurers figure you are more likely to be involved in an accident and therefore will require you to pay more. Keep your driving record spotless and don’t get in accidents and you should see your rate drop as you gain experience.
motorbike, scooter, moped, trike, and ATV insurance in Harrington

About Harrington

Harrington is a city in Lincoln County, Washington, United States. The population was 424 at the 2010 census. It was named after W.P. Harrington, a banker from Colusa, California who had heavily invested in local land.

Harrington was first settled in 1879 by Adam and Jacob Ludy. Harrington was officially incorporated on April 17, 1902.

Harrington is located at 47°28′49″N 118°15′20″W / 47.48028°N 118.25556°W / 47.48028; -118.25556 (47.480251, -118.255422).

Source: Harrington, Washington in Wikipedia

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