King County Motorbike Insurance – Affordable Rates Insurance for Your Bike, Moped, Side x Sides, & Snowmachine

Immediate Proof of Motorbike Insurance Coverage for You!

Are you searching for the cheapest motorbike insurance coverage in King County? You have actually found the right agency. We have established longstanding relationships with premier motorbike insurance providers in order that we can find you the very best rate. Whether your cycle is a street bike, a touring bike, a cruiser, a custom chopper, or perhaps a moped or scooter, your ride is synonymous with flexibility which brings enjoyment. However with this adventure comes uncertainty and since you never ever can forsee what is around the next corner, the ideal coverage will make sure you’re ready for it.

The cycle coverage you desire at a cost you can afford

Do you just need the general motorcycle insurance coverage to be legal? We can help! Are you enthusiastic about your motorbike? We can cover your motorbike, your accessories, plus your riding gear. Selecting the ideal protection is similar to picking the ideal bike. You want it to fit your needs and your lifestyle however likewise to be within your budget. The state mandates you have a minimal amount of liability coverage yet greater levels are available and other coverages are recommended. Make sure you go over all the offered choices with a licensed insurance agent at Mid-Columbia Insurance.

Below is everything you need to understand to get the best price on your motorcycle insurance coverage:

Bad Motorcycle Crashes - VIDEO

Is Motorbike Insurance Coverage Required in Washington State?

Motorbike insurance is required in Washington state as of July 2019. The Washington state legislature passed and the Governor signed a change getting rid of the wording in the insurance law excusing motorbikes from being required to have insurance coverage.
If you cause a crash and don’t have insurance, you could put you and your loved ones in monetary danger for the damage caused to others. Also, whether the crash is your fault or not, medical bills and lost wages for you and any passengers could drive you to personal bankruptcy. Required or not, you want to have cycle insurance so you can protect yourself from a liability claim or an irresponsible motorist who crashes into you.
cycle, trike, scooter, moped, and 4-wheeler insurance in King County

What Motorbike Insurance Coverage Should I Get?

There are three insurance coverages every motorbike insurance policy needs to have: liability, uninsured motorist}, and medical coverage.
  • Liability insurance coverage is the only protection that Washington state mandates you to have (effective July 2019). Liability coverage safeguards you if you are found at fault for a crash where another person is hurt or their property is harmed.
  • Uninsured Motorist is, probably, the most important insurance coverage and is listed second only because you can not buy it without purchasing liability. With uninsured motorist, your insurance provider covers you and any passengers as if they were 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 payments is an optional protection and covers any needed medical treatment for you and any passengers up to the coverage amount you select. This can be essential if you do not have health 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 coverages are often mandated by lenders if you secure a loan to purchase your motorbike. So yes, this coverage is extremely crucial to the bank but the 3 protections above are a lot 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 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 loved ones seriously, then insurance coverage must be seen as protective equipment.
motorbike, scooter, trike, moped, and ATV insurance in King County

Can You Insure My Sport Touring Bike?

Yes! If your bike 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?
motorbike, scooter, trike, moped, and ATV insurance in King County

What is a BroadForm Cycle Insurance Policy?

BroadForm Motorbike Insurance Coverage is meant to provide the policy owner liability insurance regardless of what motorcycle they might ride. Comprehensive and collision insurance coverages (also known as “full coverage”) that would pay to take care of the bike in case of a crash, theft, or vandalism cannot be included in a cycle broadform policy but Uninsured Motorist and Medical can be added. If you answer Yes to these 3 sentences, then Broad Form Motorbike Insurance coverage may simply be perfect for you. 1. You have or ride a couple motorcycles. 2. You are the only one who at any time rides your bikes. 3. You do not require “full coverage” on any one of your cycles.
motorbike, moped, trike, scooter, and 4-wheeler insurance in King County

Just How Much Does Cycle Insurance Coverage Cost?

Cycle insurance coverage can cost you less than $200 yearly or be greater than $2000 per year depending upon 6 major variables: your age, your driving record, your cycle, your home town, your chosen coverages, as well as the discounts for which you qualify.
  • Your Age: Statistics inform the insurance provider that if you are under 25 you are more likely to be involved in a crash than if you happen to be 30+.
  • Your Driving Record: If you have collected speeding tickets or have already had a wreck in the last couple years, then your probabilities of having another wreck are greater.
  • Your Motorbike: Some cycles seem to entice negligent bikers.
  • Your Garaging Address: Crowded, metropolitan areas also increase your possibilities of being involved in an accident.
  • Your Insurance Coverages: Of course, if you choose extra coverages your price will be more but just like when you buy the bigger package at the food store, you likewise wind up paying less per $1,000 of insurance. For instance, doubling your liability protection from $25,000 per person to $50,000 per person would not double the cost however possibly increase it less than 20%.
  • Your Discounts: Every insurer makes available various combinations of discounts. The more that match up with your circumstances, the more likely you will end up paying less. Some discounts available: Multiple cycle, Multiple policy, Claim-free, Safety training course, Paid-in-full, Cycle organization membership, and more.
cycle, trike, scooter, moped, and ATV insurance in King County

What Company Has The Best Motorbike Insurance Prices?

Motorcycle insurance is not “One Size Fits All”. The best cycle insurance company for you will offer 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 motorbike insurers to discover 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 one 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 various specialties offering you choices when you are hunting. A few of our insurers even offer a car & cycle insurance package discount, marking down both policies. This is a great way to save money on your motorcycle insurance plan.
motorcycle, trike, moped, scooter, and ATV insurance in King County

Motorcycle Insurance for New Riders

Buying your very first motorcycle is a dream come true. Whether you are searching for cycle insurance coverage as a 20 year old or have actually at long last saved up enough to buy your first motorbike or ATV/UTV, we can get you the best motorcycle insurance coverage. 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 require you to pay more. Keep your record clean and don’t get in any accidents and you should see your rate drop as you acquire experience.
cycle, scooter, moped, trike, and 4-wheeler insurance in King County

About King County

King County is a county located in the U.S. state of Washington. The population was 2,252,782 in the 2019 census estimate, making it the most populous county in Washington, and the 12th-most populous in the United States. The county seat is Seattle, also the state’s most populous city.

King County is one of three Washington counties that are included in the Seattle–Tacoma–Bellevue metropolitan statistical area. (The others are Snohomish County to the north, and Pierce County to the south.) About two-thirds of King County’s population lives in Seattle’s suburbs.

The county was formed out of territory within Thurston County on December 22, 1852, by the Oregon Territory legislature and was named after Alabamian William R. King, who had just been elected Vice President of the United States under President Franklin Pierce. Seattle was made the county seat on January 11, 1853. The area became part of the Washington Territory when it was created later that year.

Source: King County, Washington in Wikipedia

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