Kirkland Motorcycle Insurance – Affordable Prices
Insure Your Cycle, Scooter, Side x Sides, & Snowmachine

Immediate Proof of Motorbike Insurance for You!

Are you searching for the most budget-friendly motorcycle insurance coverage in Kirkland? You have found the right agency. We have established longstanding partnerships with premier motorbike insurance providers so that we can find you the best rate.

Whether your ride is a street bike, a touring bike, a cruiser, a custom-made chopper, and even a moped or scooter, your bike is synonymous with liberty which brings excitement. But with this adventure comes unpredictability and since you never ever can forsee what is around the next corner, the ideal protection can make sure you’re prepared for it.

The motorcycle coverage you desire at a cost you can manage

Do you simply need the inexpensive motorbike insurance to get legal? We can assist!
Are you passionate about your motorbike? We can cover your motorcycle, your accessories, plus your riding gear.

Choosing the right coverage is like 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 amount of liability coverage but greater levels are available and other protections are advised. Make sure you talk about all your offered options with a trained insurance agent at Mid-Columbia Insurance.

Listed below is all you must know to get the best price on your motorbike insurance coverage:

Bad Motorcycle Wrecks - VIDEO

Is Cycle Insurance Mandated in Washington State?

Motorcycle insurance coverage is needed in Washington state since July 2019. The Washington state legislature passed and the Governor signed an amendment removing the phrasing in the insurance coverage law exempting motorbikes from being required to carry insurance coverage.

If you cause an accident and do not have insurance, you might put you and your family in monetary risk for the damage done to others. the crash is your fault or not, medical bills and lost wages for you and any occupants of your car might drive you to bankruptcy.

Required or not, you want to have cycle insurance coverage so you can protect yourself from a liability claim or a careless motorist who crashes into you.

motorbike, moped, scooter, trike, and 4-wheeler insurance in Kirkland

What Motorbike Insurance Coverage Should I Get?

There are three coverages every cycle insurance policy ought to have: liability, uninsured motorist}, and medical.

  • Liability insurance is the only coverage that Washington state requires you to have (effective July 2019). Liability safeguards you if you’re discovered at fault for a crash where another individual is injured or their property is harmed.
  • Uninsured Motorist is, arguably, the most crucial insurance protection and is listed second only due to the fact that you can not get it without purchasing 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 coverage and pays for any needed medical treatment for you and any others in your car up to the coverage amount you pick. This can be essential if you do not have medical insurance to cover your medical expenses or you have a high-deductible health plan.

You may be surprised that comprehensive & collision (aka full coverage) are not on this list. These protections are typically required by loan providers if you secure a loan to buy your motorcycle. So yes, this coverage is extremely crucial to the bank but the three protections above are much more 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 might be hospitalized for months. Riding safe entails using the right protective equipment. If you take your safety and the financial security of your family seriously, then insurance must be seen like protective equipment.

motorbike, scooter, trike, moped, and 4-wheeler insurance in Kirkland

Can You Insure My UTV?

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, trike, scooter, moped, and 4-wheeler insurance in Kirkland

What is a Broad Form Motorbike Insurance Policy?

BroadForm Cycle Insurance is designed to offer the policy owner liability protection regardless of what motorcycle they may ride.

Comprehensive and also collision coverages (aka “full coverage”) that would pay to fix the bike in the event of a crash, theft, or vandalism cannot be included in a cycle broadform plan but Uninsured Motorist and Medical can be included.

If you respond Yes to these three statements, then Broad Form Motorcycle Insurance coverage could be perfect for you.
1. You have or ride a number of cycles.
2. You are the just one that at any time rides your bikes.
3. You do not need “full coverage” on any one of your motorcycles.

motorcycle, scooter, trike, moped, and ATV insurance in Kirkland

How Much Does Motorcycle Insurance Cost?

Cycle insurance can cost you less than $200 per year or be more than $2000 annually depending on 6 significant variables: your age, your driving record, your motorbike, your home town, your chosen insurance coverages, and the discounts you qualify for.

  • Your Age: Statistics inform the insurer that if you are under 25 you are more probable to be involved in a wreck than if you are 30+.
  • Your Driving Record: If you have accumulated speeding tickets or have already had an accident in the last couple years, then your chances of having another wreck are higher.
  • Your Bike: Some bikes seem to encourage careless cyclists.
  • Your Garaging Address: Clogged, urban areas also boost your chances of being in an accident.
  • Your Insurance Coverages: Obviously, if you choose added insurance coverages your rate will be higher however just like when you purchase the bigger package at the supermarket, you also end 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 but most likely raise it less than 20%.
  • Your Discounts: Every company offers various combinations of discounts. The more that match up with your situation, the more likely you will end up paying less. Some discounts available: Multiple motorcycle, Multiple policy, Claim-free, Safety course, Paid-in-full, Cycle association membership, and more.
motorcycle, trike, moped, scooter, and 4-wheeler insurance in Kirkland

What Company Has The Very Best Cycle Insurance Quotes?

Cycle insurance is not “One Size Fits All”. The best motorcycle insurance company for you will provide a policy that aligns with your specific requirements. One call to us will get you all the quotes you require. As an independent agent, we quote you with several motorbike insurers to find the best match for you. Whether that’s coverage for a customized motorbike or just 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 represent, Progressive, Safeco, Dairyland, and Foremost, has various specialties providing you options when you are hunting.

A few of our motorcycle insurance providers even provide an auto & cycle insurance bundle discount, marking down both policies. This is a great method to save money on your cycle insurance policy.

motorcycle, scooter, moped, trike, and ATV insurance in Kirkland

Cycle Insurance Coverage for New Riders

Buying your very first cycle is a dream come true. Whether you are looking for motorbike insurance as a 20 year old or have finally saved up enough to purchase your very first motorcycle or ATV/UTV, we can get you inexpensive motorcycle insurance coverage.

As a new rider, you have less experience so insurance providers figure you are most likely to be in a crash and for that reason will require you to pay more. Keep your driving record clean and avoid getting in any wrecks and you will see your rate drop as you acquire experience.

motorcycle, scooter, trike, moped, and 4-wheeler insurance in Kirkland

About Kirkland

Kirkland is a city in King County, Washington, United States. A suburb east of Seattle, its population was 93,010 in a 2019 census estimate, which made it the sixth largest city in the county and the thirteenth largest in the state.

The city’s downtown waterfront has restaurants, art galleries, a performing arts center, public parks, beaches, and a collection of public art, primarily bronze sculptures.

Kirkland was the original home of the Seattle Seahawks; the NFL team’s headquarters and training facility were located at the Lake Washington Shipyard (now Carillon Point) along Lake Washington for their first ten seasons (1976–85), then at nearby Northwest University through 2007. Warehouse chain Costco previously had its headquarters in Kirkland. While Costco is now headquartered in Issaquah, the city is the namesake of its “Kirkland Signature” store brand.

Source: Kirkland, Washington in Wikipedia

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