Kittitas Motorcycle Insurance – Low Prices Insurance for Your Cycle, Scooter, RZRs, & Snowmachine

Instantaneous Proof of Motorcycle Insurance for You!

Are you looking for the cheapest motorbike insurance in Kittitas? You have come to the ideal agency. We have longstanding relationships with premier motorcycle insurance companies so that we can find you the very best rate. Whether your ride is a street bike, a touring bike, a cruiser, a custom chopper, or even a moped or scooter, your cycle is synonymous with flexibility which brings excitement. However with this adventure comes uncertainty and because you never can forsee what lies over the next hill, the right coverage will make sure you’re prepared for it.

The motorbike coverage you desire at a cost you can afford

Do you just require the general cycle insurance to get legal? We can help! Are you passionate about your bike? We can cover your motorbike, your accessories, and even your riding gear. Choosing the ideal coverage is like choosing the right bike. You want it to fit your needs and your lifestyle however also to be within your budget. The state mandates you carry a minimal level of liability coverage yet greater limits are available and other coverages are advised. Ensure you discuss all your available alternatives with a professional agent at Mid-Columbia Insurance.

Below is everything you need to know to get the very best cost on your cycle insurance coverage:

Bad Cycle Crashes - VIDEO

Is Cycle Insurance 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 wording in the insurance coverage law exempting motorbikes from being required to carry insurance.
If you cause a crash and don’t have insurance, you could put you and your loved ones in monetary danger for the damage done to others. Whether the accident is your fault or not, medical expenses and lost earnings for you and any occupants of your car might drive you to insolvency. Mandated or not, you would want to have cycle insurance so you can protect yourself from a liability claim or an irresponsible motorist who crashes into you.
motorcycle, scooter, trike, moped, and 4-wheeler insurance in Kittitas

What Cycle Insurance Should I Get?

There are 3 coverages every motorcycle insurance plan ought to have: liability, uninsured motorist}, and medical protection.
  • Liability insurance coverage is the only coverage that Washington state requires you to carry (since July 2019). Liability insurance safeguards you if you are discovered at fault for a crash where another individual is hurt or their property is harmed.
  • Uninsured Motorist is, arguably, the most crucial insurance protection and is listed second only because you can not buy it without purchasing liability. With uninsured motorist, your insurer covers you and any others in your car as if they were the uninsured motorist’s insurance company.In their October 2017 report, the Insurance Research Council reported that 17.4% of Washington drivers are uninsured.
  • Medical protection 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 crucial if you do not have health insurance to cover your medical expenses or you have a high-deductible health insurance.
You may be amazed that comprehensive & collision (aka full coverage) are not on this list. These protections are often required by lenders if you take out a loan to purchase your cycle. Yes, this protection is really essential to the bank however the 3 coverages 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 motorists. This is not a computer game where you can reset the game and start over. If you get hit, you may be hospitalized for months. Riding safe means using the best protective gear. If you take your safety and the financial safety of your loved ones seriously, then insurance ought to be seen like protective gear.
motorbike, moped, trike, scooter, and 4-wheeler insurance in Kittitas

Can I Insure My Sport Touring Cycle?

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

What is BroadForm Motorbike Insurance Coverage?

BroadForm Cycle Insurance Coverage is designed to provide the policy owner liability insurance coverage regardless of what motorbike they may ride. Comprehensive and collision insurance coverages (also known as “full coverage”) that would pay to take care of the bike in the event of a crash, theft, or vandalism can not be included in a cycle broadform policy but Uninsured Motorist as well as Medical can be added. If you answer Yes to these three statements, then Broad Form Bike Insurance policy might just be ideal for you. 1. You have or ride a couple motorcycles. 2. You are the only one that at any time rides your cycles. 3. You don’t need “full coverage” on any one of your cycles.
motorbike, moped, scooter, trike, and 4-wheeler insurance in Kittitas

Just How Much Does Motorcycle Insurance Coverage Cost?

A Motorbike insurance policy can cost you less than $200 annually or be greater than $2000 each year depending upon six significant factors: your age, your driving record, your motorbike, your zip code, your chosen insurance coverages, as well as the discounts for which you qualify.
  • Your Age: Statistics inform the insurance company that if you are under 25 you are more probable to be involved in an accident than if you happen to be 30+.
  • Your Driving Record: If you have accumulated speeding tickets or have been involved in a crash in the last few years, then your probabilities of having another wreck are higher.
  • Your Cycle: Some cycles appear to encourage careless cyclists.
  • Your Garaging Address: Clogged, metropolitan areas also increase your possibilities of being in a wreck.
  • Your Coverages: Of course, if you choose more insurance coverages your price is going to be higher but similar to when you buy the larger package at the grocery store, you also end up paying less per $1,000 of insurance coverage. Increasing your liability protection from $25,000 per person to $50,000 per person would not double the price yet probably raise it less than 20%.
  • Your Discounts: Every insurance company 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 motorcycle, Multiple policy, Claim-free, Safety course, Paid-in-full, Cycle organization membership, and more.
motorcycle, scooter, trike, moped, and ATV insurance in Kittitas

Who Has The Best Motorcycle Insurance Rates?

Cycle insurance is not “One Size Fits All”. The best motorcycle insurance provider for you will provide a policy that lines up with your particular needs. One call to us will get you all the quotes you need. As an independent agent, we quote you with multiple cycle insurance providers to find the best match for you. Whether that’s coverage for a custom cycle or simply the minimum Washington state requirements so you are legal. If you call some of the ‘name brand’ companies such as State Farm, Allstate, Farmers, Geico, or Markel, you only get one quote from their brand. Each company we carry, Progressive, Safeco, Dairyland, and Foremost, has different specialties offering you alternatives when you are hunting. A few of our motorcycle insurance providers even use a car & motorcycle insurance bundle discount, saving money on both policies. This is a terrific way to save cash on your cycle insurance plan.
cycle, trike, moped, scooter, and ATV insurance in Kittitas

Motorbike Insurance Coverage for New Riders

Purchasing your first motorbike can be a dream come true. Whether you are trying to find motorbike insurance as a 21 year old or have at last saved up enough to buy your very first motorbike or ATV/UTV, we can get you low-cost motorbike insurance coverage. As a 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 driving record clean and avoid getting in any crashes and you will see your rate drop as you acquire experience.
motorbike, trike, scooter, moped, and 4-wheeler insurance in Kittitas

About Kittitas

Kittitas () is a city in Kittitas County, Washington, United States. The population was 1,381 at the 2010 census and an estimated 1,493 in 2018.

There are numerous interpretations of the name, which is from the language of the Kittitas American Indian language. According to one source, it “has been said to mean everything from ‘white chalk’ to ‘shale rock’ to ‘shoal people’ to ‘land of beauty’. Most anthropologists and historians concede that each interpretation has some validity depending upon the particular dialect spoken.”

Kittitas was established in 1883 and officially incorporated on December 9, 1931. It was founded as part of the westward expansion of the Chicago, Milwaukee, St. Paul and Pacific Railroad. The Kittitas Yard and Depot became the center of the community of Kittitas, one of the many small, agricultural towns that sprang up along the railroad lines. The railroad linked Kittitas to other small communities and the rest of the country, providing farmers and business people a way to sell their products in other towns and cities.

Source: Kittitas, Washington in Wikipedia

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