Lake Stevens Motorcycle Insurance – Best Quotes Insure Your Bike, Moped, RZRs, & Snowmobile

Instant Proof of Cycle Insurance for You!

Are you trying to find the most budget-friendly cycle insurance in Lake Stevens? You have come to the right place. We have cultivated longstanding partnerships with top-rated cycle insurance carriers 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, and even a moped or scooter, your ride is synonymous with liberty which brings excitement. However with this adventure comes uncertainty and since you never know what is around the next corner, the ideal protection will ensure you’re prepared for it.

The motorcycle coverage you want at a rate you can handle

Do you simply require the inexpensive motorcycle insurance to get legal? We can help! Are you enthusiastic about your motorbike? We can cover your cycle, your accessories, plus your riding gear. Choosing 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 mandates you have a minimal level of liability protection but higher levels are available and other coverages are advised. Make sure you discuss all the readily available options with a trained insurance agent at Mid-Columbia Insurance.

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

Terrible Motorbike Crashes - VIDEO

Is Motorcycle Insurance Required in Washington State?

Cycle insurance is needed in Washington state since July 2019. Washington state passed and the Governor signed an amendment removing the phrasing in the insurance coverage law exempting motorbikes from being forced to have insurance coverage.
If you trigger an accident and do not have insurance coverage, you might put you and your family in financial risk for the damage caused to others. the crash is your fault or not, medical costs and lost earnings for you and any occupants of your car could drive you to insolvency. Required or not, you would want to have motorbike insurance coverage so you can protect yourself from a liability lawsuit or an irresponsible driver who crashes into you.
cycle, scooter, moped, trike, and ATV insurance in Lake Stevens

What Motorbike Insurance Coverage Should I Get?

There are 3 insurance coverages every motorcycle insurance policy needs to have: liability, uninsured motorist}, and medical coverage.
  • Liability insurance coverage is the only protection that Washington state requires you to carry (effective July 2019). Liability coverage safeguards you if you are discovered at fault for an accident where another individual is injured or their property is damaged.
  • Uninsured Motorist is, perhaps, the most essential insurance protection and is listed second only because you can not buy it without buying liability. With uninsured motorist, your insurance company covers you and any others in your car as if they are the uninsured driver’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 protection and pays for any required medical treatment for you and any others in your car up to the coverage amount you pick. This can be crucial if you don’t have health insurance to cover your medical costs or you have a high-deductible health insurance.
You might be amazed that comprehensive & collision (aka full coverage) are not on this list. These protections are frequently required by loan providers if you get a loan to purchase your bike. So yes, this coverage is very crucial to the bank but the 3 coverages above are much more most likely to keep you from insolvency in case of a crash. 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 hit, you may be hospitalized for months. Riding safe entails wearing the right protective gear. If you take your safety and the financial safety of your family seriously, then insurance coverage must be viewed as protective gear.
motorbike, moped, scooter, trike, and ATV insurance in Lake Stevens

Can You 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?
motorbike, moped, scooter, trike, and ATV insurance in Lake Stevens

What is BroadForm Motorcycle Insurance?

BroadForm Cycle Insurance Coverage is meant to provide the policy owner liability insurance coverage regardless of what motorbike they may ride. Comprehensive as well as collision coverages (also known as “full coverage”) that would pay to fix the bike in case of a collision, theft, or vandalism can not be included in a motorcycle broadform plan but Uninsured Motorist and also Medical can be included. If you answer Yes to these three statements, then Broad Form Motorcycle Insurance might be a good fit for you. 1. You own or ride a couple motorbikes. 2. You are the just one who at any time rides your motorbikes. 3. You do not require “full coverage” on any of your bikes.
motorbike, moped, scooter, trike, and 4-wheeler insurance in Lake Stevens

Just How Much Does Cycle Insurance Coverage Cost?

A Motorbike insurance policy can cost you less than $200 annually or be greater than $2000 yearly depending on six major factors: your age, your driving record, your motorcycle, your home town, your chosen insurance coverages, and the discounts you qualify for.
  • Your Age: Statistics inform the insurance provider that if you are under 25 you are more likely to have a crash than if you are 30+.
  • Your Driving Record: If you have collected speeding tickets or have been involved in a crash in the last couple years, then your probabilities of having another wreck are higher.
  • Your Motorbike: Particular cycles seem to encourage negligent riders.
  • Your Garaging Address: Crowded, metropolitan areas also increase your chances of being involved in an accident.
  • Your Insurance Coverages: Obviously, if you choose better insurance coverages your rate is going to be higher however just like when you buy the larger package at the supermarket, you likewise end up paying less per $1,000 of insurance. Increasing your liability coverage from $25,000 per person to $50,000 per person would not double the cost however probably increase it less than 20%.
  • Your Discounts: Every insurance company 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 cycle, Multiple policy, Claim-free, Safety training course, Paid-in-full, Motorcycle association membership, and more.
motorcycle, scooter, trike, moped, and 4-wheeler insurance in Lake Stevens

What Company Has The Very Best Motorbike Insurance Quotes?

Motorbike insurance is not “One Size Fits All”. The best motorcycle insurance provider for you will provide a policy that aligns with your particular requirements. One call to us will get you all the quotes you need. As an independent agent, we quote you with multiple motorbike insurers to find the best match for you. Whether that’s coverage for a custom cycle or just the minimum Washington state requirements so you are legal. If you call one 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 represent, Progressive, Safeco, Dairyland, and Foremost, has different specialties offering you alternatives when you are shopping. Some of our motorcycle insurers even provide an auto & motorcycle insurance package discount, marking down both policies. This is a fantastic method to save cash on your motorbike insurance policy.
motorcycle, trike, scooter, moped, and ATV insurance in Lake Stevens

Cycle Insurance Coverage for New Riders

Purchasing your very first motorcycle can be a dream come true. Whether you are searching for motorcycle insurance coverage as a 21 year old or have at long last saved up enough to buy your very first motorcycle or ATV/UTV, we can get you the best motorbike insurance. As a new rider, you have less experience so insurers figure you are most likely to be involved in an accident and because of this will require you to pay more. Keep your driving record clear and don’t get in crashes and you ought to see your rate drop as you acquire experience.
cycle, moped, scooter, trike, and 4-wheeler insurance in Lake Stevens

About Lake Stevens

Lake Stevens is a city in Snohomish County, Washington, United States, and is named for the lake that it surrounds. It is located 6 miles (9.7 km) east of Everett and borders the cities of Marysville to the northwest and Snohomish to the south. The city’s population was 28,069 at the 2010 census, but has since grown to an estimated 33,911.

The lake was named in 1859 for territorial governor Isaac Stevens and was originally home to the Skykomish in the Pilchuck River basin. The first modern settlement on Lake Stevens was founded at the northeastern corner of the lake in 1889. It was later sold to the Rucker Brothers, who opened a sawmill in 1907 that spurred early growth in the area, but closed in 1925 after the second of two major fires. The Lake Stevens area then became a resort community before developing into a commuter town in the 1960s and 1970s.

Lake Stevens was incorporated as a city in 1960, following an exodus of businesses from the downtown area to a new shopping center. The city has since grown through annexations to encompass most of the lake, including the original shopping center, and quadrupled in population from 2000 to 2010. A revitalized downtown area is planned alongside new civic buildings in the 2020s.

Source: Lake Stevens, Washington in Wikipedia

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Top Cycle Repair & Gear Near Lake Stevens

Everett Powersports
45 reviews
Motorcycle Dealers, Motorcycle Repair, Motorcycle Gear
215 SW Everett Mall Way, Everett, WA 98204
Motorcycle Goodies
10 reviews
Motorcycle Repair, Motorcycle Parts & Supplies
2024 Broadway, Everett, WA 98201
Nelson Motorsports
11 reviews
Motorsport Vehicle Dealers, Motorcycle Dealers, Motorsport Vehicle Repairs
3326 Bickford Ave, Ste B, Snohomish, WA 98290
Re-Cycle’d Biker Stuff
9 reviews
Thrift Stores, Motorcycle Repair
2211 Sr 530, Arlington, WA 98223

Best Things to Do Near Lake Stevens

LJ’s Bistro & Bar
355 reviews
American (New), Cocktail Bars
430 91st NE, Ste 1, Lake Stevens, WA 98258
Brat From Deutschland
150 reviews
512 91st Ave NE, Lake Stevens, WA 98258
Contos Pizza
269 reviews
Pizza, Italian
903 Rte 9, Lake Stevens, WA 98258
Jenny Cookies Bake Shop
92 reviews
Cupcakes, Bakeries, Custom Cakes
12420 20th St NE, Lake Stevens, WA 98258