Lewis County Motorcycle Insurance – Best Rates Insurance for Your Trike, Scooter, ATV, & Snowmobile

Instantaneous Proof of Cycle Insurance!

Are you trying to find the most affordable cycle insurance coverage in Lewis County? You have come to the best agency. We have longstanding relationships with premier cycle insurance carriers in order that we can find you the best rate. Whether your moytorcyle is a street bike, a touring bike, a cruiser, a customized chopper, or perhaps a moped or scooter, your bike is synonymous with freedom which brings excitement. However with this adventure comes uncertainty and considering that you never ever can forsee what is around the next corner, the right protection can ensure you’re prepared for it.

The motorcycle coverage you want at a cost you can afford

Do you just require the affordable cycle insurance coverage to be legal? We can help! Are you enthusiastic about your motorcycle? We can cover your motorbike, your accessories, plus your riding gear. Choosing the ideal coverage is similar to selecting the right 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 but greater limits are available and additional coverages are advised. Make certain you go over all the available alternatives with a licensed insurance agent at our office.

Below is all you need to know to get the very best price on your bike insurance coverage:

Crazy Cycle Crashes - VIDEO

Is Cycle Insurance Coverage Mandated in Washington State?

Motorbike insurance coverage is needed in Washington state since July 2019. Washington state passed and the Governor signed a change removing the phrasing in the insurance law excusing motorbikes from being forced to carry insurance coverage.
If you trigger a crash and don’t have insurance coverage, you might put you and your loved ones in monetary risk for the damage done to others. Likewise, whether the accident is your fault or not, medical expenses and lost wages for you and any occupants of your car could drive you to insolvency. Required or not, you want to have cycle insurance coverage so you can protect yourself from a liability suit or a careless motorist who hits you.
motorcycle, trike, moped, scooter, and ATV insurance in Lewis County

What Cycle Insurance Coverage Should I Get?

There are three insurance coverages every motorcycle insurance policy should have: liability, uninsured motorist}, and medical protection.
  • Liability insurance coverage is the only coverage that Washington state requires you to carry (effective July 2019). Liability coverage protects you if you’re discovered at fault for an accident where another person is hurt or their property is damaged.
  • Uninsured Motorist is, perhaps, the most important insurance protection and is listed second simply because you can not get it without buying liability. With uninsured motorist, your insurance company covers you and any others in your car as if they are the uninsured chauffeur’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 covers any required medical treatment for you and any others in your car up to the coverage amount you choose. 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 protections are often mandated by loan providers if you get a loan to purchase your motorcycle. So yes, this coverage is very important to the bank but the three protections above are a lot more most likely to keep you from personal bankruptcy 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 might be hospitalized for months. Riding safe entails using the best protective gear. If you take your safety and the financial security of your family seriously, then insurance should be viewed like protective gear.
cycle, moped, trike, scooter, and 4-wheeler insurance in Lewis County

Can You Insure My Trike?

Yes! If your cycle is designed for either off-road or street use, we can insure 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?
cycle, trike, moped, scooter, and ATV insurance in Lewis County

What is a BroadForm Motorcycle Insurance Policy?

Broad Form Motorbike Insurance Coverage is meant to provide the policy owner liability insurance regardless of what motorcycle they may ride. Comprehensive and also collision protections (also known as “full coverage”) that would pay to take care of the bike in the event of a collision, theft, or vandalism can not be added to a motorcycle broadform plan however Uninsured Motorist and also Medical can be included. If you respond Yes to these 3 statements, then Broad Form Bike Insurance coverage may be appropriate for you. 1. You own or ride several motorcycles. 2. You are the just one who at any time rides your motorcycles. 3. You don’t need “full coverage” on any one of your motorcycles.
cycle, trike, moped, scooter, and ATV insurance in Lewis County

How Much Does Cycle Insurance Coverage Cost?

Motorbike insurance coverage can cost you less than $200 per year or be greater than $2000 per year depending upon six significant variables: your age, your driving history, your motorcycle, your zip code, your chosen insurance coverages, as well as the discounts you qualify for.
  • Your Age: Stats 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 been involved in a wreck in the last couple years, then your odds of having another crash are higher.
  • Your Motorbike: Certain motorcycles appear to entice negligent riders.
  • Your Garaging Address: Congested, metropolitan areas also escalate your odds of being in an accident.
  • Your Coverages: Obviously, if you buy extra insurance coverages your rate will be increased but much like when you buy the bigger package at the grocery store, you also end up paying less per $1,000 of insurance. For example, doubling your liability insurance coverage from $25,000 per person to $50,000 per person will not double the cost however probably elevate it less than 20%.
  • Your Discounts: Every insurer makes available different combinations of discounts. The more that match up with your situation, 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, Cycle organization membership, and more.
motorbike, scooter, trike, moped, and 4-wheeler insurance in Lewis County

What Company Has The Best Cycle Insurance Rates?

Motorbike insurance is not “One Size Fits All”. The very best motorbike insurance provider for you will feature a policy that aligns 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 motorcycle insurers to find the very best match for you. Whether that’s coverage for a custom motorbike 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 only get one quote from their brand. Each company we represent, Progressive, Safeco, Dairyland, and Foremost, has various specialties offering you choices when you are hunting. Some of our insurance companies even offer an auto & motorcycle insurance package discount, saving money on both policies. This is a terrific method to save money on your motorbike insurance coverage.
motorcycle, moped, scooter, trike, and ATV insurance in Lewis County

Cycle Insurance for New Riders

Buying your first cycle can be a dream come true. Whether you are looking for motorcycle insurance as a 21 year old or have at long last saved up enough to purchase your first motorbike or ATV/UTV, we can get you cheap motorcycle insurance coverage. As a brand-new rider, you have less experience so insurance companies figure you are more likely to be in an accident and therefore will make you pay more. Keep your record clear and avoid getting in any accidents and you ought to see your rate drop as you gain experience.
motorcycle, scooter, trike, moped, and ATV insurance in Lewis County

About Lewis County

Lewis County is a county in the U.S. state of Washington. As of the 2010 census, the county’s population was 75,455. The county seat is Chehalis, and its largest city is Centralia. The county was created as Vancouver County on December 19, 1845, by the Provisional Government of Oregon, named for George Vancouver. In 1849, the county name was changed, to honor Meriwether Lewis. At the time, the county included all U.S. lands north of the Cowlitz River, including much of the Puget Sound region and British Columbia.

Lewis County comprises the Centralia, WA Micropolitan Statistical Area, which is also included in the Seattle-Tacoma, WA Combined Statistical Area.

As of the 2010 Census, there were 75,455 people, 29,743 households, and 20,104 families residing in the county. The population density was 31.4 inhabitants per square mile (12.1/km2). There were 34,050 housing units at an average density of 14.2 per square mile (5.5/km2). The racial makeup of the county’s population: 89.7% white, 1.4% American Indian, 0.9% Asian, 0.5% black or African American, 0.2% Pacific islander, 4.0% from other races, and 3.2% from two or more races. Those of Hispanic or Latino origin made up 8.7% of the population. In terms of ancestry, 24.1% were German, 14.9% were Irish, 12.5% were English, 7.7% were American, and 5.1% were Norwegian.

Source: Lewis County, Washington in Wikipedia

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Top Cycle Repair & Gear Near Lewis County

Maximilian Motorsports
8 reviews
Auto Repair, Motorcycle Repair, Auto Customization
1983 Bishop Rd, Chehalis, WA 98532
Grant’s Towing and Automotive
3 reviews
915 Koontz Rd, Napavine, WA 98565
3P Towing & Recovery
3 reviews
Towing, Roadside Assistance
1188 Valentine Ave SE, Pacific, WA 98047
Enfinity Towing
10 reviews
Towing, Roadside Assistance
4430 B St NW, Auburn, WA 98001

Best Places to Visit Around Lewis County

Rivers Coffeehouse & Bistro
106 reviews
Coffee & Tea, Sandwiches, Soup
212 Main Ave, Morton, WA 98356
Papa Bears Restaurant and Lounge
37 reviews
Lounges, American (New), Breakfast & Brunch
207 Main Ave, Morton, WA 98356
Spiffy Dine In Drive In
27 reviews
American (New), Burgers, Sandwiches
104 W Lake, Morton, WA 98356
Plaza Jalisco – Morton
62 reviews
200 Westlake Ave, Morton, WA 98356