Lopez Island Motorcycle Insurance – Affordable Prices Insurance for Your Trike, Moped, RZRs, & Snowmobile

Immediate Proof of Cycle Insurance Coverage for You!

Are you trying to find the most cost effective cycle insurance coverage in Lopez Island? You have actually come to the right place. We have cultivated longstanding relationships with outstanding cycle insurance providers so that we can find you the best rate. Whether your ride is a street bike, a touring bike, a cruiser, a customized chopper, and even a moped or scooter, your ride is synonymous with liberty which brings excitement. But with this adventure comes unpredictability and because you never ever can forsee what lies over the next hill, the right protection will ensure you’re ready for it.

The cycle coverage you desire at a rate you can manage

Do you just need the basic motorbike insurance coverage to get legal? We can help! Are you passionate about your bike? We can cover your motorcycle, your accessories, and also your riding gear. Picking the best protection is like selecting the ideal bike. You want it to fit your needs and your lifestyle but likewise to be within your budget. The state mandates you carry a minimal level of liability protection yet greater levels are available and extra protections are advised. Make sure you talk about all your readily available choices with a professional agent at Mid-Columbia Insurance.

Below is all you must understand to get the very best price on your motorcycle insurance:

Terrible Motorbike Accidents - VIDEO

Is Cycle Insurance Required in Washington State?

Cycle insurance is needed in Washington state as of July 2019. Washington state passed and the Governor signed an amendment eliminating the phrasing in the insurance law excusing motorbikes from being forced to carry insurance.
If you cause a crash and don’t have insurance, you might put you and your family in financial risk for the damage done to others. Likewise, whether the accident is your fault or not, medical bills and lost earnings for you and any passengers might drive you to insolvency. Mandated or not, you want to have cycle insurance coverage so you can secure yourself from a liability lawsuit or an irresponsible motorist who crashes into you.
cycle, scooter, trike, moped, and ATV insurance in Lopez Island

What Cycle Insurance Should I Get?

There are three coverages every motorbike insurance plan needs to have: liability, uninsured motorist}, and medical coverage.
  • Liability insurance coverage is the only protection that Washington state requires you to have (since July 2019). Liability secures you if you are discovered at fault for a crash where another individual is injured or their property is harmed.
  • Uninsured Motorist is, perhaps, the most crucial insurance protection and is listed second simply due to the fact that you can not purchase it without first getting liability. With uninsured motorist, your insurer covers you and any passengers as if they are the uninsured chauffeur’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 covers any necessary medical treatment for you and any passengers up to the coverage amount you pick. This can be essential if you don’t have medical insurance to cover your medical expenses or you have a high-deductible health insurance.
You might be shocked that comprehensive & collision (aka full coverage) are not on this list. These coverages are frequently mandated by loan providers if you get a loan to buy your motorcycle. So yes, this protection is extremely essential to the bank however the three protections above are far more most likely to keep you from insolvency in the event 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 struck, you may be hospitalized for months. Riding safe entails wearing the right protective gear. If you take your safety and the financial security of your family seriously, then insurance ought to be viewed as protective gear.
motorcycle, scooter, trike, moped, and 4-wheeler insurance in Lopez Island

Can I Insure My Scooter?

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 4-wheeler insurance in Lopez Island

What is a Broad Form Motorcycle Insurance Policy?

BroadForm Motorbike Insurance Coverage is designed to provide the policy owner liability insurance coverage regardless of what motorcycle they may ride. Comprehensive and also collision insurance coverages (also known as “full coverage”) that would pay to repair the bike in case of an accident, theft, or vandalism can not be added to a cycle broadform policy however Uninsured Motorist as well as Medical can be added. If you answer Yes to these three sentences, then Broad Form Cycle Insurance policy could simply be a good fit for you. 1. You have or ride a number of motorbikes. 2. You are the just one that at any time rides your motorcycles. 3. You don’t need “full coverage” on any of your cycles.
motorcycle, moped, trike, scooter, and ATV insurance in Lopez Island

Just How Much Does Motorbike Insurance Coverage Cost?

A Motorbike insurance policy can cost you less than $200 per year or be more than $2000 yearly depending on 6 major factors: your age, your driving record, your cycle, your hometown, your selected insurance coverages, and the discounts for which you qualify.
  • Your Age: Stats tell the insurance provider that if you are under 25 you are more likely to have an accident 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 odds of having another crash are higher.
  • Your Motorbike: Some cycles appear to entice careless motorcyclists.
  • Your Garaging Address: Crowded, urban areas also raise your chances of being involved in a crash.
  • Your Coverages: Clearly, if you buy more insurance coverages your price is going to be more however just like when you buy the bigger package at the food store, you also wind up paying less per $1,000 of insurance. As an example, increasing your liability insurance coverage from $25,000 per person to $50,000 per person will not double the price but possibly increase it less than 20%.
  • Your Discounts: Every insurance company makes available different 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 course, Paid-in-full, Cycle association membership, and more.
motorbike, moped, scooter, trike, and 4-wheeler insurance in Lopez Island

What Company Has The Best Motorcycle Insurance Quotes?

Cycle insurance is not “One Size Fits All”. The best motorbike insurance provider for you will feature a policy that lines up with your particular requirements. One call to us will get you all the quotes you need. As an independent agent, we quote you with numerous motorbike insurers to discover the very best match for you. Whether that’s coverage for a custom bike or just the minimum Washington state requirements so you are legal. If you call any of the ‘name brand’ providers such as State Farm, Allstate, Farmers, Geico, or Markel, you just get one quote from their brand. Each company we represent, Progressive, Safeco, Dairyland, and Foremost, has various specialties offering you alternatives when you are shopping. Some of our motorcycle insurers even provide a car & cycle insurance bundle discount, saving money on both policies. This is a terrific way to save money on your motorbike insurance policy.
motorbike, moped, scooter, trike, and ATV insurance in Lopez Island

Cycle Insurance Coverage for New Riders

Purchasing your first cycle can be a dream come true. Whether you are searching for motorcycle insurance as a 21 year old or have actually finally saved up enough to purchase your first motorcycle or ATV/UTV, we can get you affordable cycle insurance. As a new rider, you have less experience so insurance providers figure you are more likely to be involved in an accident and for that reason will make you pay more. Keep your record clear and don’t get in any crashes and you will see your rate drop as you get experience.
cycle, moped, scooter, trike, and ATV insurance in Lopez Island

About Lopez Island

Lopez Island is the third largest of the San Juan Islands and an unincorporated town in San Juan County, Washington, United States. Lopez Island is 29.81 square miles (77.2 km2) in land area. The 2000 census population was 2,177, though the population swells in the summer, as second homes, rental houses, and campsites fill up.

During the Wilkes Expedition, Lopez Island was given the name Chauncey Island, after the American naval commander Isaac Chauncey. When the British reorganized the official admiralty naval charts in 1847, Henry Kellett systematically removed many of Wilkes’s names. He renamed the island Lopez, for Gonzalo López de Haro, the Spanish naval officer who was the first European to discover the San Juan Islands archipelago.

The Lopez Island Historical Museum collects and preserves the regional history of Lopez and the San Juan Islands. The museum features artifacts reflecting Lopez’s contributions to the maritime, fishing and farming industries. The museum has an extensive archive of local historical documents as well as artifacts depicting life on Lopez Island in the late 19th and early 20th centuries.[citation needed]

Source: Lopez Island, Washington in Wikipedia

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Best Motorcycle Repair & Gear Near Lopez Island

Cascade Motorcycle Safety
5 reviews
Driving Schools
Coupeville, WA 98239
Allen Auto Repair
1 review
Auto Repair, Auto Customization
220 Blair Ave, Ste 1911, Friday Harbor, WA 98250
Kountry Customz
10 reviews
Car Stereo Installation, Auto Customization, Auto Security
5930 Guide Meridian Rd, Bellingham, WA 98226
Classic Upholstery & Foam
6 reviews
Furniture Reupholstery, Auto Upholstery
220 Commercial Ave, Anacortes, WA 98221

Top Places to Visit Near Lopez Island

Isabel’s Espresso
36 reviews
Coffee & Tea
308 Lopez Rd, Lopez Island, WA 98261
36 reviews
Vegetarian, Juice Bars & Smoothies, Soup
Homestead, Bldg C, Lopez Island, WA 98261
Vita’s Wildly Delicious
41 reviews
77 Village Rd, Lopez Island, WA 98261
Haven Kitchen & Bar
73 reviews
American (Traditional), Bars
9 Old Post Rd, Lopez Island, WA 98261