Lummi Island Motorcycle Insurance – Low Prices Insurance for Your Trike, Moped, Side x Sides, & Snowmobile

Immediate Evidence of Motorbike Insurance Coverage for You!

Are you searching for the most economical motorcycle insurance coverage in Lummi Island? You have actually found the ideal place. We have established longstanding relationships with top-rated motorbike insurance companies in order that we can find you the best rate. Whether your moytorcyle is a street bike, a touring bike, a cruiser, a custom chopper, and even a moped or scooter, your cycle is associated with liberty which brings excitement. But with this adventure comes uncertainty and considering that you never can forsee what is around the next corner, the ideal coverage can make sure you’re prepared for it.

The motorcycle coverage you want at a rate you can afford

Do you simply need the basic cycle insurance to get legal? We can assist! Are you enthusiastic about your bike? We can cover your motorcycle, your accessories, plus your riding gear. Picking the ideal coverage is like choosing the right bike. You want it to fit your needs and your way of life however 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 sure you discuss all your available options with a professional insurance agent at our office.

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

Terrible Cycle Crashes - VIDEO

Is Motorcycle Insurance Coverage Required in Washington State?

Cycle insurance coverage is required in Washington state as of July 2019. Washington state passed and the Governor signed a change eliminating the phrasing in the insurance coverage law excusing motorbikes from being forced to carry insurance.
If you cause an accident and don’t have insurance, you could put you and your family in monetary risk for the damage done to others. Whether the accident is your fault or not, medical costs and lost earnings for you and any occupants of your car could drive you to bankruptcy. Required or not, you want to have cycle insurance coverage so you can safeguard yourself from a liability suit or a reckless driver who hits you.
motorcycle, scooter, trike, moped, and ATV insurance in Lummi Island

What Motorcycle Insurance Should I Get?

There are 3 coverages every motorbike insurance policy should have: liability, uninsured motorist}, and medical protection.
  • Liability insurance coverage is the only coverage that Washington state requires you to have (effective July 2019). Liability coverage secures you if you’re found at fault for a crash where another individual is hurt or their property is harmed.
  • Uninsured Motorist is, probably, the most essential insurance coverage and is listed second simply because you can not get it without first getting liability. With uninsured motorist, your insurance provider covers you and any others in your car as if they are the uninsured chauffeur’s insurance provider.In their October 2017 report, the Insurance Research Council reported that 17.4% of Washington drivers are uninsured.
  • Medical payments is an optional coverage and pays for any required medical treatment for you and any passengers up to the coverage amount you select. This can be crucial if you do not have health insurance to cover your medical expenses or you have a high-deductible health plan.
You may be shocked that comprehensive & collision (aka full coverage) are not on this list. These coverages are typically required by lending institutions if you secure a loan to purchase your cycle. Yes, this protection is extremely essential to the bank however the 3 protections above are much more most likely to keep you from insolvency in case of an accident. Let’s face it. All motorcyclists are at the mercy of other drivers. This is not a video game where you can reset the game and start over. If you get hit, you may be hospitalized for months. Riding safe entails using the right protective equipment. If you take your safety and the financial security of your loved ones seriously, then insurance must be seen as protective equipment.
motorcycle, trike, moped, scooter, and ATV insurance in Lummi Island

Can I Insure My Cruiser?

Yes! If your bike 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 Lummi Island

What is Broad Form Motorcycle Insurance Coverage?

Broad Form Motorbike Insurance Coverage is designed to give the policy owner liability protection regardless of what motorbike they might ride. Comprehensive and collision protections (aka “full coverage”) that would pay to fix the bike in the event of a collision, theft, or vandalism can not be included in a cycle broadform plan however Uninsured Motorist and also Medical can be added. If you respond Yes to these 3 sentences, then Broad Form Bike Insurance policy may simply be a good fit for you. 1. You own or ride multiple motorcycles. 2. You are the just one that ever rides your motorbikes. 3. You don’t need “full coverage” on any one of your motorcycles.
motorbike, scooter, moped, trike, and 4-wheeler insurance in Lummi Island

Just How Much Does Motorbike Insurance Coverage Cost?

Cycle insurance coverage can cost you less than $200 per year or be greater than $2000 each year depending on 6 major variables: your age, your driving history, your motorcycle, your zip code, your chosen insurance coverages, as well as the discounts for which you qualify.
  • Your Age: Statistics tell the insurer that if you are under 25 you are more probable to have a wreck than if you are 30+.
  • Your Driving History: If you have received speeding tickets or have been involved in an accident in the last few years, then your chances of having another crash are higher.
  • Your Bike: Certain cycles seem to entice negligent cyclists.
  • Your Home Address: Crowded, urban areas also increase your chances of being involved in a wreck.
  • Your Coverages: Clearly, if you choose better insurance coverages your price will be increased but much like when you purchase the larger package at the supermarket, you also wind up paying less per $1,000 of insurance coverage. Doubling your liability insurance coverage from $25,000 per person to $50,000 per person will not double the price 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 cycle, Multiple policy, Claim-free, Safety course, Paid-in-full, Cycle association membership, and more.
motorbike, trike, scooter, moped, and 4-wheeler insurance in Lummi Island

What Company Has The Best Cycle Insurance Prices?

Motorbike insurance is not “One Size Fits All”. The very best motorbike insurance company for you will feature a policy that aligns 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 insurers to discover the best match for you. Whether that’s coverage for a customized 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 just get one quote from their brand. Each insurer we represent, Progressive, Safeco, Dairyland, and Foremost, has various specialties giving you options when you are shopping. Some of our insurance companies even provide an automobile & cycle insurance bundle discount, saving money on both policies. This is an excellent method to save money on your motorcycle insurance coverage.
motorcycle, trike, moped, scooter, and ATV insurance in Lummi Island

Motorbike Insurance for New Riders

Purchasing your first cycle is a dream come true. Whether you are looking for motorcycle insurance as a 19 year old or have finally saved up enough to purchase your first cycle or ATV/UTV, we can get you the best motorbike insurance coverage. As a new rider, you have less experience so insurance providers figure you are more likely to be in an accident and for that reason will need you to pay more. Keep your record spotless and avoid getting in any crashes and you should see your rate drop as you acquire experience.
motorbike, scooter, moped, trike, and 4-wheeler insurance in Lummi Island

About Lummi Island

Lummi Island lies at the southwest corner of Whatcom County, Washington, United States, between the mainland part of the county and offshore San Juan County. The Lummi Indian Reservation is situated on a peninsula east of the island, but does not include Lummi Island. The island has a land area of 23.97 square kilometres (9.25 square miles) and had a population of 822 as of the 2000 census. The population nearly doubles in summer when property owners from both Canada and the U.S. arrive for summer fun and relaxation.

The island is accessible by a 22-car ferry, the Whatcom Chief, run by Whatcom County Public Works. It is a 6-minute passage from Gooseberry Point on the mainland to the island. Facilities on the island include one general store, two restaurants, several bed and breakfast houses, a small library, post office, fire station, one church, a Salvation Army camp, and a vintage 1919 elementary school. The Beach Store Cafe is a popular local hangout with a small bar, and serves seafood and traditional café fare. The Willows Inn serves more expensive fare, featuring seasonal treats from island farms and fishers. The historic Lummi Island Congregational Church has a quiet, wooded cemetery. Lummi Island is best known for its unique reefnet salmon fishery, eclectic population of artists, picturesque seascapes, and rural setting. Its narrow, scenic and winding roads are popular with bicyclers. A trail to Lummi Mountain takes hikers through the Baker Preserve to stunning high views of the San Juan and Gulf islands. The trail is maintained by the Lummi Island Heritage Trust.

Public education for island residents is provided by the Ferndale School District. It operates one elementary school (K-5) on the island, Beach Elementary School. Middle and high school students attend schools on the mainland.

Source: Lummi Island, Washington in Wikipedia

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Best Motorcycle Repair & Gear Near Lummi Island

Champion Cycle
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615 W Holly St, Bellingham, WA 98225
Pacific NW Motorcycles
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Cycle Gear
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Top Places to See Near Lummi Island

The Willows Inn on Lummi Island
180 reviews
Hotels, Bed & Breakfast, American (New)
2579 W Shore Dr, Lummi Island, WA 98262
Beach Store Cafe
55 reviews
Seafood, Breakfast & Brunch, Pizza
2200 N Nugent Rd, Lummi Island, WA 98262
The SauseBurger Stand
16 reviews
Burgers, Breakfast & Brunch, Seafood
2106 S Nugent Rd, Lummi Island, WA 98262
Doe Bay Cafe
159 reviews
107 Doe Bay Rd, Orcas Island, WA 98279