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Lynden Motorcycle Insurance – Affordable Rates Insure Your Bike, Moped, ATV, & Snowmachine

Instant Evidence of Motorcycle Insurance!

Are you searching for the cheapest cycle insurance coverage in Lynden? You have actually found the best agency. We have cultivated longstanding relationships with outstanding cycle insurance providers so that we can find you the very best rate. Whether your ride is a street bike, a touring bike, a cruiser, a customized chopper, or even a moped or scooter, your bike is associated with flexibility which brings excitement. But with this adventure comes uncertainty and because you never know what lies over the next hill, the right coverage will make sure you’re ready for it.

The motorcycle protection you want at a cost you can manage

Do you just need the cheap cycle insurance to get legal? We can assist! Are you passionate about your bike? We can cover your bike, your accessories, plus your riding gear. Picking the right coverage is like 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 carry a minimal level of liability coverage yet greater limits are available and additional coverages are recommended. Make certain you talk about all the readily available options with a professional insurance agent at Mid-Columbia Insurance.

Listed below is all you must know to get the very best rate on your motorcycle insurance coverage:

Crazy Motorcycle Crashes - VIDEO

Is Cycle Insurance Mandated in Washington State?

Motorcycle insurance coverage is needed in Washington state as of July 2019. Washington state passed and the Governor signed an amendment eliminating the wording in the insurance law exempting motorbikes from being forced to carry insurance coverage.
If you cause a crash and do not have insurance, you might put you and your loved ones in financial danger for the damage done to others. Also, whether the crash is your fault or not, medical bills and lost income for you and any occupants of your car could drive you to personal bankruptcy. Mandated or not, you want to have cycle insurance so you can secure yourself from a liability claim or a careless driver who hits you.
motorcycle, moped, scooter, trike, and ATV insurance in Lynden

What Cycle Insurance Should I Get?

There are three coverages every bike insurance policy needs to have: liability, uninsured motorist}, and medical coverage.
  • Liability insurance coverage is the only protection that Washington state requires you to have (effective July 2019). Liability insurance protects you if you’re found at fault for an accident where another person is injured or their property is harmed.
  • Uninsured Motorist is, probably, the most crucial insurance protection and is listed second only because you can not buy it without first getting liability. With uninsured motorist, your insurance company covers you and any passengers 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 protection is an optional coverage and pays for any required medical treatment for you and any others in your car up to the coverage amount you choose. This can be important if you don’t 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 mandated by lenders if you get a loan to purchase your cycle. So yes, this coverage is extremely important to the bank however the 3 protections above are far more likely to keep you from 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 struck, you may be hospitalized for months. Riding safe means using the right protective gear. If you take your safety and the financial security of your family seriously, then insurance must be viewed like protective equipment.
cycle, scooter, moped, trike, and 4-wheeler insurance in Lynden

Can I Insure My Scooter?

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

What is BroadForm Cycle Insurance?

Broad Form Motorbike Insurance is designed to provide the policy owner liability insurance coverage regardless of what cycle they might ride. Comprehensive and also collision coverages (aka “full coverage”) that would pay to take care of the bike in the event of an accident, theft, or vandalism cannot be included in a motorcycle broadform policy yet Uninsured Motorist and Medical can be included. If you respond Yes to these 3 statements, then Broad Form Motorcycle Insurance policy might simply be perfect for you. 1. You have or ride several motorbikes. 2. You are the only one that at any time rides your cycles. 3. You do not require “full coverage” on any of your cycles.
cycle, scooter, trike, moped, and ATV insurance in Lynden

Just How Much Does Cycle Insurance Cost?

A Cycle 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 coverages, and the discounts you qualify for.
  • Your Age: Statistics inform the insurer that if you are under 25 you are more likely to have an accident than if you happen to be 30+.
  • Your Driving Record: If you have collected speeding tickets or have already had an accident in the last few years, then your odds of having another accident are greater.
  • Your Motorcycle: Some motorbikes seem to entice careless motorcyclists.
  • Your Home Address: Clogged, metropolitan areas also boost your possibilities of being involved in a crash.
  • Your Insurance Coverages: Obviously, if you choose extra insurance coverages your price is going to be more but just like when you purchase the bigger package at the grocery store, you likewise wind up paying less per $1,000 of insurance coverage. Doubling your liability coverage from $25,000 per person to $50,000 per person will not double the cost yet possibly elevate it less than 20%.
  • Your Discounts: Every insurance company gives 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 motorcycle, Multiple policy, Claim-free, Safety course, Paid-in-full, Cycle association membership, and more.
cycle, moped, scooter, trike, and ATV insurance in Lynden

What Company Has The Very Best Cycle Insurance Rates?

Cycle insurance is not “One Size Fits All”. The very best motorcycle insurer for you will provide a policy that lines up with your specific requirements. One call to us will get you all the quotes you require. As an independent agent, we quote you with several motorcycle insurance providers to find the best match for you. Whether that’s coverage for a customized motorcycle or simply the minimum Washington state requirements so you are legal. If you call any 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 carry, Progressive, Safeco, Dairyland, and Foremost, has different specialties giving you options when you are shopping. A few of our motorcycle insurance companies even offer an automobile & motorcycle insurance bundle discount, marking down both policies. This is an excellent method to save cash on your motorcycle insurance coverage.
cycle, scooter, trike, moped, and ATV insurance in Lynden

Motorcycle Insurance Coverage for New Riders

Buying your very first cycle is a dream come true. Whether you are trying to find motorbike insurance as a 20 year old or have actually at last saved up enough to buy your very first motorcycle or ATV/UTV, we can get you low-cost cycle insurance. As a brand-new rider, you have less experience so insurers figure you are most likely to be in a crash and therefore will require you to pay more. Keep your record spotless and don’t get in any accidents and you ought to see your rate drop as you get experience.
motorcycle, moped, scooter, trike, and 4-wheeler insurance in Lynden

About Lynden

Lynden is the second largest city in Whatcom County, Washington, United States. It is 15 miles (24 km) north of Bellingham and approximately 5 miles (8.0 km) south of the Canada–US border. The city was established in 1874 near the site of the Nooksack Indian village Squahalish (Nooksack: Sqwehálich).

The city is located along the Nooksack River and State Route 539. The population of Lynden is about 14,259 according to the United States Census Bureau. Lynden is also home to the Northwest Washington Fair.

Lynden was begun in 1871 and established in 1874 by Holden and Phoebe Judson near the site of the Nooksack Indian village Squahalish (Nooksack: Sqwehálich). It was named by Phoebe Judson after the riverside town in Hohenlinden, a poem by Thomas Campbell, stating:

Source: Lynden, Washington in Wikipedia

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