Mercer Island Motorcycle Insurance – Affordable Prices Insure Your Bike, Scooter, Side x Sides, & Snowmobile

Instant Evidence of Cycle Insurance for You!

Are you looking for the cheapest cycle insurance coverage in Mercer Island? You have found the best agency. We have established longstanding relationships with outstanding motorcycle insurance companies in order that we can find you the best rate. Whether your cycle is a street bike, a touring bike, a cruiser, a custom chopper, or even a moped or scooter, your ride is synonymous with freedom which brings enjoyment. However with this adventure comes uncertainty and since you never can forsee what is around the next corner, the ideal coverage can ensure you’re prepared for it.

The motorbike coverage you desire at a price you can handle

Do you just require the inexpensive motorcycle insurance to be legal? We can assist! Are you enthusiastic about your bike? We can cover your motorbike, your accessories, and even your riding gear. Choosing the right protection is similar to picking the ideal bike. You want it to fit your needs and your lifestyle but also to be within your budget. The state mandates you have a minimal amount of liability protection yet higher levels are available and extra coverages are suggested. Ensure you discuss all the readily available options with a trained agent at Mid-Columbia Insurance.

Below is everything you must know to get the very best price on your cycle insurance:

Scary Motorcycle Accidents - VIDEO

Is Cycle Insurance Coverage Mandated in Washington State?

Cycle insurance is required in Washington state since July 2019. Washington state passed and the Governor signed a modification getting rid of the phrasing in the insurance coverage law exempting motorbikes from being required to have insurance coverage.
If you trigger an accident and don’t have insurance, you could put you and your loved ones in financial danger for the damage caused to others. Likewise, whether the crash is your fault or not, medical expenses and lost income for you and any passengers might drive you to personal bankruptcy. Required or not, you want to have motorcycle insurance so you can secure yourself from a liability claim or an irresponsible driver who crashes into you.
cycle, moped, trike, scooter, and ATV insurance in Mercer Island

What Motorcycle Insurance Coverage Should I Get?

There are three insurance coverages every bike insurance policy should have: liability, uninsured motorist}, and medical.
  • Liability insurance is the only protection that Washington state mandates you to carry (effective July 2019). Liability insurance protects you if you’re discovered at fault for a crash where another individual is injured or their property is harmed.
  • Uninsured Motorist is, probably, the most important insurance protection and is listed second only because you can not buy it without first getting liability. With uninsured motorist, your insurer 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 coverage and pays for any needed medical treatment for you and any passengers up to the coverage amount you select. This can be essential if you do not have medical insurance to cover your medical expenses or you have a high-deductible health insurance.
You might be surprised that comprehensive & collision (aka full coverage) are not on this list. These coverages are typically required by lending institutions if you take out a loan to purchase your bike. So yes, this protection is very essential to the bank but the three protections above are much 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 motorists. 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 best protective gear. If you take your safety and the financial safety of your loved ones seriously, then insurance coverage must be viewed as protective equipment.
motorbike, trike, moped, scooter, and 4-wheeler insurance in Mercer Island

Can I Insure My Moped?

Yes! If your bike 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?
cycle, moped, scooter, trike, and ATV insurance in Mercer Island

What is Broad Form Motorbike Insurance?

BroadForm Cycle Insurance Coverage is designed to give the policy owner liability insurance whatever motorcycle they might ride. Comprehensive as well as collision insurance coverages (also known as “full coverage”) that would pay to take care of the bike in case of a collision, theft, or vandalism can not be added to a cycle broadform policy however Uninsured Motorist and also Medical can be added. If you answer Yes to these 3 sentences, then Broad Form Motorcycle Insurance might just be ideal for you. 1. You own or ride numerous motorcycles. 2. You are the only one who at any time rides your bikes. 3. You don’t require “full coverage” on any of your motorbikes.
cycle, trike, scooter, moped, and ATV insurance in Mercer Island

How Much Does Motorbike Insurance Cost?

Motorcycle insurance can cost you less than $200 annually or be greater than $2000 yearly depending upon 6 significant elements: your age, your driving history, your motorbike, your home town, your chosen coverages, and the discounts you qualify for.
  • Your Age: Stats inform the insurer that if you are under 25 you are more probable to be involved in an accident than if you are 30+.
  • Your Driving Record: If you have received speeding tickets or have already had a wreck in the last few years, then your chances of having another wreck are greater.
  • Your Bike: Particular motorcycles appear to entice reckless motorcyclists.
  • Your Garaging Address: Crowded, urban areas also boost your possibilities of being involved in an accident.
  • Your Insurance Coverages: Of course, if you purchase better insurance coverages your price will be increased however similar to when you buy the bigger 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 would not double the cost yet most likely elevate it less than 20%.
  • Your Discounts: Every insurer 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 motorcycle, Multiple policy, Claim-free, Safety course, Paid-in-full, Motorcycle organization membership, and more.
motorcycle, scooter, trike, moped, and 4-wheeler insurance in Mercer Island

What Company Has The Best Cycle Insurance Quotes?

Cycle insurance is not “One Size Fits All”. The very best cycle 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 need. As an independent agent, we quote you with multiple motorcycle insurance companies to find the 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 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 hunting. A few of our insurance companies even offer an automobile & motorcycle insurance bundle discount, saving money on both policies. This is a great method to save money on your cycle insurance coverage.
motorbike, scooter, moped, trike, and ATV insurance in Mercer Island

Cycle Insurance Coverage for New Riders

Buying your first motorbike can be a dream come true. Whether you are trying to find motorcycle insurance coverage as a 20 year old or have at last saved up enough to purchase your first motorcycle or ATV/UTV, we can get you the best motorcycle insurance. As a new rider, you have less experience so insurance providers figure you are more likely to be involved in a crash and therefore will make you pay more. Keep your driving record clean and avoid getting in any crashes and you will see your rate drop as you get experience.
motorbike, trike, scooter, moped, and 4-wheeler insurance in Mercer Island

About Mercer Island

Mercer Island is a city in King County, Washington, United States, located on an island of the same name in the southern portion of Lake Washington. Mercer Island is in the Seattle Metropolitan Area, with Seattle to its west and Bellevue to its east.

Mercer Island is connected to the mainland on both sides by bridges carrying Interstate 90. The Lacey V. Murrow Memorial Bridge and the parallel Homer M. Hadley Memorial Bridge are floating bridges that span Lake Washington and carry, respectively, eastbound and westbound lanes of Interstate 90 and connect Mercer Island to the northern portion of Seattle’s South End. I-90 traverses the northern portion of Mercer Island and is then carried from the island to Bellevue over the East Channel of Lake Washington by the East Channel Bridge. Mercer Island is located closer to Bellevue than it is to Seattle, and is therefore often considered to be part of King County’s Eastside.

The population was 22,699 at the 2010 census and an estimated 25,894 in 2019. Mercer Island is the most populated island in a lake within the United States.[better source needed] The ZIP code 98040 is unique to Mercer Island. Mercer Island has the fifth highest per-capita income in the state of Washington and is one of the 100 richest ZIP codes in the USA according to the IRS figures for Adjusted Gross Income.

Source: Mercer Island, Washington in Wikipedia

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