Mossyrock Motorcycle Insurance – Affordable Rates Insurance for Your Cycle, Scooter, ATV, & Snowmobile

Instant Proof of Motorbike Insurance Coverage!

Are you searching for the most affordable motorbike insurance coverage in Mossyrock? You have found the ideal agency. We have cultivated longstanding relationships with top-rated cycle insurance providers so that we can find you the very best rate. Whether your moytorcyle is a street bike, a touring bike, a cruiser, a custom-made chopper, and even a moped or scooter, your ride is associated with liberty which brings excitement. However with this adventure comes uncertainty and since you never know what is around the next corner, the best protection will ensure you’re prepared for it.

The cycle protection you want at a price you can afford

Do you just need the basic cycle insurance to get legal? We can help! Are you passionate about your motorbike? We can cover your cycle, your accessories, and even your riding gear. Picking the ideal protection is like picking the best bike. You want it to fit your needs and your lifestyle however likewise to be within your budget. The state requires you have a minimal level of liability protection but higher levels are available and other protections are recommended. Make certain you discuss all the available alternatives with a licensed insurance agent at Mid-Columbia Insurance.

Below is all you need to understand to get the best rate on your cycle insurance:

Terrible Cycle Wrecks - VIDEO

Is Motorcycle Insurance Coverage Mandated in Washington State?

Motorcycle insurance is required in Washington state as of July 2019. Washington state passed and the Governor signed an amendment getting rid of the wording in the insurance coverage law excusing motorbike owners from being required to carry insurance coverage.
If you cause an accident and do not have insurance coverage, you might put you and your family in monetary risk for the damage caused to others. Whether the accident is your fault or not, medical bills and lost earnings for you and any passengers could drive you to insolvency. Mandated or not, you want to have motorcycle insurance so you can protect yourself from a liability suit or a reckless motorist who hits you.
motorcycle, scooter, trike, moped, and 4-wheeler insurance in Mossyrock

What Motorbike Insurance Coverage Should I Get?

There are three insurance coverages every motorcycle insurance plan ought to have: liability, uninsured motorist}, and medical coverage.
  • Liability insurance coverage is the only protection that Washington state mandates you to carry (effective July 2019). Liability coverage secures you if you’re found at fault for a crash where another person is injured or their property is damaged.
  • Uninsured Motorist is, arguably, the most essential insurance coverage and is listed second only because you can not purchase it without purchasing liability. With uninsured motorist, your insurer covers you and any passengers as if they are the uninsured motorist’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 protection and covers any required medical treatment for you and any others in your car up to the coverage amount you select. 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 shocked that comprehensive & collision (aka full coverage) are not on this list. These coverages are frequently mandated by lenders if you get a loan to purchase your bike. Yes, this coverage is extremely crucial to the bank but the three coverages above are much more likely to keep you from bankruptcy in case of an accident. Let’s face it. All motorcyclists are at the mercy of other motorists. This is not a video game where you can reset the game and start over. If you get struck, you might be hospitalized for months. Riding safe means wearing the best protective equipment. If you take your safety and the financial safety of your loved ones seriously, then insurance should be viewed as protective gear.
motorcycle, moped, trike, scooter, and ATV insurance in Mossyrock

Can You 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?
motorbike, trike, scooter, moped, and 4-wheeler insurance in Mossyrock

What is a Broad Form Motorbike Insurance Policy?

Broad Form Cycle Insurance is designed to give the policy owner liability insurance regardless of what motorbike they may ride. Comprehensive as well as collision coverages (aka “full coverage”) that would pay to deal with the bike in the event of a collision, theft, or vandalism cannot be included in a motorcycle broadform policy yet Uninsured Motorist as well as Medical can be added. If you respond Yes to these 3 statements, then Broad Form Motorbike Insurance policy might just be perfect for you. 1. You have or ride multiple cycles. 2. You are the only one that at any time rides your motorbikes. 3. You do not require “full coverage” on any one of your cycles.
motorbike, trike, scooter, moped, and 4-wheeler insurance in Mossyrock

Just How Much Does Cycle Insurance Coverage Cost?

Motorbike insurance coverage can cost you less than $200 annually or be more than $2000 each year depending on six major factors: your age, your driving record, your motorbike, your hometown, your chosen coverages, and the discounts for which you qualify.
  • Your Age: Stats inform the insurance provider that if you are under 25 you are more likely to be involved in a wreck than if you are 30+.
  • Your Driving History: If you have accumulated speeding tickets or have been involved in a crash in the last few years, then your chances of having another wreck are higher.
  • Your Motorbike: Certain cycles appear to entice negligent motorcyclists.
  • Your Home Address: Crowded, metropolitan areas also boost your chances of being involved in a wreck.
  • Your Insurance Coverages: Of course, if you buy added coverages your price 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 coverage from $25,000 per person to $50,000 per person would not double the cost but 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: Multiple cycle, Multiple policy, Claim-free, Safety training course, Paid-in-full, Cycle association membership, and others.
motorbike, trike, moped, scooter, and 4-wheeler insurance in Mossyrock

Who Has The Very Best Motorbike Insurance Rates?

Motorcycle insurance is not “One Size Fits All”. The very best cycle insurer for you will offer a policy that lines up with your particular requirements. One call to us will get you all the quotes you require. As an independent agent, we quote you with multiple motorcycle insurers to discover the best match for you. Whether that’s coverage for a custom motorcycle or just the minimum Washington state requirements so you are legal. If you call some of the ‘name brand’ providers 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 offering you options when you are hunting. A few of our insurers even provide an auto & cycle insurance package discount, marking down both policies. This is a great way to save cash on your motorbike insurance plan.
cycle, scooter, trike, moped, and ATV insurance in Mossyrock

Cycle Insurance Coverage for New Riders

Purchasing your first motorcycle is a dream come true. Whether you are looking for motorbike insurance as a 21 year old or have actually finally saved up enough to buy your very first motorbike or ATV/UTV, we can get you the best motorbike insurance coverage. As a new rider, you have less experience so insurers figure you are most likely to be involved in an accident and because of this will make you pay more. Keep your record spotless and don’t get in any wrecks and you will see your rate drop as you get experience.
motorcycle, trike, scooter, moped, and 4-wheeler insurance in Mossyrock

About Mossyrock

Mossyrock is a city in Lewis County, Washington, United States. The population was 759 at the 2010 census.

The city began as a trading post named Mossy Rock in 1852, after a 200-foot (61 m) high moss-covered rock at the east end of Klickitat Prairie. The Indian name for the area of Mossyrock was Coulph.

Mossyrock was officially incorporated on January 2, 1948.

Source: Mossyrock, Washington in Wikipedia

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Top Motorcycle Repair & Gear Near Mossyrock

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
Enfinity Towing
10 reviews
Towing, Roadside Assistance
4430 B St NW, Auburn, WA 98001

Best Places to See Near Mossyrock

Lemon Tree Cafe & Espresso
13 reviews
Coffee & Tea, Breakfast & Brunch, Sandwiches
122 E State St, Mossyrock, WA 98564
Pantry Cafe
28 reviews
American (Traditional), Cafes
238 E State St, Mossyrock, WA 98564
Pioneer Bar & Grill
45 reviews
American (Traditional), Bars, Burgers
148 State St, Mossyrock, WA 98564
Nacho’s Mexican Restaurant
4 reviews
100 E State St, Mossyrock, WA 98564