Pierce County Motorcycle Insurance – Best Prices Insurance for Your Bike, Moped, Side x Sides, & Snowmobile

Immediate Evidence of Motorcycle Insurance Coverage!

Are you looking for the most inexpensive motorbike insurance coverage in Pierce County? You have found the best agency. We have cultivated longstanding partnerships with outstanding cycle insurance providers so that we can find you the best rate. Whether your moytorcyle is a street bike, a touring bike, a cruiser, a custom chopper, or even a moped or scooter, your bike is synonymous with freedom which brings excitement. However with this adventure comes uncertainty and because you never know what is around the next corner, the best coverage can make sure you’re ready for it.

The motorcycle protection you desire at a price you can handle

Do you just require the cheap motorbike insurance to be legal? We can assist! Are you passionate about your motorcycle? We can cover your motorcycle, your accessories, plus your riding gear. Selecting the right protection is similar to selecting the ideal bike. You want it to fit your needs and your way of life however likewise to be within your budget. The state requires you carry a minimal amount of liability protection but greater limits are available and extra protections are suggested. Make certain you discuss all the available choices with a professional agent at Mid-Columbia Insurance.

Listed below is everything you need to understand to get the very best rate on your motorcycle insurance:

Scary Motorcycle Wrecks - VIDEO

Is Cycle Insurance Required in Washington State?

Cycle insurance coverage is needed in Washington state since July 2019. Washington state passed and the Governor signed an amendment getting rid of the wording in the insurance coverage law exempting motorcycles from being required to have insurance.
If you cause an accident and don’t have insurance coverage, you could put you and your loved ones in financial danger for the damage done to others. Whether the crash is your fault or not, medical costs and lost income for you and any occupants of your car could drive you to insolvency. Mandated or not, you would want to have cycle insurance so you can protect yourself from a liability lawsuit or a reckless motorist who hits you.
motorcycle, scooter, moped, trike, and 4-wheeler insurance in Pierce County

What Cycle Insurance Should I Get?

There are three insurance coverages every motorbike insurance plan ought to have: liability, uninsured motorist}, and medical.
  • Liability insurance is the only coverage 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 individual is injured or their property is damaged.
  • Uninsured Motorist is, probably, the most important insurance coverage and is listed second only because you can not get it without buying liability. With uninsured motorist, your insurer covers you and any others in your car as if they were 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 required medical treatment for you and any others in your car up to the coverage amount you choose. 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 may be amazed that comprehensive & collision (aka full coverage) are not on this list. These protections are frequently mandated by lending institutions if you take out 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 personal bankruptcy 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 struck, you might be hospitalized for months. Riding safe entails using the right protective gear. If you take your safety and the financial security of your loved ones seriously, then insurance must be viewed like protective gear.
motorbike, trike, moped, scooter, and 4-wheeler insurance in Pierce County

Can You Insure My ATV?

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, scooter, moped, and 4-wheeler insurance in Pierce County

What is a BroadForm Cycle Insurance Policy?

Broad Form Motorcycle Insurance Coverage is meant to supply the policy owner liability insurance coverage regardless of what motorbike they might ride. Comprehensive and collision protections (aka “full coverage”) that would pay to fix the bike in case of an accident, theft, or vandalism cannot be added to a cycle broadform plan but Uninsured Motorist as well as Medical can be added. If you answer Yes to these 3 statements, then Broad Form Bike Insurance policy might just be appropriate for you. 1. You own or ride a couple motorcycles. 2. You are the just one who at any time rides your motorcycles. 3. You do not need “full coverage” on any of your bikes.
motorcycle, scooter, moped, trike, and 4-wheeler insurance in Pierce County

Just How Much Does Cycle Insurance Cost?

A Motorcycle insurance policy can cost you less than $200 per year or be greater than $2000 annually depending on six significant variables: your age, your driving history, your cycle, your zip code, your chosen insurance coverages, as well as the discounts you qualify for.
  • Your Age: Statistics inform the insurance provider that if you are under 25 you are more probable to have a crash than if you happen to be 30+.
  • Your Driving History: If you have accumulated speeding tickets or have already had a wreck in the last few years, then your probabilities of having another accident are higher.
  • Your Cycle: Particular cycles appear to entice negligent cyclists.
  • Your Home Address: Clogged, urban areas also increase your chances of being in a wreck.
  • Your Coverages: Naturally, if you buy added insurance coverages your rate will be higher but just like when you purchase the bigger package at the grocery store, you also end up paying less per $1,000 of insurance coverage. Increasing your liability protection from $25,000 per person to $50,000 per person would not double the price however probably elevate it less than 20%.
  • Your Discounts: Every insurer offers 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 motorcycle, Multiple policy, Claim-free, Safety training course, Paid-in-full, Motorcycle association membership, and more.
motorcycle, moped, trike, scooter, and ATV insurance in Pierce County

Who Has The Very Best Cycle Insurance Rates?

Cycle insurance is not “One Size Fits All”. The best motorcycle insurance company for you will feature a policy that lines up with your specific needs. One call to us will get you all the quotes you require. As an independent agent, we quote you with numerous cycle insurance companies to find the best match for you. Whether that’s coverage for a customized motorcycle or just 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 only get one quote from their brand. Each company we represent, Progressive, Safeco, Dairyland, and Foremost, has different specialties providing you alternatives when you are hunting. Some of our motorcycle insurance providers even use a car & motorcycle insurance package discount, saving money on both policies. This is an excellent method to save money on your motorbike insurance coverage.
motorbike, moped, trike, scooter, and ATV insurance in Pierce County

Motorbike Insurance for New Riders

Buying your first cycle is a dream come true. Whether you are looking for motorcycle insurance coverage as a 18 year old or have at last saved up enough to buy your first motorbike or ATV/UTV, we can get you affordable motorbike insurance. As a 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 accidents and you will see your rate drop as you acquire experience.
motorbike, trike, moped, scooter, and ATV insurance in Pierce County

About Pierce County

Pierce County is a county in the U.S. state of Washington. As of the 2010 Census, the population was 795,225, making it the second-most populous county in Washington behind King County, and the 61st-most populous in the United States. The county seat and largest city is Tacoma. Formed out of Thurston County on December 22, 1852, by the legislature of Oregon Territory, it was named for U.S. President Franklin Pierce. Pierce County is in the Seattle metropolitan area (formally the Seattle-Tacoma-Bellevue, WA metropolitan statistical area).

Pierce County is home to Mount Rainier, the tallest mountain and a volcano in the Cascade Range. Its most recent recorded eruption was between 1820 and 1854. There is no imminent risk of eruption, but geologists expect that the volcano will erupt again. If this should happen, parts of Pierce County and the Puyallup Valley would be at risk from lahars, lava, or pyroclastic flows. The Mount Rainier Volcano Lahar Warning System was established in 1998 to assist in the evacuation of the Puyallup River valley in case of eruption.

According to the U.S. Census Bureau, the county has a total area of 1,806 square miles (4,680 km2), of which 1,670 square miles (4,300 km2) is land and 137 square miles (350 km2) (7.6%) is water. The highest natural point in Washington, Mount Rainier at 14,410 feet (4,392 m), is located in Pierce County.

Source: Pierce County, Washington in Wikipedia

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Best Cycle Repair & Gear Near Pierce County

PNW Powersports
1 review
Motorcycle Gear, Motorcycle Repair, Auto Parts & Supplies
1713 Garrett St, Ste 1, Enumclaw, WA 98022
American Custom Cycle
1 review
Motorcycle Dealers
29304 State Route 410 E, Buckley, WA 98321
KFG Motorsports
20 reviews
Motorcycle Repair, Motorcycle Dealers, Motorcycle Gear
232 C St NW, Auburn, WA 98001
410 Moto
3 reviews
Motorcycle Repair, Motorsport Vehicle Repairs
24040 State Rt 410, Ste H, Buckley, WA 98321

Best Places to Visit Near Pierce County

The Carlson Block
53 reviews
Pizza, Salad, Tapas/Small Plates
531 Church St, Wilkeson, WA 98396
Nomad PNW
35 reviews
Coffee & Tea, Desserts, Empanadas
529 Church St, Wilkeson, WA 98396
Tim’s Kitchen
160 reviews
American (Traditional), Salad, Comfort Food
114 Washington Ave S, Orting, WA 98360
Sumalee’s Thai Cuisine
218 reviews
20831 WA-410, Bonney Lake, WA 98391