Prescott Motorcycle Insurance – Affordable Rates Insure Your Bike, Scooter, ATV, & Snowmachine

Instant Proof of Cycle Insurance Coverage for You!

Are you searching for the most inexpensive motorcycle insurance coverage in Prescott? You have actually found the best agency. We have developed longstanding partnerships with top-rated motorbike insurance providers in order that we can find you the very best rate. Whether your cycle is a street bike, a touring bike, a cruiser, a custom-made chopper, or even a moped or scooter, your ride is associated with liberty which brings excitement. But with this adventure comes unpredictability and given that you never ever can forsee what is around the next corner, the right coverage can ensure you’re prepared for it.

The motorcycle coverage you desire at a price you can handle

Do you just need the general motorcycle insurance to get legal? We can help! Are you enthusiastic about your cycle? We can cover your bike, your accessories, and even your riding gear. Picking the ideal protection is like 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 coverage yet higher limits are available and additional coverages are advised. Make sure you go over all the offered options with a professional insurance agent at Mid-Columbia Insurance.

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

Bad Cycle Accidents - VIDEO

Is Motorbike Insurance Required in Washington State?

Motorcycle insurance is required in Washington state since July 2019. Washington state passed and the Governor signed a modification eliminating the wording in the insurance coverage law excusing motorbikes from being forced to have insurance coverage.
If you cause a crash and don’t have insurance coverage, you could put you and your family in monetary risk for the damage done to others. Whether the crash is your fault or not, medical costs and lost wages for you and any occupants of your car could drive you to personal bankruptcy. Required or not, you would want to have cycle insurance so you can protect yourself from a liability suit or a reckless driver who hits you.
cycle, moped, trike, scooter, and ATV insurance in Prescott

What Motorcycle Insurance Should I Get?

There are three coverages every motorcycle insurance plan needs to have: liability, uninsured motorist}, and medical.
  • Liability insurance coverage is the only coverage that Washington state requires you to carry (effective July 2019). Liability insurance safeguards you if you are discovered at fault for a crash where another individual is hurt or their property is harmed.
  • Uninsured Motorist is, probably, the most crucial insurance protection and is listed second only due to the fact that you can not purchase it without buying liability. With uninsured motorist, your insurance company covers you and any others in your car as if they are the uninsured motorist’s insurance company.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 pays for any required medical treatment for you and any passengers up to the coverage amount you pick. This can be important if you don’t have medical insurance to cover your medical costs or you have a high-deductible health insurance.
You might be shocked that comprehensive & collision (aka full coverage) are not on this list. These protections are often mandated by lending institutions if you secure a loan to purchase your motorbike. Yes, this coverage is extremely important to the bank but the 3 protections above are much more most likely to keep you from bankruptcy in the event of an accident. 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 hit, you may be hospitalized for months. Riding safe means using the best protective gear. If you take your safety and the financial safety of your loved ones seriously, then insurance ought to be seen as protective gear.
motorcycle, moped, scooter, trike, and ATV insurance in Prescott

Can I Insure My ATV?

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, scooter, moped, trike, and 4-wheeler insurance in Prescott

What is Broad Form Cycle Insurance?

Broad Form Cycle Insurance Coverage is meant to offer the policy owner liability insurance coverage regardless of what motorbike they might ride. Comprehensive as well as collision insurance coverages (also known as “full coverage”) that would pay to deal with the bike in the event of a crash, theft, or vandalism can not be included in a motorcycle broadform policy yet Uninsured Motorist and Medical can be included. If you answer Yes to these three statements, then Broad Form Motorbike Insurance may simply be a good fit for you. 1. You own or ride a number of bikes. 2. You are the just one who at any time rides your motorbikes. 3. You don’t require “full coverage” on any of your cycles.
cycle, trike, scooter, moped, and 4-wheeler insurance in Prescott

How Much Does Cycle Insurance Coverage Cost?

A Motorbike insurance policy can cost you less than $200 annually or be more than $2000 annually depending on 6 significant factors: your age, your driving record, your motorcycle, your hometown, your selected insurance coverages, and the discounts for which you qualify.
  • Your Age: Stats tell the insurance provider that if you are under 25 you are more probable to be involved in a crash than if you are 30+.
  • Your Driving Record: If you have received speeding tickets or have been involved in a wreck in the last few years, then your chances of having another accident are higher.
  • Your Motorbike: Certain motorcycles appear to encourage careless bikers.
  • Your Garaging Address: Crowded, urban areas also increase your possibilities of being involved in an accident.
  • Your Insurance Coverages: Clearly, if you choose extra insurance coverages your price will be higher but just like when you purchase the bigger package at the grocery store, you likewise end up paying less per $1,000 of insurance. Increasing your liability protection from $25,000 per person to $50,000 per person would not double the cost however most likely elevate it less than 20%.
  • Your Discounts: Every insurance company gives 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 training course, Paid-in-full, Cycle association membership, and more.
cycle, scooter, trike, moped, and 4-wheeler insurance in Prescott

Who Has The Best Cycle Insurance Quotes?

Motorcycle insurance coverage is not “One Size Fits All”. The very best cycle insurance provider for you will offer a policy that aligns 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 insurers to find the very 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’ providers such as State Farm, Allstate, Farmers, Geico, or Markel, you only get one quote from their brand. Each insurer we represent, Progressive, Safeco, Dairyland, and Foremost, has different specialties providing you options when you are hunting. A few of our motorcycle insurance companies even offer a car & motorcycle insurance bundle discount, saving money on both policies. This is a fantastic method to save money on your cycle insurance policy.
motorcycle, trike, scooter, moped, and 4-wheeler insurance in Prescott

Cycle Insurance Coverage for New Riders

Buying your first cycle is a dream come true. Whether you are searching for motorbike insurance coverage as a 21 year old or have at last saved up enough to buy your first cycle or ATV/UTV, we can get you low-cost motorbike insurance coverage. As a new rider, you have less experience so insurance providers figure you are more likely to be involved in a crash and because of this will need you to pay more. Keep your record clean and don’t get in any accidents and you will see your rate drop as you acquire experience.
cycle, scooter, trike, moped, and 4-wheeler insurance in Prescott

About Prescott

Prescott is a city in central Walla Walla County, Washington. The population was 318 at the 2010 census.

A post office called Prescott has been in operation since 1881. The city was named after C.H. Prescott, a railroad official.

Prescott was officially incorporated on March 13, 1903.

Source: Prescott, Washington in Wikipedia

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Best Motorcycle Repair & Gear Near Prescott

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