(509) 783-5600 [email protected]

Ritzville Motorcycle Insurance – Cheapest Prices Insure Your Bike, Moped, Side x Sides, & Snowmobile

Immediate Proof of Motorcycle Insurance Coverage!

Are you looking for the most cost effective motorbike insurance coverage in Ritzville? You have actually come to the right place. We have developed longstanding relationships with outstanding motorcycle 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 customized chopper, and 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 is around the next corner, the best protection will ensure you’re prepared for it.

The motorbike coverage you desire at a price you can manage

Do you simply need the inexpensive motorcycle insurance coverage to be legal? We can assist! Are you enthusiastic about your motorbike? We can cover your cycle, your accessories, and also your riding gear. Selecting the best protection is like choosing the ideal bike. You want it to fit your needs and your lifestyle however likewise to be within your budget. The state requires you carry a minimal amount of liability protection but higher levels are available and other coverages are advised. Make certain you discuss all the available alternatives with a licensed insurance agent at Mid-Columbia Insurance.

Listed below is all you need to understand to get the best rate on your bike insurance:

Terrible Motorcycle Accidents - VIDEO

Is Motorbike Insurance Coverage Mandated in Washington State?

Motorcycle insurance is required in Washington state since July 2019. The Washington state legislature passed and the Governor signed a change getting rid of the wording in the insurance coverage law excusing motorbikes from being required to carry insurance.
If you trigger an accident and don’t have insurance coverage, you might put you and your loved ones in financial danger for the damage caused to others. Also, whether the crash is your fault or not, medical expenses and lost income for you and any passengers might drive you to bankruptcy. Mandated or not, you would want to have motorbike insurance so you can safeguard yourself from a liability suit or an irresponsible driver who hits you.
cycle, trike, moped, scooter, and ATV insurance in Ritzville

What Motorcycle Insurance Coverage Should I Get?

There are 3 insurance coverages every cycle insurance policy should have: liability, uninsured motorist}, and medical protection.
  • Liability insurance coverage is the only protection that Washington state mandates you to have (effective July 2019). Liability coverage protects you if you’re discovered at fault for a crash where another individual is hurt or their property is damaged.
  • Uninsured Motorist is, arguably, the most essential insurance protection and is listed second simply due to the fact that you can not purchase it without purchasing liability. With uninsured motorist, your insurance provider covers you and any others in your car as if they were 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 coverage is an optional coverage and covers any required medical treatment for you and any passengers up to the coverage amount you pick. This can be crucial if you don’t have medical insurance to cover your medical expenses or you have a high-deductible health plan.
You may be shocked that comprehensive & collision (aka full coverage) are not on this list. These coverages are often required by loan providers if you secure a loan to buy your motorbike. So yes, this protection is really important 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 struck, you may be hospitalized for months. Riding safe entails using the best protective equipment. If you take your safety and the financial safety of your loved ones seriously, then insurance ought to be seen as protective gear.
cycle, trike, scooter, moped, and ATV insurance in Ritzville

Can I Insure My Collector Cycle?

Yes! If your cycle 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 Ritzville

What is a BroadForm Motorbike Insurance Policy?

BroadForm Motorbike Insurance Coverage is designed to offer the policy owner liability protection regardless of what cycle they might ride. Comprehensive as well as collision coverages (aka “full coverage”) that would pay to take care of the bike in the event of a collision, theft, or vandalism can not be added to a motorcycle broadform plan yet Uninsured Motorist as well as Medical can be included. If you respond Yes to these 3 statements, then Broad Form Cycle Insurance policy might be perfect for you. 1. You own or ride a couple cycles. 2. You are the only one that ever rides your motorcycles. 3. You do not require “full coverage” on any one of your motorbikes.
motorbike, trike, scooter, moped, and ATV insurance in Ritzville

Just How Much Does Motorbike Insurance Cost?

A Cycle insurance policy can cost you less than $200 per year or be greater than $2000 yearly depending on 6 major variables: your age, your driving record, your motorcycle, your hometown, your selected insurance coverages, and the discounts you qualify for.
  • Your Age: Statistics inform the insurance company that if you are under 25 you are more likely to be involved in a crash than if you happen to be 30+.
  • Your Driving Record: If you have accumulated speeding tickets or have been involved in an accident in the last couple years, then your odds of having another wreck are greater.
  • Your Motorbike: Certain cycles seem to encourage reckless bikers.
  • Your Garaging Address: Crowded, urban areas also escalate your chances of being in a crash.
  • Your Insurance Coverages: Of course, if you choose added insurance coverages your price will be higher however similar to when you purchase the bigger package at the supermarket, you also wind up paying less per $1,000 of insurance. For instance, increasing your liability insurance coverage from $25,000 per person to $50,000 per person would not double the cost but most likely raise 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 motorcycle, Multiple policy, Claim-free, Safety course, Paid-in-full, Cycle organization membership, and others.
cycle, trike, scooter, moped, and ATV insurance in Ritzville

What Company Has The Best Motorbike Insurance Quotes?

Cycle insurance coverage is not “One Size Fits All”. The best cycle insurance provider for you will provide a policy that lines up with your particular needs. One call to us will get you all the quotes you require. As an independent agent, we quote you with several cycle insurance companies to find the very best match for you. Whether that’s coverage for a customized motorbike 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 only get one quote from their brand. Each insurer we represent, Progressive, Safeco, Dairyland, and Foremost, has various specialties offering you alternatives when you are shopping. A few of our insurers even use a car & motorcycle insurance bundle discount, saving money on both policies. This is a great way to save cash on your motorbike insurance plan.
cycle, trike, scooter, moped, and 4-wheeler insurance in Ritzville

Motorcycle Insurance Coverage for New Riders

Purchasing your very first motorcycle can be a dream come true. Whether you are searching for cycle insurance as a 19 year old or have actually finally saved up enough to buy your 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 more likely to be in a crash and therefore will need you to pay more. Keep your driving record spotless and avoid getting in any accidents and you will see your rate drop as you acquire experience.
motorcycle, moped, trike, scooter, and 4-wheeler insurance in Ritzville

About Ritzville

Ritzville () is a city in Adams County, Washington, United States. The population was 1,673 at the 2010 census. It is the county seat of Adams County. The city is part of the Othello, WA Micropolitan Area, which comprises all of Adams County, and is part of the larger Moses Lake-Othello, WA Combined Statistical Area.

The first settler in what would become Ritzville was William McKay in 1880. The town would be named after Phillip Ritz, who had settled in the area two years earlier. By December 1880, Ritzville’s town-site had been platted by John W. Sprague on behalf of his company, The Northern Pacific Railway. In 1881, McKay built the first house on the townsite. The Northern Pacific grade was under construction in the vicinity and McKay’s home was used as a makeshift hotel for the workers and associated transients.

With the railroad came a new wave of settlers to the area. In the summer of 1881, McKay erected the first store and the railroad built a depot nearby, which also served as a hotel, theater and meeting hall. At that time the fledgeling village had a population of around 50 and the school consisted of a lean-to against a house. The town’s water supply was the railroad tank because it was not thought that water could be found in the ground. The first religious services were held in Adams County in Ritzville in April 1882 at the McKay Home and the First Congregational Church was soon organized, a church would be built in 1885. The post office was established in 1883 by J.L. Johnson of Walla Walla who also purchased McKay’s store. Soon afterwards, many more businesses would set up shop in town. As the 1880s wore on, the town was beginning to realize its position as a major wheat shipping point in the Big Bend Country and it continued to grow.

Source: Ritzville, Washington in Wikipedia

Pulled over one too many times?

We Work For You – The coverage you want at a price you can afford

Top Cycle Repair & Gear Near Ritzville

Top Things to Do Near Ritzville

Cow Creek Mercantile
113 reviews
Pizza, American (Traditional), Chocolatiers & Shops
1611 S Smitty’s Blvd, Ritzville, WA 99169
Mi Jalisco
18 reviews
214 W Main St, Ritzville, WA 99169
The Ritz Roadhouse
122 reviews
American (Traditional), Breakfast & Brunch
1604 S Smittys Blvd, Ritzville, WA 99169
Pastime Bar & Grill
13 reviews
Sports Bars, American (Traditional), Chicken Wings
119 W Main Ave, Ritzville, WA 99169