San Juan County Motorbike Insurance – Low Rates Insurance for Your Cycle, Scooter, RZRs, & Snowmobile

Instantaneous Evidence of Motorcycle Insurance Coverage for You!

Are you looking for the most economical motorbike insurance coverage in San Juan County? You have actually found the right place. We have cultivated longstanding partnerships with outstanding cycle insurance providers in order that we can find you the best rate. Whether your cycle is a street bike, a touring bike, a cruiser, a custom-made chopper, or perhaps a moped or scooter, your bike is associated with flexibility which brings excitement. But with this adventure comes unpredictability and considering that you never know what lies over the next hill, the right protection will make sure you’re ready for it.

The cycle protection you want at a rate you can handle

Do you simply need the affordable motorbike insurance to get legal? We can assist! Are you passionate about your motorcycle? We can cover your cycle, your accessories, and also your riding gear. Choosing the best coverage is like choosing the best 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 levels are available and extra coverages are advised. Make certain you talk about all your offered options with a trained agent at Mid-Columbia Insurance.

Listed below is all you must understand to get the best rate on your motorbike insurance coverage:

Bad Motorcycle Accidents - VIDEO

Is Cycle Insurance Coverage Mandated in Washington State?

Motorbike insurance is needed in Washington state since July 2019. Washington state passed and the Governor signed a modification eliminating the wording in the insurance coverage law exempting cycles from being forced to have insurance.
If you cause an accident and do not have insurance coverage, you could put you and your loved ones in monetary danger for the damage done to others. Likewise, whether the crash is your fault or not, medical costs and lost income for you and any occupants of your car might drive you to insolvency. Mandated or not, you would want to have cycle insurance coverage so you can safeguard yourself from a liability suit or an irresponsible motorist who hits you.
motorbike, moped, trike, scooter, and ATV insurance in San Juan County

What Motorcycle Insurance Should I Get?

There are three insurance coverages every bike insurance plan needs to have: liability, uninsured motorist}, and medical coverage.
  • Liability insurance coverage is the only protection that Washington state mandates you to have (since July 2019). Liability safeguards you if you are found at fault for a crash where another individual is hurt or their property is harmed.
  • Uninsured Motorist is, arguably, the most crucial insurance coverage and is listed second simply because you can not purchase it without first getting liability. With uninsured motorist, your insurance company covers you and any others in your car as if they were 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 payments is an optional protection and covers any required medical treatment for you and any passengers up to the coverage amount you select. This can be important if you don’t have health insurance to cover your medical costs 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 often required by lending institutions if you secure a loan to buy your bike. So yes, this protection is really crucial to the bank however the 3 coverages above are a lot more most likely to keep you from insolvency in case of a crash. Let’s face it. All motorcyclists are at the mercy of other drivers. This is not a video game where you can reset the game and start over. If you get hit, you might be hospitalized for months. Riding safe entails wearing the best protective equipment. If you take your safety and the financial security of your family seriously, then insurance needs to be viewed as protective gear.
cycle, moped, trike, scooter, and ATV insurance in San Juan County

Can I Insure My Custom Cycle?

Yes! If your cycle is designed for either off-road or street use, we can cover 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?
motorcycle, moped, scooter, trike, and ATV insurance in San Juan County

What is a BroadForm Cycle Insurance Policy?

BroadForm Motorbike Insurance Coverage is designed to give the policy owner liability insurance coverage regardless of what cycle they may ride. Comprehensive and also collision protections (aka “full coverage”) that would pay to deal with the bike in the event of an accident, theft, or vandalism cannot be added to a cycle broadform plan yet Uninsured Motorist and also Medical can be added. If you answer Yes to these 3 sentences, then Broad Form Motorcycle Insurance coverage may be right for you. 1. You have or ride several motorcycles. 2. You are the only one who ever rides your cycles. 3. You do not need “full coverage” on any of your cycles.
motorbike, moped, trike, scooter, and 4-wheeler insurance in San Juan County

How Much Does Motorcycle Insurance Cost?

Cycle insurance can cost you less than $200 yearly or be greater than $2000 annually depending on 6 major variables: your age, your driving record, your motorcycle, your hometown, your chosen insurance coverages, and the discounts for which you qualify.
  • Your Age: Statistics inform the insurance company that if you are under 25 you are more likely to be involved in a wreck than if you happen to be 30+.
  • Your Driving History: If you have received speeding tickets or have been involved in an accident in the last few years, then your probabilities of having another accident are greater.
  • Your Cycle: Some motorcycles appear to encourage careless bikers.
  • Your Home Address: Clogged, urban areas also raise your possibilities of being involved in a crash.
  • Your Coverages: Obviously, if you buy added insurance coverages your price will be increased however similar to when you buy the larger package at the food store, you likewise wind up paying less per $1,000 of insurance. For example, doubling your liability protection from $25,000 per person to $50,000 per person will not double the cost but possibly raise it less than 20%.
  • Your Discounts: Every company offers various combinations of discounts. The more that match up with your situation, the more likely you will end up paying less. Some discounts available include: Multiple cycle, Multiple policy, Claim-free, Safety course, Paid-in-full, Cycle organization membership, and others.
motorcycle, moped, scooter, trike, and ATV insurance in San Juan County

Who Has The Best Motorcycle Insurance Rates?

Cycle insurance coverage is not “One Size Fits All”. The very best motorcycle insurer for you will offer a policy that aligns with your particular requirements. One call to us will get you all the quotes you need. As an independent agent, we quote you with numerous motorcycle insurance companies to discover the very best match for you. Whether that’s protection for a customized bike or just the minimum Washington state requirements so you are legal. If you call one of the ‘name brand’ providers 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 various specialties giving you choices when you are shopping. A few of our insurance providers even use an auto & cycle insurance package discount, marking down both policies. This is a great way to save money on your motorcycle insurance policy.
motorcycle, scooter, moped, trike, and ATV insurance in San Juan County

Motorbike Insurance Coverage for New Riders

Purchasing your very first motorcycle can be a dream come true. Whether you are searching for motorcycle insurance coverage as a 18 year old or have actually at last saved up enough to purchase your first motorbike or ATV/UTV, we can get you low-cost motorbike insurance. As a brand-new rider, you have less experience so insurance companies figure you are more likely to be involved in a crash and for that reason will need you to pay more. Keep your driving record clean and don’t get in any wrecks and you should see your rate drop as you get experience.
motorcycle, scooter, moped, trike, and ATV insurance in San Juan County

About San Juan County

San Juan County is a county located in the Salish Sea in the far northwestern corner of the U.S. state of Washington. As of the 2010 census, its population was 15,769. The county seat and only incorporated city is Friday Harbor, located on San Juan Island. The county was formed on October 31, 1873, from Whatcom County and is named for the San Juan Islands, which are in turn named for Juan Vicente de Güemes, 2nd Count of Revillagigedo, the Viceroy of New Spain.

Although the islands themselves have no state highways, the ferry routes serving the islands are designated as part of the state highway system.

The San Juan Islands were the subject of a territorial dispute between Great Britain and the United States from 1846 to 1872, leading to the Pig War in 1859.

Source: San Juan County, Washington in Wikipedia

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Best Cycle Repair & Gear Near San Juan County

Deer Harbor Marina
9 reviews
5164 Deer Harbor Rd, Deer Harbor, WA 98243
Allen Auto Repair
1 review
Auto Repair, Auto Customization
220 Blair Ave, Ste 1911, Friday Harbor, WA 98250
Cascade Motorcycle Safety
5 reviews
Driving Schools
Coupeville, WA 98239
Kountry Customz
10 reviews
Car Stereo Installation, Auto Customization, Auto Security
5930 Guide Meridian Rd, Bellingham, WA 98226

Top Places to See Near San Juan County

Cask and Schooner
660 reviews
Seafood, British, American (Traditional)
1 Front St, Ste 1, Friday Harbor, WA 98250
Brown Bear Baking
370 reviews
Coffee & Tea, Breakfast & Brunch, Sandwiches
29 N Beach Rd, Eastsound, WA 98245
San Juan Bistro
125 reviews
American (New), Desserts, Beer Bar
155 Nichols St, Friday Harbor, WA 98250
Orcas Village Store
44 reviews
Grocery, Delis
10 Killebrew Lk Rd, Orcas, WA 98280