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Seattle Motorcycle Insurance – Affordable Quotes
Insurance for Your Cycle, Scooter, RZRs, & Snowmachine

Instantaneous Evidence of Cycle Insurance for You!

Are you searching for the most economical motorbike insurance coverage in Seattle? You have actually found the ideal agency. We have established longstanding relationships with top-rated motorcycle insurance carriers in order that we can find you the best rate.

Whether your ride is a street bike, a touring bike, a cruiser, a customized chopper, or even a moped or scooter, your cycle is synonymous with freedom which brings enjoyment. But with this adventure comes unpredictability and given that you never ever know what is around the next corner, the best coverage can make sure you’re prepared for it.

The motorbike protection you desire at a rate you can manage

Do you just require the inexpensive motorbike insurance to get legal? We can assist!
Are you passionate about your bike? We can cover your bike, your accessories, and also your riding gear.

Picking the right protection is similar to selecting the ideal bike. You want it to fit your needs and your lifestyle however also to be within your budget. The state requires you carry a minimal amount of liability protection yet greater levels are available and other coverages are suggested. Make certain you talk about all the offered options with a licensed agent at Mid-Columbia Insurance.

Listed below is all you must understand to get the best cost on your bike insurance:

Terrible Motorbike Crashes - VIDEO

Is Cycle Insurance Coverage Mandated in Washington State?

Cycle insurance coverage is needed in Washington state since July 2019. The Washington state legislature passed and the Governor signed an amendment getting rid of the phrasing in the insurance law exempting motorbikes from being required to have insurance.

If you trigger a crash and don’t have insurance, you could put you and your loved ones in financial risk for the damage caused to others. Also, whether the crash is your fault or not, medical expenses and lost earnings for you and any passengers could drive you to insolvency.

Mandated or not, you want to have motorbike insurance so you can protect yourself from a liability lawsuit or a reckless driver who hits you.

motorbike, moped, scooter, trike, and 4-wheeler insurance in Seattle

What Motorcycle Insurance Should I Get?

There are 3 insurance coverages every motorcycle insurance policy should have: liability, uninsured motorist}, and medical protection.

  • Liability insurance is the only coverage that Washington state mandates you to have (since July 2019). Liability insurance safeguards you if you’re discovered at fault for a crash where another individual is hurt or their property is damaged.
  • Uninsured Motorist is, perhaps, the most important insurance coverage and is listed second only because you can not get it without purchasing liability. With uninsured motorist, your insurance company covers you and any others in your car as if they are the uninsured driver’s insurance provider.In their October 2017 report, the Insurance Research Council reported that 17.4% of Washington drivers are uninsured.
  • Medical payments is an optional coverage and covers any necessary medical treatment for you and any others in your car up to the coverage amount you choose. This can be crucial if you don’t have health insurance to cover your medical costs 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 typically required by lenders if you take out a loan to buy your motorcycle. So yes, this protection is extremely crucial to the bank but the 3 coverages above are a lot 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 hit, 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 family seriously, then insurance should be seen like protective equipment.

motorbike, moped, scooter, trike, and ATV insurance in Seattle

Can I Insure My Sport Touring Motorbike?

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?
motorcycle, trike, scooter, moped, and 4-wheeler insurance in Seattle

What is BroadForm Motorcycle Insurance?

a BroadForm Motorcycle Insurance Policy is designed to give the policy owner liability protection regardless of what motorbike they might ride.

Comprehensive and collision coverages (aka “full coverage”) that would pay to deal with the bike in case of a collision, theft, or vandalism can not be added to a cycle broadform policy yet Uninsured Motorist and also Medical can be included.

If you answer Yes to these 3 statements, then Broad Form Bike Insurance policy could be appropriate for you.
1. You have or ride numerous motorcycles.
2. You are the only one who at any time rides your bikes.
3. You don’t require “full coverage” on any of your bikes.

cycle, scooter, trike, moped, and ATV insurance in Seattle

Just How Much Does Motorbike Insurance Cost?

Cycle insurance coverage can cost you less than $200 annually or be more than $2000 yearly depending upon 6 significant factors: your age, your driving record, your motorcycle, your home town, your selected coverages, as well as the discounts you qualify for.

  • Your Age: Statistics inform the insurer that if you are under 25 you are more probable to be involved in a crash than if you are 30+.
  • Your Driving History: If you have collected speeding tickets or have already had an accident in the last few years, then your chances of having another crash are higher.
  • Your Motorbike: Some motorcycles appear to encourage negligent bikers.
  • Your Garaging Address: Crowded, metropolitan areas also escalate your odds of being involved in a wreck.
  • Your Insurance Coverages: Of course, if you purchase more coverages your rate will be increased but just like when you purchase the bigger package at the food store, you likewise wind up paying less per $1,000 of insurance coverage. Doubling your liability coverage from $25,000 per person to $50,000 per person will not double the cost however probably elevate it less than 20%.
  • Your Discounts: Every company makes available different 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 motorcycle, Multiple policy, Claim-free, Safety training course, Paid-in-full, Cycle organization membership, and more.
motorbike, scooter, moped, trike, and 4-wheeler insurance in Seattle

Who Has The Very Best Motorcycle Insurance Prices?

Cycle insurance coverage is not “One Size Fits All”. The best cycle insurance company for you will offer a policy that aligns with your specific requirements. One call to us will get you all the quotes you need. As an independent agent, we quote you with several motorbike insurance providers to discover the very best match for you. Whether that’s protection for a customized motorbike or just the minimum Washington state requirements so you are legal.

If you call some 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 carry, Progressive, Safeco, Dairyland, and Foremost, has various specialties providing you alternatives when you are hunting.

Some of our motorcycle insurers even offer an automobile & cycle insurance bundle discount, saving money on both policies. This is a great method to save cash on your motorbike insurance coverage.

motorcycle, scooter, trike, moped, and ATV insurance in Seattle

Motorcycle Insurance for New Riders

Buying your very first motorbike is a dream come true. Whether you are trying to find motorbike insurance as a 18 year old or have finally saved up enough to purchase your very first motorcycle or ATV/UTV, we can get you low-cost motorcycle insurance coverage.

As a new rider, you have less experience so insurance providers figure you are most likely to be involved in a crash and because of this will need you to pay more. Keep your driving record spotless and don’t get in any wrecks and you will see your rate drop as you get experience.

motorcycle, scooter, trike, moped, and ATV insurance in Seattle

About Seattle

Seattle ( see-AT-əl) is a seaport city on the West Coast of the United States. It is the seat of King County, Washington. Seattle is the largest city in both the state of Washington and the Pacific Northwest region of North America. According to U.S. Census data released in 2019, the Seattle metropolitan area’s population stands at 3.98 million, and ranks as the 15th-largest in the United States. In July 2013, it was the fastest-growing major city in the United States and remained in the top 5 in May 2015 with an annual growth rate of 2.1%. In July 2016, Seattle was again the fastest-growing major U.S. city, with a 3.1% annual growth rate.

Seattle is situated on an isthmus between Puget Sound (an inlet of the Pacific Ocean) and Lake Washington. It is the northernmost large city in the United States, located about 100 miles (160 km) south of the Canadian border. A major gateway for trade with Asia, Seattle is the fourth-largest port in North America in terms of container handling as of 2015.

The Seattle area was inhabited by Native Americans for at least 4,000 years before the first permanent European settlers.Arthur A. Denny and his group of travelers, subsequently known as the Denny Party, arrived from Illinois via Portland, Oregon, on the schooner Exact at Alki Point on November 13, 1851. The settlement was moved to the eastern shore of Elliott Bay and named “Seattle” in 1852, in honor of Chief Si’ahl of the local Duwamish and Suquamish tribes. Today, Seattle has high populations of Native, Scandinavian, Asian American, African American, as well as a thriving LGBT community that ranks 6th in the United States for population.

Source: Seattle, Washington in Wikipedia

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