Sequim Motorbike Insurance – Affordable Rates Insurance for Your Cycle, Moped, Side x Sides, & Snowmachine

Instantaneous Proof of Motorbike Insurance Coverage for You!

Are you searching for the most budget-friendly motorcycle insurance in Sequim? You have found the right agency. We have established longstanding partnerships with premier motorcycle insurance providers so that we can find you the very best rate. Whether your moytorcyle is a street bike, a touring bike, a cruiser, a custom chopper, or perhaps a moped or scooter, your ride is synonymous with flexibility which brings excitement. However with this adventure comes unpredictability and since you never can forsee what lies over the next hill, the right protection can ensure you’re prepared for it.

The motorcycle protection you want at a cost you can afford

Do you simply need the inexpensive motorbike insurance coverage to get legal? We can help! Are you passionate about your cycle? We can cover your motorcycle, your accessories, and even your riding gear. Choosing the right coverage is similar to selecting the best bike. You want it to fit your needs and your way of life but likewise to be within your budget. The state requires you have a minimal level of liability protection yet greater levels are available and other protections are advised. Make sure you go over all your readily available alternatives with a licensed agent at Mid-Columbia Insurance.

Below is all you need to know to get the best price on your bike insurance coverage:

Terrible Cycle Wrecks - VIDEO

Is Motorbike Insurance Coverage Required in Washington State?

Cycle insurance coverage is needed in Washington state as of July 2019. The Washington state legislature passed and the Governor signed a modification removing the phrasing in the insurance coverage law excusing cycles from being forced to have insurance coverage.
If you trigger an accident and do not have insurance coverage, you might put you and your loved ones in financial risk for the damage caused to others. Likewise, whether the crash is your fault or not, medical expenses and lost income for you and any occupants of your car might drive you to insolvency. Mandated or not, you would want to have motorcycle insurance so you can protect yourself from a liability claim or a careless motorist who hits you.
motorcycle, trike, scooter, moped, and 4-wheeler insurance in Sequim

What Motorcycle Insurance Coverage Should I Get?

There are 3 coverages every motorcycle insurance plan ought to have: liability, uninsured motorist}, and medical protection.
  • Liability insurance is the only protection that Washington state mandates you to have (since July 2019). Liability protects you if you’re discovered at fault for a crash where another person is injured or their property is damaged.
  • Uninsured Motorist is, arguably, the most crucial insurance coverage and is listed second simply due to the fact that you can not get it without first getting liability. With uninsured motorist, your insurance provider covers you and any passengers as if they were the uninsured motorist’s insurer.In their October 2017 report, the Insurance Research Council reported that 17.4% of Washington drivers are uninsured.
  • Medical protection 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 essential if you do not have health insurance to cover your medical costs or you have a high-deductible health insurance.
You may be amazed that comprehensive & collision (aka full coverage) are not on this list. These coverages are typically mandated by loan providers if you secure a loan to buy your motorcycle. So yes, this coverage is extremely essential to the bank however the 3 coverages above are much 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 computer game where you can reset the game and start over. If you get hit, you may be hospitalized for months. Riding safe entails wearing the right protective equipment. If you take your safety and the financial security of your loved ones seriously, then insurance coverage needs to be seen as protective equipment.
motorbike, moped, scooter, trike, and 4-wheeler insurance in Sequim

Can You Insure My Side-by-Side?

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?
motorcycle, trike, scooter, moped, and ATV insurance in Sequim

What is a BroadForm Motorbike Insurance Policy?

BroadForm Motorcycle Insurance Coverage is designed to give the policy owner liability insurance regardless of what cycle they may ride. Comprehensive and also collision coverages (also known as “full coverage”) that would pay to fix the bike in case of a collision, theft, or vandalism can not be included in a motorcycle broadform policy yet Uninsured Motorist and Medical can be added. If you respond Yes to these 3 sentences, then Broad Form Motorcycle Insurance policy may just be right for you. 1. You have or ride a couple motorcycles. 2. You are the just one who ever rides your bikes. 3. You do not require “full coverage” on any one of your motorbikes.
cycle, trike, scooter, moped, and ATV insurance in Sequim

How Much Does Motorcycle Insurance Cost?

Motorbike insurance can cost you less than $200 annually or be greater than $2000 each year depending upon 6 major variables: your age, your driving history, your motorbike, your zip code, your chosen coverages, and also the discounts for which you qualify.
  • Your Age: Stats inform the insurer 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 History: If you have accumulated speeding tickets or have already had an accident in the last few years, then your odds of having another crash are higher.
  • Your Cycle: Some motorbikes seem to encourage careless cyclists.
  • Your Garaging Address: Crowded, urban areas also increase your chances of being in a wreck.
  • Your Insurance Coverages: Obviously, if you purchase added insurance coverages your price will be higher but just like when you purchase the bigger package at the supermarket, you also wind up paying less per $1,000 of insurance coverage. For example, increasing your liability coverage from $25,000 per person to $50,000 per person would not double the cost but probably raise it less than 20%.
  • Your Discounts: Every insurer 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: Multiple motorcycle, Multiple policy, Claim-free, Safety course, Paid-in-full, Cycle association membership, and others.
motorbike, trike, scooter, moped, and 4-wheeler insurance in Sequim

What Company Has The Best Motorcycle Insurance Prices?

Motorcycle insurance is not “One Size Fits All”. The very best motorbike insurance company for you will provide a policy that lines up with your particular requirements. One call to us will get you all the quotes you need. As an independent agent, we quote you with several motorcycle insurers to find the very best match for you. Whether that’s protection for a custom 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 insurer we carry, Progressive, Safeco, Dairyland, and Foremost, has different specialties providing you choices when you are shopping. Some of our motorcycle insurance companies even provide an auto & cycle insurance package discount, saving money on both policies. This is an excellent method to save cash on your motorcycle insurance plan.
cycle, trike, moped, scooter, and ATV insurance in Sequim

Motorbike Insurance for New Riders

Buying your first motorbike is a dream come true. Whether you are searching for motorbike insurance coverage as a 19 year old or have actually at long last saved up enough to purchase your very first motorcycle or ATV/UTV, we can get you the best motorcycle insurance coverage. As a new rider, you have less experience so insurers figure you are more likely to be involved in a crash and because of this will require you to pay more. Keep your driving record clean and don’t get in any accidents and you should see your rate drop as you acquire experience.
cycle, moped, trike, scooter, and ATV insurance in Sequim

About Sequim

Sequim is a city in Clallam County, Washington, United States. The 2010 census counted a population of 6,606. With the surrounding area, the population is about 28,000. The population served by the Sequim School District population was close to 29,000 in 2018. Sequim is located along the Dungeness River near the base of the Olympic Mountains.

Sequim lies within the rain shadow of the Olympic Mountains and receives on average less than 16 inches (410 mm) of rain per year – about the same as Los Angeles, California – leading it to give itself the nickname of Sunny Sequim. However, the city is relatively close to some of the wettest temperate rainforests of the contiguous United States. This climate anomaly is sometimes called the “Blue Hole of Sequim”. Fogs and cool breezes from the Juan de Fuca Strait make Sequim’s climate more humid than would be expected from the low average annual precipitation. Some places have surprisingly luxuriant forests dominated by Douglas-fir and western red cedar. Black cottonwood, red alder, bigleaf maple, Pacific madrone, lodgepole pine, and Garry oak can also be large. Historically, much of the area was an open oak-studded prairie supported by somewhat excessively drained gravelly sandy loam soil, though agriculture and development of the Dungeness valley have changed this ecosystem. Most soils under Sequim have been placed in a series that is named after the city. This “Sequim series” is one of the few Mollisols in western Washington and its high base saturation, a characteristic of the Mollisol order, is attributed to the minimal leaching of bases caused by low annual rainfall.

The city and the surrounding area are particularly known for the commercial cultivation of lavender, supported by the unique climate. It makes Sequim the “Lavender Capital of North America”, rivaled only in France. The area is also known for its Dungeness crab.

Source: Sequim, Washington in Wikipedia

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Top Motorcycle Repair & Gear Near Sequim

Pacific Motorcycle
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Top Places to See Near Sequim

The Oak Table Cafe
569 reviews
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292 W Bell St, Sequim, WA 98382
Nourish Sequim
290 reviews
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Alder Wood Bistro
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229 S Sequim Ave, Sequim, WA 98382