Spokane Valley Motorcycle Insurance – Cheapest Rates
Insure Your Bike, Scooter, Side x Sides, & Snowmachine

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Are you searching for the most budget-friendly motorbike insurance coverage in Spokane Valley? You have actually come to the best agency. We have longstanding partnerships with top-rated motorcycle insurance carriers in order that we can find you the best rate.

Whether your cycle is a street bike, a touring bike, a cruiser, a custom chopper, or perhaps a moped or scooter, your ride is associated with freedom which brings excitement. However with this adventure comes uncertainty and because you never ever can forsee what is around the next corner, the right coverage can ensure you’re prepared for it.

The motorbike protection you desire at a price you can manage

Do you just need the affordable motorcycle insurance to get legal? We can help!
Are you passionate about your cycle? We can cover your cycle, your accessories, and even your riding gear.

Selecting the right protection is similar to selecting 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 level of liability protection but higher levels are available and other coverages are suggested. Make sure you talk about all the available options with a licensed agent at our office.

Listed below is all you must know to get the best rate on your cycle insurance:

Crazy Motorcycle Crashes - VIDEO

Is Cycle Insurance Coverage Mandated in Washington State?

Cycle insurance coverage is needed in Washington state since July 2019. Washington state passed and the Governor signed an amendment eliminating the phrasing in the insurance law excusing motorbikes from being required to carry insurance.

If you trigger a crash and do not have insurance, you could put you and your loved ones in financial danger for the damage done to others. Likewise, 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 cycle insurance coverage so you can safeguard yourself from a liability suit or a careless driver who hits you.

motorcycle, scooter, moped, trike, and ATV insurance in Spokane Valley

What Motorbike Insurance Coverage Should I Get?

There are three insurance coverages every motorbike insurance policy ought to have: liability, uninsured motorist}, and medical coverage.

  • Liability insurance coverage is the only coverage that Washington state mandates you to carry (since July 2019). Liability secures 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 protection and is listed second simply because you can not purchase it without first getting liability. With uninsured motorist, your insurer 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 protection and covers any necessary 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 insurance.

You might be shocked that comprehensive & collision (aka full coverage) are not on this list. These protections are typically required by lenders if you secure a loan to buy your cycle. Yes, this protection is extremely important to the bank however the 3 protections 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 motorists. This is not a computer game where you can reset the game and start over. If you get struck, you might be hospitalized for months. Riding safe entails wearing the right protective equipment. If you take your safety and the financial safety of your family seriously, then insurance must be viewed as protective gear.

motorbike, moped, trike, scooter, and 4-wheeler insurance in Spokane Valley

Can I Insure My Dirt Bike?

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?
cycle, trike, moped, scooter, and 4-wheeler insurance in Spokane Valley

What is Broad Form Cycle Insurance Coverage?

BroadForm Motorbike Insurance is designed to offer the policy owner liability insurance coverage regardless of what cycle they may ride.

Comprehensive and collision insurance coverages (also known as “full coverage”) that would pay to take care of the bike in case of a collision, theft, or vandalism cannot be added to a motorcycle broadform plan however Uninsured Motorist as well as Medical can be added.

If you respond Yes to these three sentences, then Broad Form Motorbike Insurance policy could just be right for you.
1. You have or ride multiple cycles.
2. You are the just one that at any time rides your motorcycles.
3. You don’t require “full coverage” on any of your cycles.

motorbike, moped, trike, scooter, and ATV insurance in Spokane Valley

How Much Does Cycle Insurance Cost?

A Motorbike insurance policy can cost you less than $200 yearly or be more than $2000 each year depending on six significant factors: your age, your driving record, your motorbike, your hometown, your selected coverages, as well as the discounts for which you qualify.

  • Your Age: Statistics tell the insurer 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 accumulated speeding tickets or have already had a wreck in the last few years, then your chances of having another crash are greater.
  • Your Cycle: Particular bikes appear to entice reckless cyclists.
  • Your Home Address: Congested, metropolitan areas also increase your possibilities of being in a crash.
  • Your Insurance Coverages: Naturally, if you buy extra insurance coverages your rate is going to be higher however much like when you purchase the bigger package at the grocery store, you also end up paying less per $1,000 of insurance. Doubling your liability protection from $25,000 per person to $50,000 per person will not double the price however possibly raise it less than 20%.
  • Your Discounts: Every insurance 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 motorcycle, Multiple policy, Claim-free, Safety training course, Paid-in-full, Motorcycle association membership, and more.
cycle, scooter, trike, moped, and ATV insurance in Spokane Valley

What Company Has The Best Cycle Insurance Rates?

Motorcycle insurance is not “One Size Fits All”. The best motorcycle insurance provider for you will feature a policy that lines up with your specific requirements. One call to us will get you all the quotes you need. As an independent agent, we quote you with multiple motorcycle insurers to discover the very best match for you. Whether that’s coverage for a custom motorcycle 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 just get one quote from their brand. Each company we carry, Progressive, Safeco, Dairyland, and Foremost, has various specialties offering you options when you are shopping.

A few of our insurance providers even provide a car & cycle insurance package discount, marking down both policies. This is an excellent way to save money on your motorbike insurance coverage.

cycle, moped, scooter, trike, and ATV insurance in Spokane Valley

Motorbike Insurance for New Riders

Buying your very first motorcycle is a dream come true. Whether you are searching for motorcycle insurance as a 21 year old or have at last saved up enough to buy your first cycle or ATV/UTV, we can get you cheap motorbike insurance coverage.

As a new rider, you have less experience so insurance companies figure you are more likely to be in an accident and therefore will need you to pay more. Keep your record clean and avoid getting in crashes and you should see your rate drop as you acquire experience.

motorcycle, scooter, trike, moped, and ATV insurance in Spokane Valley

About Spokane Valley

Spokane Valley is a city in Spokane County, Washington, United States, and the largest suburb of Spokane. It is located east of Spokane, west of Coeur d’Alene, Idaho and surrounds the city of Millwood on three sides. The city incorporated as the City of Spokane Valley on March 31, 2003. The Washington State Office of Financial Management estimates the city’s population as 101,060 as of 2019. Spokane Valley is named after the valley of the Spokane River, in which it is located. Before becoming an incorporated city, the area was and still is referred to as “The Valley” by residents of the Spokane–Coeur d’Alene area.

The city was formed from a merger of the unincorporated census-designated places (CDPs) of Dishman, Opportunity, Trentwood, Veradale, as well as the western section of the CDP of Greenacres. Unlike the other five towns, Millwood avoided becoming part of Spokane Valley by incorporating itself in 1927; although, it is part of the Greater Spokane Valley Chamber of Commerce.

For thousands of years, the Spokane Valley area was populated by members of the Upper Band of the Interior Salish Indians, calling themselves “Sn-tutuul-i”, the meaning of which is not known. In about 1783, fur traders from the North West Company began traveling through the area. They called these Indians the “Spokanes” which has been interpreted as meaning “Children of the Sun.” The Spokanes were a peaceful people, on friendly terms with neighboring tribes and later the fur traders and missionaries who came to the area. They fished salmon, hunted game, and ate camassia roots and berries they gathered.

Source: Spokane Valley, Washington in Wikipedia

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