Stevens County Motorcycle Insurance – Best Quotes Insure Your Bike, Moped, ATV, & Snowmachine

Immediate Evidence of Cycle Insurance Coverage for You!

Are you looking for the most affordable motorcycle insurance coverage in Stevens County? You have found the right agency. We have longstanding partnerships with premier cycle 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 even a moped or scooter, your ride is synonymous with freedom which brings excitement. However with this adventure comes unpredictability and given that you never ever can forsee what is around the next corner, the right protection will make sure you’re prepared for it.

The cycle coverage you desire at a price you can afford

Do you just require the inexpensive motorcycle insurance to get legal? We can assist! Are you enthusiastic about your motorcycle? We can cover your motorbike, your accessories, and even your riding gear. Choosing the right coverage is similar to picking the best bike. You want it to fit your needs and your lifestyle however likewise to be within your budget. The state mandates you carry a minimal amount of liability coverage yet higher levels are available and other coverages are advised. Make certain you go over all your readily available options with a professional insurance agent at our office.

Listed below is everything you must know to get the best cost on your motorcycle insurance coverage:

Bad Motorcycle Crashes - VIDEO

Is Motorbike Insurance Required in Washington State?

Motorbike insurance is needed in Washington state as of July 2019. Washington state passed and the Governor signed a change removing the phrasing in the insurance coverage law excusing motorbikes from being forced to have insurance.
If you cause an accident and do not have insurance, you could put you and your family in financial risk for the damage caused to others. Also, whether the crash is your fault or not, medical costs and lost income for you and any occupants of your car could drive you to personal bankruptcy. Required or not, you want to have motorcycle insurance coverage so you can protect yourself from a liability claim or an irresponsible motorist who crashes into you.
cycle, trike, moped, scooter, and 4-wheeler insurance in Stevens County

What Motorbike Insurance Should I Get?

There are three insurance coverages every bike insurance policy ought to have: liability, uninsured motorist}, and medical.
  • Liability insurance is the only protection that Washington state mandates you to carry (effective July 2019). Liability insurance secures you if you’re discovered at fault for an accident where another person is injured or their property is harmed.
  • Uninsured Motorist is, perhaps, the most important insurance coverage and is listed second only due to the fact that you can not buy it without purchasing liability. With uninsured motorist, your insurance provider covers you and any others in your car as if they are the uninsured driver’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 protection and pays for any necessary medical treatment for you and any others in your car up to the coverage amount you select. This can be essential if you do not have medical 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 typically required by lending institutions if you secure a loan to purchase your bike. Yes, this protection is really crucial to the bank but the three protections above are far more most likely to keep you from personal bankruptcy in case of an accident. 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 security of your family seriously, then insurance must be viewed like protective gear.
motorcycle, scooter, moped, trike, and 4-wheeler insurance in Stevens County

Can I Insure My Side-by-Side?

Yes! If your bike 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?
motorbike, moped, trike, scooter, and ATV insurance in Stevens County

What is Broad Form Cycle Insurance?

BroadForm Cycle Insurance is designed to supply the policy owner liability insurance whatever motorcycle they might ride. Comprehensive and collision protections (also known as “full coverage”) that would pay to take care of the bike in the event of a collision, theft, or vandalism cannot be included in a motorcycle broadform plan however Uninsured Motorist as well as Medical can be included. If you answer Yes to these three statements, then Broad Form Bike Insurance may be a good fit for you. 1. You have or ride several cycles. 2. You are the only one who ever rides your bikes. 3. You do not need “full coverage” on any of your motorbikes.
motorcycle, moped, scooter, trike, and ATV insurance in Stevens County

How Much Does Motorcycle Insurance Cost?

Cycle insurance can cost you less than $200 yearly or be greater than $2000 per year depending upon 6 significant variables: your age, your driving history, your motorbike, your hometown, your chosen insurance coverages, and also the discounts for which you qualify.
  • Your Age: Statistics inform the insurance company that if you are under 25 you are more probable to be involved in an accident than if you are 30+.
  • Your Driving History: If you have collected speeding tickets or have been involved in a crash in the last couple years, then your odds of having another crash are higher.
  • Your Cycle: Some motorcycles appear to attract careless bikers.
  • Your Home Address: Clogged, urban areas also increase your odds of being involved in a wreck.
  • Your Coverages: Naturally, if you purchase extra coverages your price is going to be more but just like when you buy the bigger package at the food store, you likewise wind up paying less per $1,000 of insurance coverage. For instance, doubling your liability coverage from $25,000 per person to $50,000 per person would not double the price but probably raise it less than 20%.
  • Your Discounts: Every insurer 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 training course, Paid-in-full, Cycle association membership, and more.
cycle, trike, scooter, moped, and ATV insurance in Stevens County

What Company Has The Very Best Motorbike Insurance Rates?

Motorcycle insurance coverage 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 require. As an independent agent, we quote you with several motorbike insurance companies to find the best match for you. Whether that’s protection for a customized cycle or just the minimum Washington state requirements so you are legal. If you call one 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 represent, Progressive, Safeco, Dairyland, and Foremost, has various specialties giving you options when you are hunting. Some of our insurers even use an automobile & cycle insurance bundle discount, marking down both policies. This is a great way to save cash on your motorbike insurance coverage.
motorcycle, moped, trike, scooter, and 4-wheeler insurance in Stevens County

Motorbike Insurance Coverage for New Riders

Purchasing your first motorcycle can be a dream come true. Whether you are looking for motorcycle insurance coverage as a 20 year old or have finally saved up enough to buy your very first motorbike or ATV/UTV, we can get you affordable motorbike insurance coverage. As a brand-new rider, you have less experience so insurance providers figure you are more likely to be involved in an accident and therefore will need you to pay more. Keep your record clear and don’t get in crashes and you will see your rate drop as you get experience.
motorbike, scooter, trike, moped, and 4-wheeler insurance in Stevens County

About Stevens County

Stevens County is a county located in the U.S. state of Washington along the Canada–US border. At the 2010 census, its population was 43,531. As of July 2019, the population was estimated to be 45,723. The county seat and largest city is Colville. The county was created in 1863 and named after Isaac Stevens, the first governor of Washington Territory.

Stevens County is included in the Spokane-Spokane Valley, WA Metropolitan Statistical Area.

According to the U.S. Census Bureau, the county has a total area of 2,541 square miles (6,580 km2), of which 2,478 square miles (6,420 km2) is land and 63 square miles (160 km2) (2.5%) is water.

Source: Stevens County, Washington in Wikipedia

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Top Cycle Repair & Gear Near Stevens County

Colville Motorsports
2 reviews
Motorcycle Dealers
165 W Birch Ave, Colville, WA 99114
Keyplace Safe & Lock
3 reviews
Keys & Locksmiths, Safe Stores, Auto Security
234 N Main St, Colville, WA 99114

Best Places to Visit Near Stevens County

Brown Boyz Ohana Eatery
50 reviews
Hawaiian, Asian Fusion, Filipino
576 N Wynne St, Colville, WA 99114
Stephani’s Oak Street Grill
39 reviews
Seafood, Steakhouses, Cajun/Creole
157 N Oak St, Colville, WA 99114
Tony’s Italian Eatery
34 reviews
Pizza, Italian
645 N Louis Perras Rd, Colville, WA 99114
Rancho Chico
30 reviews
151 N Main St, Colville, WA 99114