Vashon Island Motorcycle Insurance – Low Rates Insurance for Your Cycle, Scooter, ATV, & Snowmobile

Instant Evidence of Motorcycle Insurance!

Are you looking for the most inexpensive motorbike insurance coverage in Vashon Island? You have come to the right agency. We have developed longstanding relationships with top-rated cycle insurance companies so that we can find you the very best rate. Whether your cycle is a street bike, a touring bike, a cruiser, a customized chopper, or even a moped or scooter, your ride is associated with liberty which brings excitement. However with this adventure comes uncertainty and considering that you never can forsee what is around the next corner, the best protection will make sure you’re ready for it.

The motorcycle coverage you desire at a cost you can handle

Do you just require the basic motorbike insurance to get legal? We can assist! Are you passionate about your motorcycle? We can cover your cycle, your accessories, and even your riding gear. Selecting the best protection is similar to picking the ideal 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 higher limits are available and additional coverages are advised. Make certain you discuss all the readily available options with a licensed insurance agent at our office.

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

Terrible Cycle Crashes - VIDEO

Is Cycle Insurance Coverage Mandated in Washington State?

Motorbike insurance coverage is required in Washington state since July 2019. The Washington state legislature passed and the Governor signed an amendment removing the phrasing in the insurance law excusing cycle owners from being forced to have insurance.
If you cause an accident and don’t have insurance coverage, you could put you and your family in monetary risk for the damage done to others. Also, whether the accident is your fault or not, medical bills and lost wages for you and any occupants of your car could drive you to insolvency. Mandated or not, you want to have cycle insurance coverage so you can secure yourself from a liability suit or an irresponsible driver who crashes into you.
cycle, trike, moped, scooter, and ATV insurance in Vashon Island

What Motorcycle Insurance Should I Get?

There are three coverages every motorbike insurance policy ought to have: liability, uninsured motorist}, and medical coverage.
  • Liability insurance is the only coverage that Washington state mandates you to carry (since July 2019). Liability protects you if you’re discovered 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 are 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 covers any necessary medical treatment for you and any others in your car up to the coverage amount you choose. This can be essential if you don’t have health insurance to cover your medical expenses 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 required by lenders if you take out a loan to buy your cycle. Yes, this protection is very essential to the bank however the three coverages above are a lot more likely to keep you from personal bankruptcy in case of an accident. 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 using the best protective gear. If you take your safety and the financial security of your loved ones seriously, then insurance needs to be seen like protective equipment.
cycle, trike, moped, scooter, and 4-wheeler insurance in Vashon Island

Can You Insure My Sport Touring Bike?

Yes! If your bike is designed for either off-road or street use, we can insure 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 4-wheeler insurance in Vashon Island

What is BroadForm Motorbike Insurance?

BroadForm Motorcycle Insurance Coverage is designed to offer the policy owner liability insurance regardless of what motorcycle they may ride. Comprehensive and collision coverages (aka “full coverage”) that would pay to deal with the bike in the event of an accident, theft, or vandalism can not be included in a cycle broadform plan but Uninsured Motorist and Medical can be added. If you answer Yes to these 3 statements, then Broad Form Motorcycle Insurance coverage might just be perfect for you. 1. You have or ride numerous cycles. 2. You are the only one that at any time rides your motorcycles. 3. You don’t require “full coverage” on any of your cycles.
motorbike, scooter, moped, trike, and ATV insurance in Vashon Island

How Much Does Motorbike Insurance Cost?

A Cycle insurance policy can cost you less than $200 per year or be more than $2000 yearly depending upon six major variables: your age, your driving record, your cycle, your home town, your chosen insurance coverages, and the discounts you qualify for.
  • Your Age: Stats inform the insurance company that if you are under 25 you are more likely to be involved in an accident than if you happen to be 30+.
  • Your Driving Record: If you have received speeding tickets or have already had a wreck in the last couple years, then your chances of having another accident are higher.
  • Your Motorbike: Certain motorbikes appear to entice reckless motorcyclists.
  • Your Garaging Address: Crowded, urban areas also escalate your possibilities of being involved in a crash.
  • Your Coverages: Of course, if you purchase added coverages your price will be increased however much like when you purchase the larger package at the grocery store, you also end up paying less per $1,000 of insurance coverage. For example, doubling your liability coverage from $25,000 per person to $50,000 per person would not double the cost however probably raise it less than 20%.
  • Your Discounts: Every company offers various combinations of discounts. The more that match up with your circumstances, the more likely you will end up paying less. Some discounts available: Multiple motorcycle, Multiple policy, Claim-free, Safety training course, Paid-in-full, Motorcycle association membership, and others.
cycle, moped, trike, scooter, and ATV insurance in Vashon Island

Who Has The Best Cycle Insurance Quotes?

Motorcycle insurance is not “One Size Fits All”. The very best motorcycle insurer 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 insurers to discover the very best match for you. Whether that’s protection for a customized motorbike or simply 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 company we carry, Progressive, Safeco, Dairyland, and Foremost, has various specialties providing you options when you are shopping. A few of our insurers even provide an auto & cycle insurance package discount, marking down both policies. This is a great way to save money on your motorbike insurance coverage.
motorcycle, scooter, moped, trike, and ATV insurance in Vashon Island

Motorcycle Insurance for New Riders

Purchasing your first motorcycle is 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 cycle or ATV/UTV, we can get you low-cost motorcycle insurance. As a brand-new rider, you have less experience so insurers figure you are more likely to be involved in an accident and therefore will make you pay more. Keep your driving record clear and don’t get in any crashes and you should see your rate drop as you acquire experience.
motorcycle, scooter, trike, moped, and ATV insurance in Vashon Island

About Vashon Island

Vashon is a census-designated place (CDP) in King County, Washington, United States. It covers an island alternately called Vashon Island or Vashon-Maury Island, the largest island in Puget Sound south of Admiralty Inlet. The population was 10,624 at the 2010 census and the size is 36.9 square miles (95.6 km2).

The island is connected to West Seattle and the Kitsap Peninsula via the Washington State Ferries system. The island has resisted the construction of a fixed bridge to preserve its relative isolation and rural character. Vashon Island is also known for its annual strawberry festival, sheepdog trials, and agriculture.

Vashon Island sits in the midpoint of southern Puget Sound, between Seattle and Tacoma, Washington. The island lies along the 700-mile (1,130 km) fault line known as the Cascadia Subduction Zone, which last saw a major rupture in 1700, but the potential of the zone could cause one of the worst natural disasters in the history of North America.

Source: Vashon Island, Washington in Wikipedia

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