(509) 783-5600 [email protected]

Whatcom County Motorcycle Insurance – Best Prices Insure Your Cycle, Moped, Side x Sides, & Snowmobile

Instant Evidence of Motorcycle Insurance Coverage!

Are you looking for the cheapest motorbike insurance in Whatcom County? You have come to the best agency. We have cultivated longstanding partnerships with premier motorbike insurance carriers so that we can find you the very best rate. Whether your cycle is a street bike, a touring bike, a cruiser, a custom-made chopper, or even a moped or scooter, your bike is synonymous with flexibility which brings excitement. However with this adventure comes unpredictability and considering that you never ever can forsee what is around the next corner, the right protection can make sure you’re ready for it.

The motorcycle protection you desire at a cost you can afford

Do you just require the cheap motorbike insurance to be legal? We can help! Are you enthusiastic about your motorbike? We can cover your motorbike, your accessories, and also your riding gear. Selecting the best coverage is like picking the best bike. You want it to fit your needs and your way of life however likewise to be within your budget. The state mandates you carry a minimal level of liability coverage yet greater levels are available and other coverages are suggested. Ensure you talk about all your available options with a professional agent at Mid-Columbia Insurance.

Below is all you must understand to get the best rate on your cycle insurance:

Crazy Motorbike Crashes - VIDEO

Is Motorcycle Insurance Required in Washington State?

Motorcycle insurance is required in Washington state since July 2019. The Washington state legislature passed and the Governor signed a change eliminating the wording in the insurance coverage law exempting cycles from being required to have insurance coverage.
If you cause a crash and do not have insurance, you might put you and your loved ones in financial danger for the damage done to others. Also, whether the accident is your fault or not, medical bills and lost income for you and any passengers might drive you to insolvency. Mandated or not, you would want to have motorbike insurance so you can safeguard yourself from a liability suit or a careless motorist who hits you.
motorbike, trike, scooter, moped, and ATV insurance in Whatcom County

What Cycle Insurance Coverage Should I Get?

There are 3 insurance coverages every bike insurance plan needs to have: liability, uninsured motorist}, and medical protection.
  • Liability insurance coverage is the only protection that Washington state requires you to have (effective July 2019). Liability insurance protects you if you’re discovered at fault for a crash where another individual is injured or their property is damaged.
  • Uninsured Motorist is, arguably, the most important insurance protection and is listed second simply because you can not purchase it without purchasing liability. With uninsured motorist, your insurance company covers you and any passengers 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 coverage is an optional protection and covers any needed medical treatment for you and any others in your car up to the coverage amount you pick. This can be crucial if you don’t have health insurance to cover your medical expenses or you have a high-deductible health plan.
You may be surprised that comprehensive & collision (aka full coverage) are not on this list. These protections are frequently required by loan providers if you take out a loan to purchase your bike. Yes, this protection is really important to the bank however the 3 coverages above are a lot more likely to keep you from personal bankruptcy in the event of a crash. Let’s face it. All motorcyclists are at the mercy of other motorists. This is not a video game where you can reset the game and start over. If you get struck, you may 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 ought to be seen like protective gear.
motorcycle, moped, scooter, trike, and 4-wheeler insurance in Whatcom County

Can I Insure My Touring Motorbike?

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?
motorbike, moped, trike, scooter, and 4-wheeler insurance in Whatcom County

What is a Broad Form Motorcycle Insurance Policy?

Broad Form Motorcycle Insurance is designed to give the policy owner liability protection whatever cycle they might ride. Comprehensive as well as collision insurance 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 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 coverage might simply be ideal for you. 1. You have or ride a couple bikes. 2. You are the just one that at any time rides your motorcycles. 3. You don’t require “full coverage” on any of your motorcycles.
cycle, trike, moped, scooter, and 4-wheeler insurance in Whatcom County

Just How Much Does Motorbike Insurance Cost?

Motorbike insurance can cost you less than $200 per year or be more than $2000 yearly depending upon six significant elements: your age, your driving record, your motorbike, your zip code, your selected insurance coverages, and the discounts you qualify for.
  • Your Age: Statistics tell the insurance provider that if you are under 25 you are more probable to have a wreck than if you are 30+.
  • Your Driving Record: If you have received speeding tickets or have been involved in an accident in the last few years, then your chances of having another accident are greater.
  • Your Cycle: Particular motorbikes seem to entice careless motorcyclists.
  • Your Garaging Address: Clogged, metropolitan areas also escalate your possibilities of being in a wreck.
  • Your Insurance Coverages: Naturally, if you buy added coverages your rate is going to be higher but much like when you purchase the bigger package at the food store, you likewise wind up paying less per $1,000 of insurance coverage. Increasing your liability insurance coverage from $25,000 per person to $50,000 per person would not double the cost yet probably increase it less than 20%.
  • Your Discounts: Every company makes available 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 course, Paid-in-full, Motorcycle organization membership, and more.
cycle, moped, trike, scooter, and ATV insurance in Whatcom County

What Company Has The Very Best Motorcycle Insurance Quotes?

Cycle insurance is not “One Size Fits All”. The very best cycle insurer for you will provide a policy that aligns with your particular needs. One call to us will get you all the quotes you need. As an independent agent, we quote you with several motorbike insurance companies to discover the very best match for you. Whether that’s protection for a custom motorbike or simply 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 various specialties giving you choices when you are shopping. Some of our insurance providers even provide an auto & motorcycle insurance bundle discount, saving money on both policies. This is a fantastic method to save cash on your motorcycle insurance policy.
motorbike, trike, moped, scooter, and ATV insurance in Whatcom County

Cycle Insurance Coverage for New Riders

Buying your very first cycle is a dream come true. Whether you are trying to find motorbike insurance as a 18 year old or have actually at long last saved up enough to purchase your first cycle or ATV/UTV, we can get you affordable motorbike insurance coverage. As a brand-new rider, you have less experience so insurers figure you are most likely to be in an accident and because of this will need you to pay more. Keep your record spotless and don’t get in any accidents and you should see your rate drop as you gain experience.
motorcycle, trike, moped, scooter, and 4-wheeler insurance in Whatcom County

About Whatcom County

Whatcom County is located in the U.S. state of Washington. As of the 2010 census, the population was 201,140. It is bordered by Metro Vancouver Regional District and Fraser Valley Regional District in Canada on the north, Okanogan County on the east, Skagit County on the south, and the Salish Sea on the west. The county seat and largest city is Bellingham.

The county was created from Island County by the Washington Territorial Legislature in March 1854. It originally included the territory of present-day San Juan and Skagit Counties, which were later organized after additional settlement. Its name derives from the Lummi word Xwotʼqom, meaning “noisy water.”

Whatcom County comprises the Bellingham, WA Metropolitan Statistical Area.

Source: Whatcom County, Washington in Wikipedia

Pulled over one too many times?

We Work For You – The coverage you want at a price you can afford

Top Cycle Repair & Gear Near Whatcom County

Kountry Customz
10 reviews
Car Stereo Installation, Auto Customization, Auto Security
+13603981129
5930 Guide Meridian Rd, Bellingham, WA 98226
F-W Towing
3 reviews
Towing
+16048504960
110-31236 Wheel Avenue, Abbotsford, BC V2T 6G9, Canada
Horton’s Towing
3 reviews
Towing
+13607331230
4056 Bakerview Valley Rd, Bellingham, WA 98226
West End Auto Body
2 reviews
Body Shops
+16047953513
45825 Airport Rd, Chilliwack, BC V2P 1A3, Canada

Top Places to See Near Whatcom County

Wake ‘n Bakery
55 reviews
Coffee & Tea, Bakeries, Breakfast & Brunch
6903 Bourne St, Glacier, WA 98244
Chair 9
103 reviews
Pizza, Pubs, Beer Bar
10459 Mt Baker Hwy, Glacier, WA 98244
Milano’s Restaurant
62 reviews
Italian, Pizza, Cocktail Bars
9990 Mount Baker Hwy, Glacier, WA 98244
Heliotrope Ridge Trailhead
4 reviews
Hiking, Climbing
Heliotrope Ridge Trailhead, Deming, WA 98244