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Whidbey Island Motorbike Insurance – Low Prices Insure Your Cycle, Moped, Side x Sides, & Snowmobile

Instant Proof of Motorbike Insurance!

Are you looking for the most affordable cycle insurance in Whidbey Island? You have come to the best agency. We have cultivated longstanding relationships with outstanding cycle insurance companies so that we can find you the best rate. Whether your cycle is a street bike, a touring bike, a cruiser, a customized chopper, or perhaps a moped or scooter, your ride is synonymous with liberty which brings excitement. But with this adventure comes unpredictability and given that you never can forsee what lies over the next hill, the right protection will ensure you’re prepared for it.

The motorcycle protection you want at a price you can afford

Do you simply need the affordable cycle insurance to be legal? We can assist! Are you enthusiastic about your motorbike? We can cover your bike, your accessories, and also your riding gear. Choosing the right protection is similar to selecting the best bike. You want it to fit your needs and your way of life but also to be within your budget. The state requires you carry a minimal amount of liability protection but greater levels are available and other coverages are suggested. Make sure you discuss all your available choices with a trained agent at our office.

Below is everything you must understand to get the very best price on your motorbike insurance:

Scary Cycle Wrecks - VIDEO

Is Motorbike Insurance Required in Washington State?

Motorcycle insurance is required in Washington state as of July 2019. Washington state passed and the Governor signed an amendment getting rid of the phrasing in the insurance law exempting motorbikes from being required to have insurance.
If you trigger a crash and do not have insurance, you could put you and your family in financial danger for the damage caused to others. Also, whether the crash is your fault or not, medical costs and lost wages for you and any occupants of your car might drive you to bankruptcy. Required or not, you would want to have motorbike insurance coverage so you can protect yourself from a liability lawsuit or an irresponsible driver who hits you.
cycle, trike, moped, scooter, and 4-wheeler insurance in Whidbey Island

What Cycle Insurance Coverage Should I Get?

There are 3 coverages every cycle insurance policy needs to have: liability, uninsured motorist}, and medical.
  • Liability insurance is the only protection that Washington state requires you to have (effective July 2019). Liability safeguards you if you’re found at fault for a crash where another individual is injured or their property is harmed.
  • Uninsured Motorist is, probably, the most essential insurance coverage and is listed second simply due to the fact that you can not get it without buying liability. With uninsured motorist, your insurer covers you and any passengers as if they are the uninsured chauffeur’s insurer.In their October 2017 report, the Insurance Research Council reported that 17.4% of Washington drivers are uninsured.
  • Medical payments is an optional protection and pays for any needed 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 plan.
You might be amazed that comprehensive & collision (aka full coverage) are not on this list. These protections are often required by lenders if you take out a loan to purchase your motorcycle. So yes, this protection is really important to the bank however the three coverages above are much more most likely to keep you from personal bankruptcy in the event 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 may be hospitalized for months. Riding safe means wearing the best protective equipment. If you take your safety and the financial security of your loved ones seriously, then insurance coverage must be seen like protective gear.
cycle, trike, moped, scooter, and 4-wheeler insurance in Whidbey Island

Can I Insure My Custom Bike?

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?
cycle, scooter, moped, trike, and ATV insurance in Whidbey Island

What is a Broad Form Motorbike Insurance Policy?

a Broad Form Cycle Insurance Policy is meant to supply the policy owner liability insurance coverage no matter what motorcycle they may ride. Comprehensive and also collision insurance coverages (also known as “full coverage”) that would pay to repair the bike in case of an accident, theft, or vandalism can not be added to a cycle broadform policy but Uninsured Motorist as well as Medical can be included. If you answer Yes to these three sentences, then Broad Form Bike Insurance might simply be ideal for you. 1. You have or ride multiple motorcycles. 2. You are the just one who ever rides your cycles. 3. You do not require “full coverage” on any one of your bikes.
cycle, moped, trike, scooter, and 4-wheeler insurance in Whidbey Island

Just How Much Does Motorcycle Insurance Cost?

A Motorbike insurance policy can cost you less than $200 annually or be more than $2000 annually depending on 6 significant factors: your age, your driving record, your motorcycle, your hometown, your selected insurance coverages, and the discounts for which you qualify.
  • Your Age: Stats tell the insurer that if you are under 25 you are more likely to have a wreck than if you happen to be 30+.
  • Your Driving History: If you have received speeding tickets or have already had a wreck in the last few years, then your odds of having another crash are greater.
  • Your Motorcycle: Some cycles appear to entice reckless bikers.
  • Your Garaging Address: Clogged, metropolitan areas also escalate your chances of being in a crash.
  • Your Coverages: Of course, if you choose extra insurance coverages your price will be more but just like when you buy the larger package at the food store, you also wind up paying less per $1,000 of insurance. Increasing 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 company makes available different combinations of discounts. The more that match up with your circumstances, the more likely you will end up paying less. Some discounts available: Multiple cycle, Multiple policy, Claim-free, Safety course, Paid-in-full, Motorcycle association membership, and more.
cycle, scooter, moped, trike, and ATV insurance in Whidbey Island

What Company Has The Very Best Motorbike Insurance Rates?

Cycle insurance is not “One Size Fits All”. The best motorcycle insurance provider for you will offer a policy that lines up with your particular requirements. One call to us will get you all the quotes you require. As an independent agent, we quote you with multiple motorbike insurance companies to find the very best match for you. Whether that’s coverage for a custom motorcycle or simply the minimum Washington state requirements so you are legal. If you call some of the ‘name brand’ providers 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 different specialties giving you options when you are hunting. A few of our motorcycle insurers even use an auto & motorcycle insurance package discount, marking down both policies. This is an excellent method to save cash on your motorcycle insurance policy.
cycle, trike, scooter, moped, and ATV insurance in Whidbey Island

Cycle Insurance for New Riders

Buying your first motorbike can be a dream come true. Whether you are searching for cycle insurance coverage as a 20 year old or have finally saved up enough to purchase your first motorbike or ATV/UTV, we can get you inexpensive motorbike insurance coverage. As a new rider, you have less experience so insurance providers figure you are most likely to be in an accident and for that reason will need you to pay more. Keep your driving record clean and don’t get in accidents and you ought to see your rate drop as you get experience.
cycle, trike, moped, scooter, and ATV insurance in Whidbey Island

About Whidbey Island

Whidbey Island (historical spellings Whidby, Whitbey, or Whitby) is the largest of the islands composing Island County, Washington, in the United States. (The other large island is Camano Island, east of Whidbey.) Whidbey is about 30 miles (48 km) north of Seattle, and lies between the Olympic Peninsula and the I-5 corridor of western Washington. The island forms the northern boundary of Puget Sound. It is home to Naval Air Station Whidbey Island.

Whidbey Island is home to 67,000 residents (according to the 2000 census). An estimated 29,000 of Whidbey Island residents live in rural locations.

Whidbey Island is approximately 55 miles (89 km) long (if measured along roads traveled from the extreme north to extreme south), or about 37 miles (60 km) when measured along a straight line from north to south, and 1.5 to 10 miles (2.4 to 16.1 km) wide, with a total land area of 168.67 square miles (436.9 km2), making it the 40th largest island in the United States. It is ranked as the fourth longest and fourth largest island in the contiguous United States, behind Long Island, New York;Padre Island, Texas (the world’s longest barrier island); and Isle Royale, Michigan. In the state of Washington, it is the largest island, followed by Orcas Island.

Source: Whidbey Island, Washington in Wikipedia

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