Wilbur Motorcycle Insurance – Affordable Prices Insure Your Bike, Scooter, ATV, & Snowmachine

Instantaneous Evidence of Motorbike Insurance Coverage!

Are you searching for the best motorcycle insurance coverage in Wilbur? You have come to the ideal place. We have longstanding relationships with top-rated motorcycle insurance carriers so that we can find you the very best rate. Whether your ride is a street bike, a touring bike, a cruiser, a custom-made chopper, and even a moped or scooter, your cycle is associated with flexibility which brings excitement. However with this adventure comes unpredictability and because you never know what is around the next corner, the ideal protection will ensure you’re ready for it.

The motorcycle coverage you want at a cost you can handle

Do you just need the cheap motorbike insurance to be legal? We can help! Are you passionate about your bike? We can cover your motorcycle, your accessories, plus your riding gear. Picking the best 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 have a minimal level of liability coverage but greater limits are available and additional coverages are recommended. Make certain you go over all the offered alternatives with a trained insurance agent at our office.

Below is all you need to know to get the very best price on your bike insurance coverage:

Bad Cycle Wrecks - VIDEO

The coverage you want at a price you can afford

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Is Cycle Insurance Coverage Mandated in Washington State?

Motorcycle insurance is required in Washington state as of July 2019. The Washington state legislature passed and the Governor signed an amendment getting rid of the wording in the insurance coverage law excusing motorbikes from being forced to have insurance coverage.

If you trigger an accident and do not have insurance coverage, you could put you and your family in monetary risk for the damage done to others. Whether the accident is your fault or not, medical costs and lost earnings for you and any passengers might drive you to insolvency. Mandated or not, you would want to have cycle insurance so you can safeguard yourself from a liability lawsuit or an irresponsible motorist who crashes into you.

motorbike, moped, trike, scooter, and 4-wheeler insurance in Wilbur

What Motorbike Insurance Coverage Should I Get?

There are 3 coverages every motorcycle insurance plan ought to have: liability, uninsured motorist}, and medical protection.

Liability insurance coverage is the only protection that Washington state mandates you to have (effective July 2019). Liability protects you if you’re discovered at fault for an accident where another individual is hurt or their property is damaged.
Uninsured Motorist is, perhaps, the most important insurance coverage and is listed second simply due to the fact that you can not purchase it without first getting liability. With uninsured motorist, your insurance provider covers you and any others in your car 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 protection is an optional protection and covers any needed medical treatment for you and any others in your car up to the coverage amount you choose. This can be crucial if you do not have medical insurance to cover your medical costs or you have a high-deductible health insurance.

You might be shocked that comprehensive & collision (aka full coverage) are not on this list. These coverages are often required by loan providers if you get a loan to buy your bike. Yes, this coverage is very important to the bank however the 3 coverages above are far 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 family seriously, then insurance should be seen like protective equipment.

motorbike, trike, scooter, moped, and 4-wheeler insurance in Wilbur

Can You Insure My Classic Cycle?

Yes! If your cycle 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, trike, scooter, moped, and 4-wheeler insurance in Wilbur

What is BroadForm Motorcycle Insurance Coverage?

a Broad Form Cycle Insurance Policy is meant to supply the policy owner liability insurance coverage whatever motorbike they might ride. Comprehensive as well as collision insurance coverages (aka “full coverage”) that would pay to repair the bike in case of an accident, theft, or vandalism can not be included in a motorcycle broadform plan however Uninsured Motorist as well as Medical can be included. If you respond Yes to these three sentences, then Broad Form Bike Insurance policy could simply be perfect for you. 1. You own or ride a number of motorbikes. 2. You are the only one that ever rides your motorcycles. 3. You do not need “full coverage” on any one of your motorcycles.

cycle, moped, scooter, trike, and 4-wheeler insurance in Wilbur

How Much Does Motorcycle Insurance Coverage Cost?

Cycle insurance can cost you less than $200 yearly or be more than $2000 each year depending on 6 major factors: your age, your driving history, your motorbike, your hometown, your selected coverages, and the discounts you qualify for.

Your Age: Statistics inform the insurance provider 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 History: If you have accumulated speeding tickets or have already had a wreck in the last few years, then your probabilities of having another crash are higher.
Your Motorcycle: Some cycles seem to entice reckless motorcyclists.
Your Home Address: Congested, urban areas also increase your odds of being involved in a wreck.
Your Coverages: Of course, if you buy added coverages your rate will be higher but just like when you purchase the larger package at the grocery store, you likewise 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 cost but most likely elevate it less than 20%.
Your Discounts: Every insurer makes available 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, Cycle association membership, and others.

motorbike, scooter, trike, moped, and ATV insurance in Wilbur

Who Has The Best Motorcycle Insurance Rates?

Cycle insurance is not “One Size Fits All”. The very best motorcycle insurance company 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 numerous motorcycle insurers to discover the very best match for you. Whether that’s protection for a custom motorcycle or just 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 only get one quote from their brand. Each company we carry, Progressive, Safeco, Dairyland, and Foremost, has different specialties providing you choices when you are hunting. A few of our motorcycle insurance companies even use a car & motorcycle insurance bundle discount, marking down both policies. This is a great way to save cash on your motorcycle insurance plan.

motorbike, trike, scooter, moped, and ATV insurance in Wilbur

Cycle Insurance for New Riders

Buying your first motorcycle can be a dream come true. Whether you are looking for motorcycle insurance as a 19 year old or have at last saved up enough to buy your very first cycle or ATV/UTV, we can get you affordable motorcycle insurance coverage. As a new rider, you have less experience so insurance companies figure you are most likely to be in a crash and for that reason will need you to pay more. Keep your record clean and don’t get in any accidents and you ought to see your rate drop as you get experience.

motorcycle, moped, trike, scooter, and ATV insurance in Wilbur

Testimonials & Referrals

Daisy at Mid-Columbia insurance was great! It only took a couple of minutes on the phone to get me going. I would definitely recommend Mid-Columbia Insurance to others!

Aleasha deen

Daisy was completely helpful today! Every encounter with her is enjoyable. She is always easy to talk to, answers my questions (there are always many of them!), and is cheerful and funny. Always checks all the options for me and finds me the best deal! Thank you again for a job well done!

Timothy Escamilla

Estevan made sure I had insurance before getting off the phone with me

Bill Vill

About Wilbur

Wilbur is a town in Lincoln County, Washington, United States. The population was 884 at the 2010 census.

Just prior to the construction of the Central Washington Railroad line in 1889, no towns existed west of Davenport in Lincoln County. One place along the line, “Wild Goose Bill’s Ranch,” run by Samuel Wilbur Condit, was assigned a post office by the Federal government. Condit was 62 years old and known throughout the region as Wild Goose Bill when he and another man shot each other to death on Jan. 21, 1895 Condit platted the town that bears his middle name “Wilbur,” though he didn’t have anything to do with the naming. Goosetown was a consideration, until the blacksmith’s wife complained that she would never live in a place with such a silly name. Instead, the name Wilbur was chosen by town surveyors.

It had been located on the stage line between Davenport and the Mines in northern Washington and with the speculation of the railroad arriving soon seemed a likely place for a town. The town grew in earnest and was platted in April 1889. With the arrival of the railroad later that year, Wilbur’s growth increased rapidly with the establishment of bigger hotels, a bank, a lumber mill and countless other businesses. After several failed attempts to incorporate in 1889, Wilbur was officially incorporated on August 11, 1890. The boom had slowed by 1891 and came to a halt with the Panic of 1893. A fire in October 1891 caused damage to the town, killing 4.

Source: Wilbur, Washington in Wikipedia