(509) 783-5600 [email protected]

Yakima Motorcycle Insurance – Low Quotes Insurance for Your Cycle, Scooter, Side x Sides, & Snowmachine

Instant Evidence of Motorcycle Insurance!

Are you searching for the cheapest cycle insurance in Yakima? You have actually found the right agency. We have developed longstanding partnerships with premier motorbike insurance carriers in order that we can find you the 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 bike is synonymous with flexibility which brings enjoyment. However with this adventure comes unpredictability and given that you never can forsee what is around the next corner, the best coverage will make sure you’re ready for it.

The motorbike coverage you desire at a cost you can afford

Do you just require the general cycle insurance to get legal? We can assist! Are you enthusiastic about your cycle? We can cover your cycle, your accessories, plus your riding gear. Choosing the right coverage is similar to selecting the right bike. You want it to fit your needs and your lifestyle however also to be within your budget. The state requires you have a minimal amount of liability protection but higher limits are available and other protections are recommended. Make certain you go over all your available options with a licensed insurance agent at Mid-Columbia Insurance.

Below is everything you must understand to get the best rate on your motorbike insurance coverage:

Crazy Motorbike Accidents - VIDEO

Is Cycle Insurance Required in Washington State?

Cycle insurance coverage is required in Washington state as of July 2019. Washington state passed and the Governor signed a change getting rid of the wording in the insurance law exempting cycles from being required to have insurance coverage.
If you trigger an accident and do not have insurance coverage, you might put you and your loved ones in financial risk for the damage done to others. the crash is your fault or not, medical expenses and lost earnings for you and any occupants of your car might drive you to insolvency. Required or not, you would want to have motorbike insurance so you can safeguard yourself from a liability lawsuit or an irresponsible driver who crashes into you.
motorbike, moped, trike, scooter, and 4-wheeler insurance in Yakima

What Motorbike Insurance Should I Get?

There are 3 coverages every bike insurance policy needs 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 coverage safeguards you if you are discovered at fault for an accident where another person is hurt or their property is harmed.
  • Uninsured Motorist is, arguably, the most essential insurance protection and is listed second simply because you can not get it without buying liability. With uninsured motorist, your insurance provider covers you and any others in your car as if they are the uninsured chauffeur’s insurance company.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 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 medical insurance to cover your medical costs or you have a high-deductible health insurance.
You might be surprised that comprehensive & collision (aka full coverage) are not on this list. These protections are often required by lending institutions if you take out a loan to buy your motorbike. Yes, this coverage is very essential to the bank however the 3 protections above are much more most likely to keep you from insolvency in case of an accident. Let’s face it. All motorcyclists are at the mercy of other drivers. This is not a computer game where you can reset the game and start over. If you get hit, you may be hospitalized for months. Riding safe means wearing the best protective equipment. If you take your safety and the financial safety of your family seriously, then insurance must be viewed like protective gear.
motorcycle, moped, trike, scooter, and ATV insurance in Yakima

Can I Insure My Moped?

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?
motorcycle, moped, trike, scooter, and 4-wheeler insurance in Yakima

What is Broad Form Motorcycle Insurance?

BroadForm Cycle Insurance Coverage is designed to supply the policy owner liability insurance regardless of what motorbike they might ride. Comprehensive and also collision insurance coverages (also known as “full coverage”) that would pay to deal with the bike in case of a crash, theft, or vandalism can not be included in a cycle broadform policy however Uninsured Motorist and Medical can be included. If you answer Yes to these 3 statements, then Broad Form Bike Insurance policy could simply be appropriate for you. 1. You have or ride a couple cycles. 2. You are the only one who ever rides your motorcycles. 3. You don’t require “full coverage” on any one of your motorbikes.
cycle, scooter, moped, trike, and ATV insurance in Yakima

Just How Much Does Motorbike Insurance Cost?

Motorbike insurance coverage can cost you less than $200 annually or be greater than $2000 per year depending upon 6 significant factors: your age, your driving record, your motorcycle, your home town, your chosen insurance 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 a crash than if you are 30+.
  • Your Driving Record: If you have accumulated speeding tickets or have been involved in a wreck in the last few years, then your chances of having another wreck are greater.
  • Your Motorcycle: Certain motorcycles seem to attract reckless riders.
  • Your Garaging Address: Crowded, urban areas also boost your odds of being in a wreck.
  • Your Coverages: Obviously, if you choose added insurance coverages your rate is going to be increased however much like when you buy the larger package at the supermarket, you also wind 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 price however possibly raise it less than 20%.
  • Your Discounts: Every insurance company gives 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 cycle, Multiple policy, Claim-free, Safety course, Paid-in-full, Motorcycle association membership, and others.
cycle, moped, trike, scooter, and 4-wheeler insurance in Yakima

Who Has The Very Best Motorcycle Insurance Rates?

Cycle insurance coverage is not “One Size Fits All”. The very best motorcycle insurance company for you will feature a policy that aligns with your particular requirements. One call to us will get you all the quotes you require. As an independent agent, we quote you with numerous motorbike insurance providers to find the best match for you. Whether that’s protection for a customized cycle 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 different specialties giving you options when you are hunting. Some of our insurers even use an automobile & motorcycle insurance package discount, marking down both policies. This is a terrific method to save money on your motorcycle insurance plan.
cycle, moped, trike, scooter, and ATV insurance in Yakima

Cycle Insurance for New Riders

Buying your very first cycle can be a dream come true. Whether you are looking for motorbike insurance as a 21 year old or have finally saved up enough to buy your very first motorbike or ATV/UTV, we can get you low-cost cycle insurance. As a brand-new rider, you have less experience so insurers figure you are more likely to be in an accident and for that reason will require you to pay more. Keep your record clean and avoid getting in any accidents and you will see your rate drop as you acquire experience.
motorbike, scooter, trike, moped, and 4-wheeler insurance in Yakima

About Yakima

Yakima ( or /ˈjækɪmə/) is a city in and the county seat of Yakima County, Washington, and the state’s eleventh-largest city by population. As of the 2010 census, the city had a total population of 91,067 and a metropolitan population of 243,231. The unincorporated suburban areas of West Valley and Terrace Heights are considered a part of greater Yakima.

Yakima is about 60 miles (100 kilometers) southeast of Mount Rainier in Washington. It is situated in the Yakima Valley, a productive agricultural region noted for apple, wine, and hop production. As of 2011, the Yakima Valley produces 77% of all hops grown in the United States. The name Yakima originates from the Yakama Nation Native American tribe, whose reservation is located south of the city.

The Yakama people were the first known inhabitants of the Yakima Valley. In 1805, the Lewis and Clark Expedition came to the area and discovered abundant wildlife and rich soil, prompting the settlement of homesteaders. A Catholic Mission was established in Ahtanum, southwest of present-day Yakima, in 1847. The arrival of settlers and their conflicts with the natives resulted in the Yakima War. The U.S. Army established Fort Simcoe in 1856 near present-day White Swan as a response to the uprising. The Yakamas were defeated and forced to relocate to the Yakama Indian Reservation.

Source: Yakima, Washington in Wikipedia

Pulled over one too many times?

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

Top Motorbike Repair & Gear Near Yakima

Owens Cycle
5 reviews
Motorcycle Dealers, Motorcycle Repair
+15095751916
1707 N 1st St, Yakima, WA 98901
Speed Motor Sports
3 reviews
Motorcycle Dealers, Motorcycle Repair, Motorcycle Gear
+15094537223
2633 Main St, Union Gap, WA 98903
Leather In Motion
2 reviews
Leather Goods, Motorcycle Dealers
102 S 1st St, Yakima, WA 98901
Chris’recovery Shop
3 reviews
Furniture Reupholstery, Auto Upholstery
+15094532172
1418 E Nob Hill Blvd, Yakima, WA 98901

Top Things to Do Near Yakima

Cowiche Canyon Kitchen & Icehouse Bar
744 reviews
American (Traditional), Bars
202 E Yakima Ave, Yakima, WA 98901
White House Cafe
225 reviews
Breakfast & Brunch, Cafes
3602 Kern Rd, Yakima, WA 98902
Crafted
132 reviews
Desserts, Bars, American (New)
22 N 1st St, Yakima, WA 98901
Antojitos Mexicanos
217 reviews
Mexican
3512 Summitview Ave, Yakima, WA 98902