Yakima Motorbike Insurance – Low Rates
Insurance for Your Cycle, Scooter, ATV, & Snowmobile

Instant Evidence of Motorcycle Insurance Coverage!

Are you trying to find the most budget-friendly motorcycle insurance in Yakima? You have actually found the right place. We have established longstanding relationships with top-rated cycle insurance providers so that we can find you the very best rate.

Whether your cycle is a street bike, a touring bike, a cruiser, a custom chopper, and even a moped or scooter, your ride is associated with liberty which brings enjoyment. However with this adventure comes unpredictability and since you never ever can forsee what lies over the next hill, the right coverage can make sure you’re ready for it.

The motorcycle protection you want at a cost you can handle

Do you simply need the affordable cycle insurance coverage to be legal? We can help!
Are you enthusiastic about your bike? We can cover your cycle, your accessories, and also your riding gear.

Choosing the best protection is like picking 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 have a minimal level of liability protection yet greater levels are available and additional coverages are suggested. Ensure you go over all the offered alternatives with a professional insurance agent at our office.

Listed below is all you need to know to get the very best cost on your cycle insurance coverage:

Crazy Motorbike Wrecks - VIDEO

Is Motorcycle Insurance Required in Washington State?

Cycle insurance is required in Washington state since July 2019. Washington state passed and the Governor signed an amendment getting rid of the phrasing in the insurance law excusing motorcycle owners from being required to carry insurance coverage.

If you trigger an accident and do not have insurance coverage, you might put you and your family in financial danger for the damage caused to others. the accident is your fault or not, medical expenses and lost wages for you and any passengers could drive you to insolvency.

Required or not, you would want to have motorbike insurance so you can protect yourself from a liability suit or a reckless motorist who hits you.

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

What Motorbike Insurance Should I Get?

There are 3 insurance 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 carry (effective July 2019). Liability insurance safeguards you if you’re discovered at fault for a crash where another individual is injured or their property is damaged.
  • Uninsured Motorist is, perhaps, the most essential insurance coverage and is listed second only due to the fact that you can not buy it without buying liability. With uninsured motorist, your insurance company 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 coverage 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 pick. This can be essential if you don’t have medical insurance to cover your medical costs or you have a high-deductible health insurance.

You might be amazed that comprehensive & collision (aka full coverage) are not on this list. These coverages are frequently required by lenders if you get a loan to buy your cycle. So yes, this coverage is very crucial to the bank however the 3 coverages above are a lot more likely to keep you from personal bankruptcy in case of a crash.

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 means using the right protective equipment. If you take your safety and the financial safety of your family seriously, then insurance coverage should be viewed as protective gear.

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

Can I Insure My UTV?

Yes! If your bike 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?
motorcycle, trike, moped, scooter, and 4-wheeler insurance in Yakima

What is BroadForm Motorcycle Insurance?

BroadForm Motorbike Insurance Coverage is meant to supply the policy owner liability insurance coverage whatever cycle they may ride.

Comprehensive and collision coverages (also known as “full coverage”) that would pay to fix the bike in case of an accident, theft, or vandalism cannot be added to a cycle broadform plan however Uninsured Motorist and Medical can be included.

If you respond Yes to these 3 sentences, then Broad Form Motorcycle Insurance may simply be right for you.
1. You own or ride numerous cycles.
2. You are the only one who at any time rides your cycles.
3. You don’t need “full coverage” on any of your bikes.

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

Just How Much Does Motorcycle Insurance Coverage Cost?

A Motorcycle insurance policy can cost you less than $200 annually or be greater than $2000 yearly depending upon 6 significant factors: your age, your driving record, your motorbike, your zip code, your selected coverages, and the discounts for which you qualify.

  • Your Age: Stats tell the insurance company that if you are under 25 you are more likely to have a wreck than if you are 30+.
  • Your Driving Record: If you have collected speeding tickets or have been involved in an accident in the last couple years, then your probabilities of having another wreck are higher.
  • Your Cycle: Certain bikes appear to encourage negligent motorcyclists.
  • Your Garaging Address: Clogged, urban areas also boost your odds of being in a wreck.
  • Your Insurance Coverages: Obviously, if you choose extra insurance coverages your price will be higher but similar to when you buy the larger package at the supermarket, you also end up paying less per $1,000 of insurance. For example, doubling your liability protection from $25,000 per person to $50,000 per person will not double the price but possibly elevate it less than 20%.
  • Your Discounts: Every insurance company gives various combinations of discounts. The more that match up with your situation, 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 organization membership, and more.
cycle, trike, moped, scooter, and ATV insurance in Yakima

What Company Has The Best Motorbike Insurance Prices?

Motorbike insurance is not “One Size Fits All”. The very best motorbike insurance company for you will offer a policy that aligns with your specific needs. One call to us will get you all the quotes you need. As an independent agent, we quote you with numerous cycle insurers to discover the best match for you. Whether that’s coverage for a custom motorbike or simply the minimum Washington state requirements so you are legal.

If you call one of the ‘name brand’ providers such as State Farm, Allstate, Farmers, Geico, or Markel, you just get one quote from their brand. Each insurer we represent, Progressive, Safeco, Dairyland, and Foremost, has various specialties providing you options when you are hunting.

Some of our insurance providers even offer an automobile & cycle insurance bundle discount, saving money on both policies. This is a great method to save cash on your cycle insurance policy.

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

Cycle Insurance for New Riders

Buying your very first cycle is a dream come true. Whether you are looking for motorbike insurance coverage as a 21 year old or have finally saved up enough to purchase your very first motorcycle or ATV/UTV, we can get you the best motorbike insurance.

As a new rider, you have less experience so insurance providers figure you are most likely to be in an accident and because of this will require you to pay more. Keep your driving record clean and avoid getting in any wrecks and you will see your rate drop as you acquire experience.

motorcycle, scooter, moped, trike, 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

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