The state of Washington offers motorcyclists fantastic scenery and many great rolling and twisting roads on which to ride. It is therefore little wonder that so many residents own bikes. A motorcycle insurance policy can protect you from liability as well as cover the investment you have made in your bike, so it is a good idea to compare several quotes in Washington before purchasing a policy. Whether you prefer riding along the Pacific coast or through the Cascade Mountains, the purchase of a comprehensive policy is a wise decision.
Every state has its own laws regulating motorcycle use. While Washington is one of the few states in the country that does not require owners of motorcycles, dirt bikes, sport bikes or choppers to carry liability insurance, the state does require all riders to have a motorcycle endorsement. Unfortunately, many riders in this state prefer not to wait for an opening in the state-approved safety course and ride without this important safety training. For your own safety, you should ride only with an endorsed motorcycle operator.
State laws pertaining to motorcycle ownership and operation include the following:
Washington is unique in that it does not require you to carry liability insurance coverage for your motorcycle. Many riders in this state therefore elect to forgo coverage. However, if you are responsible for an accident in which a third party suffers injuries or property damage, you may find yourself faced with unmanageable debts as a result.
According to FindLaw.com, non-fatal motorcycle accidents can cost anywhere from $2,500 to $1.2 million, depending on the severity of the injuries suffered. While your health insurance may provide coverage for your injuries, if you are responsible for injuries to another, you could be the target of a lawsuit to cover these exorbitant costs.
In addition, if you have spent a lot of money on your motorcycle and it sustains damage or complete destruction in an accident, you will have no way to get compensation for your losses without a comprehensive motorcycle insurance policy. Although you may save money now by passing on this coverage, it has the potential to save you thousands of dollars in the future.
You can expect a motorcycle insurance policy to offer the following coverage options:
Quotes for motorcycle insurance will vary significantly from one insurance company to the next, but you can expect a basic policy to start at around $40 a month. Insurers calculate rates based on the following considerations:
You may even be able to qualify for discounts on your policy. Some insurance providers offer reduced rates if you bundle your motorcycle insurance with other policies such as home or auto. Be sure to ask about available discounts when you call to request motorcycle insurance quotes in Washington.
If you comparison-shop for motorcycle insurance coverage on your own, you may find the process to be time-consuming and possibly even frustrating. This is because each insurer will need to collect details about you and your motorcycle before they can present you with rate quotes. Independent insurance agents in the Trusted Choice® network can simplify the process by taking your information just one time and then doing the legwork for you.
Discover how a Trusted Choice agent in Washington can help you. Contact a local member agent through our website so you can start comparing motorcycle insurance quotes.