Brookey Insurance Services - Motorcycles
Motorcycle Insurance Coverages
Cruise the highways with confidence knowing that Brookey found you the best deal in Washington on motorcycle insurance!
Take the bike out for the weekend with friends?
Using a Motorcycle for your daily commute?
Brookey has motorcycle insurance as Custom as your ride!
Washington State Riders Often Ask:
- Is Motorcycle Insurance required in WA?
- Does my Auto policy cover my bike?
As of July 2019 motorcycles are required under Washington state law to have liability insurance. We can help you bundle your auto, motorcycle, and other insurance to save you time and money.
At Brookey Insurance Services, we work with a number of carriers to provide you with competitive insurance quotes so you get the coverage need at a price you can afford.
If you own multiple vehicles, are looking to bundle your Renters or Homeowners insurance, or even want to add coverage for another Motorcycle, RV, or Boat, then we would be happy to talk about finding the right coverage for you or compare to what you have now.
What We Do
Our motorcycle insurance process is very similar to our automotive policy process! We start with a conversation about you, your motorcycle, your desired coverages, and how you plan on using your motorcycle. Are you a weekend cruiser or a daily commuter? From a fully-custom Bobber to a hog, or a streamlined street bike, we have a lane for you.
After getting to know you, your bike, and your plans, we reach out to all our insurance partners that offer motorcycle coverage. Based on your needs, we’ll reach out to our preferred partners that have served our motorcycle coverage clients the best over the years to get you the best coverage at the best prices.
Interpreting an insurance policy can feel like reading a foreign language, but luckily our team is fluent in insurance! We’ll walk you through the different policy options, what is/isn’t covered, and the prices for each policy we present to help you make an informed decision on which policy is best for you!
Coverage For Your Lifestyle
How you use your motorcycle is unique to your lifestyle, and we think your insurance quote should be as individual as you are! Our Insurance Agents can present you with options to cover a variety of bikes and their riders. More of a weekend adventurer on two wheels? We can get you a policy for that.
Do you use your bike as a daily commuter? We can not only get you a policy to cover that, but possibly a lower rate on your car insurance since you don’t drive it as much.
Customize It!
“My bike is modified, are my upgrades covered?”
Typically if your modifications don’t make your bike unsafe, our insurance partners will work with you to cover those modifications through add-on coverage. This may impact your rates monthly, but it’s better to have them covered than not be covered at all!
Coverage For Your Lifestyle
How you use your motorcycle is unique to your lifestyle, and we think your insurance quote should be as individual as you are! Our Insurance Agents can present you with options to cover a variety of bikes and their riders. More of a weekend adventurer on two wheels? We can get you a policy for that.
Do you use your bike as a daily commuter? We can not only get you a policy to cover that, but possibly a lower rate on your car insurance since you don’t drive it as much.
Customize It!
“My bike is modified, are my upgrades covered?”
Typically if your modifications don’t make your bike unsafe, our insurance partners will work with you to cover those modifications through add-on coverage. This may impact your rates monthly, but it’s better to have them covered than not be covered at all!
Don't Just Take Our Word For it:
Our Customers Say...
Of course we think we’re a great Insurance Agency, luckily so do lots of other people!
Danyelle gives a world class customer service experience. She is speedy and seems to always provide the best quotes for my clients. You can always reach her or her office at any point in the day. It’s rare to find a company that truly strives to take care of their clients 24/7. Brookey Insurance is very lucky to have someone like Danyelle on their team!
Tiana Goode
- Bonney Lake WA
I have been with Brookey Insurance Services for over 4 years. They have handled all of my insurance needs from Auto Insurance to Renters Insurance to Home Owner Insurance. Kim and Staff have performed their duties in a professional courteous manner with service that is top notch. Highly recommend.
Darin K.
- Federal Way WA
- Based On 231 Reviews
Brookey Insurance Services - Motorcycles
Coverages:
What you need to know...
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This resource is offered as a of collection available info. It’s not meant to constitute legal advice and we don’t guarantee that’s it’s 100% up to date at the time you view this page.
If it has two (or three) wheels and an engine, chances are, we can cover it! Whether you’re putting around town on your moped or riding down an open highway on your Harley, we can find you the right policy! Dirt bikes, scooters, custom bikes, classic bikes, and more, are all covered by our partners!
Yes, motorcycle insurance is required in Washington! As of July 28th, 2019 motorcycles are no longer exempt from the mandatory auto insurance law. For a full list of details on the law, check out this helpful article from the Office of the Washington State Insurance Commissioner.
As long as your insurance provider also offers motorcycle insurance, you sure can! To find out if you can bundle motorcycle insurance with your other insurance policies, give us a call or email us and we’ll do some digging for you!
We sure do! Check out our ATV Insurance page for the details on our ATV, UTV, and side-by-side insurance coverages!
This entirely depends on your policy and selected coverage limits. If you went with the lowest cost, minimum coverage plan, other riders may not be covered. The only way to know for sure if a passenger is covered in your policy is to review your policy with one of our agents, or select a policy with us that you know covers a passenger.
Sometimes a rate that is “too good to be true” really is too good to be true! Pay close attention to the extremely low rate quotes you receive to ensure it meets your needs. If you know your policy renewal is coming up, make sure you start shopping in advance to prevent a lapse of coverage for your rides!
This is a case-by-case basis depending on your policy and your carrier. Oftentimes the carriers and policies that cover track day usage are going to have exclusions and fine print. With such a large variance in coverage options, it’s best that you speak with one of our agents about your needs to get more information on whether you are covered on track days or not.
It’s no secret that riding a motorcycle comes with a lot of risk. Other drivers are notorious for not paying attention to riders! Add in the small size, lack of safety devices, and potential high speed, and you have a perfect storm for an accident. Make sure you’re covered in the event of an accident, theft, and more by having a policy to protect you both on and off the road.
Washington state’s mandatory liability insurance law , which is under the authority of the Washington State Department of Licensing, requires anyone who drives a motor vehicle or a motorcycle (effective July 28, 2019) in our state to do one of the following options:
- Carry liability insurance with liability limits of at least:
- $25,000 for injuries or death to another person
- $50,000 for injuries or death to all other people
- $10,000 for damage to another person’s property
- Apply for a certificate of deposit to pay for your liability insurance with the Department of Licensing (www.dol.wa.gov).
- Have a liability bond of at least $60,000 filed by a surety bond company that’s authorized to do business in Washington.
- Self-insure if you have 26 or more vehicles. For more information or to see if you qualify for this option, contact the Department of Licensing.
