Motorcycle Insurance Beaverton, OR
From potholes to distracted drivers, motorcyclists in Beaverton, OR have to deal with many risks every time they hit the road. Motorcycle insurance from Schmidt Insurance Group can cover damage to your ride, theft or vandalism, and injuries sustained in an accident.
Schmidt Insurance Group opened its doors in Lake Oswego in 2019 with a goal of making insurance simple, transparent, and affordable and providing exceptional customer service. We are born-and-raised Oregonians who proudly serve the local Portland area as well as the states of Oregon and Washington. We are specially trained in high-net-worth households and can help you find the exact amount of coverage you need.
What Does Motorcycle Insurance Cover?
Motorcycle and auto insurance are pretty similar. Both of them protect your vehicle if it’s stolen or damaged, and both provide coverage for medical and liability expenses if you, a passenger, or someone else is hurt in an accident. Coverage categories often include:
- Liability insurance: Liability coverage can cover the costs if you cause an accident, damage someone’s property, or injure someone while on your bike.
- Personal injury protection (PIP): If you’re concerned about wiping out, increase your personal injury protection coverage. It covers medical expenses, lost income, and related damages that you cause to yourself or people riding with you.
- Collision insurance: No matter who is at fault, this coverage can help pay to repair your damaged bike after a collision with another vehicle or object, such as a fence.
- Comprehensive insurance: This coverage protects you in the event of non-collision damage, such as damage to your bike from vandalism, fire, or theft.
- Uninsured/underinsured motorist coverage: This coverage can help cover your costs if another driver causes an accident but does not have liability insurance or can’t cover the full cost of the damages or injuries they cause to you or your motorcycle.
How Does Motorcycle Insurance Cost?
Motorcycle insurance rates will vary depending on the coverages you choose and other factors, such as your driving record, age, and credit history.
The type of bike you ride could also affect your rates. For instance, a custom motorcycle may require a higher premium due to its unique, one-of-a-kind parts. Expensive bikes, like those with larger engines and high-priced builds, will usually be more expensive to insure.
Younger drivers will typically pay higher premiums because they’re considered riskier and less experienced. Bikers with poor driving records will pay much more than those with spotless records. You’ll pay more if you live in a densely populated area due to the greater risk of theft and collisions.
We understand you probably have more questions, whether you just bought a new motorcycle or have owned one for a while and are thinking about changing insurance providers. The Schmidt Insurance Group team is ready to help.
Whether you have a Harley or a Vespa in Beaverton, OR, Schmidt Insurance Group will help you find the right motorcycle insurance so that you can ride safe. Stop by our office today and introduce yourself, or call us at (503) 206-0881 for more information.
