Motorcycle Insurance West Linn, OR
At Schmidt Insurance Group, we understand that you love your motorcycle and are looking for insurance that fits you and your wallet. We offer specialized coverage in West Linn, OR for the majority of bikes on the road, from cruisers to sport bikes, scooters, modified bikes, dirt bikes, classic motorcycles from the ‘50s, and customized motorcycles.
About Us
Schmidt Insurance Group opened its doors in 2019 with a goal of simplifying insurance while providing exceptional customer service. We proudly serve our local Lake Oswego area as well as the entire states of Oregon and Washington. Our office is full of born-and-raised Oregonians!
Motorcycle insurance protects you from financial liability if you cause an accident while on your motorcycle, and it can also pay for damage to your bike. At Schmidt Insurance Group, our team is specially trained in high-net-worth households and can help you find the exact amount of coverage you need.
Motorcycle Insurance Guide
Motorcycle insurance is similar to an auto insurance policy. It may include various coverages such as:
- Bodily Injury / Property Damage Liability Coverage: Liability coverage is an excellent way to protect your assets if you are determined to be at-fault in an accident, damage someone’s property, or injure someone while on your motorcycle.
- Collision / Comprehensive Coverage: No matter who is at fault, collision coverage pays to repair your damaged bike after a collision with another vehicle or object, such as a fence. Comprehensive coverage protects you in the event of non-collision damage, such as if your motorcycle is damaged or destroyed by a fire, or stolen.
- Uninsured / Underinsured Motorist Coverage (UM/UIM): This coverage can help cover your costs if another driver causes an accident but does not have the insurance or resources to pay for the damages and/or injuries they are legally liable for, including medical payments and lost wages. This may be the single most important coverage you can have on your motorcycle policy.
- Custom Parts and Equipment: Consider adding this optional coverage to your policy cover the custom parts, accessories, or features you’ve added to your bike that may exceed $1,000 in value. (Custom parts and equipment valued at less than $1,000 are typically covered under comprehensive coverage.) This coverage also covers sidecars, trailers designed to be pulled by a motorcycle, custom paint jobs, safety riding gear and helmets, and trike conversion kits.
Is Motorcycle Insurance Expensive?
Just like car insurance, the cost of motorcycle insurance will vary based on factors like your age, where you live, your driving record, and the type of bike you own.
Young drivers will typically pay higher premiums because they are less experienced and considered a bigger risk to insure. Bikers with poor driving records will pay much more than those with spotless records. Bikers who live in densely populated areas will also pay more because of the greater risk of theft and collisions. And expensive bikes, like those with larger engines and high-priced builds, are typically more expensive to insure.
Will I Qualify for Any Discounts?
Many insurers offer a variety of ways you can get a discount on your motorcycle insurance. They include owning a home, taking motorcycle safety courses, having a good record, or bundling the policy with another vehicle such as a car, RV, or ATV. At Schmidt Insurance Group, if you qualify for a discount, we’ll help you get it!
Schmidt Insurance Group covers everything from home to auto, life to business, and RV to motorcycle insurance for residents of West Linn, OR. The more you cover with us, the more you save! Get in touch with us at (503) 206-0881 to explore your options.
