Motorcycle Insurance Boulder, CO
Boulder Colorado Insurance Requirements
In every state, liability insurance is required. Liability insurance is coverage that if you are found responsible for an accident, that you are covered when paying the expenses for the other party in the crash.
While Colorado’s car liability requirement limit is 25 / 50 / 25.
This means that you will be required to hold at least :
|Bodily Injury||Bodily Injury for Multiple People||Property Damage|
As a client, you are always able to increase your liability limits if you wish to do so. Raising liability limits is always recommended since typically accidents that are caused, are in a greater value than what is required.
This means that the remainder of the accident cost after insurance will be needed to be paid in another form, even if it’s out of your own pocket..
Motorcycle Insurance Boulder Coverages
In addition to liability, there are extra coverages you can add onto your motorcycle insurance Boulder policy.
Coverages can include but are not limited to:
|Comprehensive||When damage occurs to the motorcycle from external factors such as theft, vandalism, an animal, tree branch, fire, etc. The carrier will help pay for the cost after you pay your deductible.|
|Collision||When damage is done to the motorcycle by colliding with another car or object, whether it was parked or moving during the incident. The carrier will help cover the costs after a deductible is paid first.|
|Medical Payments||Helps cover medical expenses when in the case of an accident.|
|Roadside Assistance||Helps to cover towing when in the case of your motorcycle breaking down.|
Depending on which carrier that you ultimately go with, they may offer additional types of coverage with the policy. The coverages listed above are pretty standard amongst all carriers when it comes to a motorcycle insurance Boulder policy.
Motorcycle Insurance Boulder – Violations
Of course, violations can cause your motorcycle insurance Boulder rates to increase, but which violations impact the rate more than others? Speeding of course can be a big factor driving the rate up.
In addition, a DUI, and no proof of insurance can be a large factor as well. Getting pulled over for these violations could result in a SR22 filing being required on your policy.
|Violation Name||Major, Minor, or Non Moving||How Long it Will Affect Your Insurance Rates|
|Running a Traffic Light or Stop Sign||Minor||3 Years|
|Using a Cell Phone with Driving||Minor||3 Years|
|Failure to maintain Clear Distance (tailgating||Minor||3 Years|
|At Fault Accident||Major||5 Years|
|Failure to Secure Load to truck/trailer||Minor||3 Years|
|No Proof of insurance||Non Moving||NA*|
|Reckless Driving||Major||5 Years|
|Failure to Use a Seat Belt||Non Moving||NA*|
|Failure to Stop for a Pedestrian Side walk||Minor||3 Years|
As the old saying goes, “Don’t do the crime, if you can’t do the time.”
We are all human and mistakes happen. However, due to our mistakes, we do have to pay for the consequences of them. The reason that some of the violations can last up to ten years is to ensure that you will not repeat the same mistake once more.
Motorcycle Insurance Boulder – Scenic Drives
Boulder is yet another gorgeous spot in Colorado. It too is full of scenic routes and even better when you are on your motorcycle riding through those beautiful scenic routes! Some of the best ones are listed below….
Mount Evans Scenic and Historic Byway- This is 28 miles one way and will take you about an hour to explore. While riding through it, you will see the amazing mountainsides and glacier cut valleys! You will see wildlife like mountain goats and bighorn sheep along the roadway.
Trail Ridge Road Scenic and Historic Byway- The best way to see the Rocky Mountain National park is of course on your bike. This trail is the highest paved road in the US, and it doesn’t dead end! You will get to see elk, bighorn sheep and lots of other wildlife along the way! It has lots of twists and turns so you can see all of the beauty. Its 48 miles one way and will take you 2-3 hours.
If You Have Time To Kill in Boulder, CO
Santa Fe Trail- This one way is 184 miles long and will take you about 4 hours. It originally carried pioneers and traders over the prairie in the 1800’s. Here you can follow the same wagon routes the pioneers used on your motorcycle. It’s a straight path and is pretty easy to ride.
San Juan Skyway- The mountains rise more than 11,000 feet above sea level. You will ride through Telluride and Silverton where its popular in mining. It will run you through some of the highest mountains in the United States. It’s a loop of 236 miles and will take you about 6 hours.
Unaweep/ Tabeguache- This highway played a big role in World War II. There are lots of history here on this trail. Dinosaurs and amphibian fossils can be found. Its 133 one way and will take you 3 hours.
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Last Updated on by Alexis Karapiperis