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
$25,000	$50,000	$15,000

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 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 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
DUI	Major	10 Years
Speeding	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*
Non-At-Fault Acccident	Minor	NA*
Failure to Stop for a Pedestrian Side walk	Minor	3 Years

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

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Last Updated on February 2, 2023 by Amanda Moss