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.

Motorcycle Insurance Boulder
There Motorcycle liability requirement limit is 25 / 50 / 15.

This means that you will be required to hold at least :

Bodily InjuryBodily Injury for Multiple PeopleProperty Damage
Motorcycle Insurance Boulder

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:

ComprehensiveWhen 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.
CollisionWhen 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 PaymentsHelps cover medical expenses when in the case of an accident.
Roadside AssistanceHelps to cover towing when in the case of your motorcycle breaking down.
Motorcycle Insurance Boulder

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 NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
Running a Traffic Light or Stop SignMinor3 Years
DUIMajor10 Years
SpeedingMinor3 Years
Using a Cell Phone with DrivingMinor3 Years
Failure to maintain Clear Distance (tailgatingMinor3 Years
At Fault AccidentMajor5 Years
Failure to Secure Load to truck/trailerMinor3 Years
No Proof of insuranceNon MovingNA*
Reckless DrivingMajor5 Years
Failure to Use a Seat BeltNon MovingNA*
Non-At-Fault AcccidentMinorNA*
Failure to Stop for a Pedestrian Side walkMinor3 Years
Motorcycle Insurance Boulder

How to Lower Motorcycle Insurance Cost?

Lowering motorcycle insurance costs involves several factors. First, consider your driving history—maintaining a clean record significantly impacts premiums. Additionally, taking a motorcycle safety course not only enhances riding skills but often qualifies for insurance discounts. Another critical factor is the type of bike; certain models are more expensive to insure due to higher theft rates or increased repair costs. Moreover, adjusting your coverage based on usage frequency and needs—opting for liability coverage during off-season storage, for instance—can result in substantial savings. Lastly, bundling motorcycle insurance with other policies from the same provider often leads to significant discounts, so explore package deals for potential savings.

Understanding how to lower motorcycle insurance costs is essential for riders in Boulder. By focusing on key factors like driving history, safety courses, bike selection, coverage adjustments based on usage, and bundling policies, individuals can make informed choices to reduce premiums. These strategies not only promote safer riding habits and better coverage alignment but also ensure financial savings, making motorcycle ownership in Boulder both secure and cost-effective.

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.

Motorcycle Insurance Boulder

Frequently Asked Questions About Motorcycle Insurance in Boulder

Q1: What are the minimum motorcycle insurance requirements in Boulder, Colorado?

A1: In Boulder, Colorado, motorcycle riders are typically required to have liability insurance coverage. This coverage helps pay for injuries or property damage you may cause to others in an accident. Specific minimum coverage limits may vary, so it’s essential to check with your insurance provider to meet the legal requirements.

Q2: What additional motorcycle insurance coverage options should I consider?

A2: When getting motorcycle insurance in Boulder, consider additional coverage options like comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and medical payments coverage. These options can provide enhanced protection for your bike and your well-being in case of accidents or theft.

Q3: How can I get affordable motorcycle insurance rates in Boulder, CO?

A3: To find affordable motorcycle insurance rates in Boulder, Colorado, start by comparing quotes from multiple insurance providers. Additionally, consider factors like your riding experience, the type of motorcycle you own, and your driving record. Bundling policies or taking safety courses may also help you qualify for discounts.

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Last Updated on by Alexis Karapiperis

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