If you live in Washington, chances are Totem Insurance covers what you ride. Totem Insurance insures a full spectrum of motorcycles from street cycles, Harley Davidsons, cruisers and touring bikes, to dirt bikes and ATVs.
One of the great advantages of having your motorcycle coverage through a major insurance company like the ones we represent, is that you may save money by having more than one policy with us. Our agency will be able to help calculate how much money you can save. You also may be able to save money on your premiums if your motorcycle is stored in a garage, if you belong to certain rider groups, or if you have taken a safe rider course sponsored by the Motorcycle Safety Foundation.
Your motorcycle insurance policy can include any or all of the options below. Call us today to discuss what coverage is best for you.
If you select custom parts coverage, you will receive up to $3,000 in coverage without any additional cost to you. Coverage is available for up to $10,000 in custom parts and equipment.
Your motorcycle insurance policy can provide you with a roadside assistance benefit of up to $300 per breakdown.
You can pick the motorcycle insurance coverage that fits your needs. Many insurance companies offer underlying liability limits high enough to satisfy Personal Umbrella requirements, which means that you may be eligible for this additional coverage. In most states, Guest Passenger liability (mandatory on all street bikes) is automatically included at the same limit as your liability selection. Totem Insurance works with multiple insurance companies so we can provide you with multiple motorcycle insurance coverage options at rates you can afford.
This coverage provides for certain necessary medical expenses for you and any passenger that are the result of an accident.
This coverage typically pays for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian.