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Motorcycle Insurance

Your New York Motorcycle Insurance Quote Source

NY motorcycle insurance financially protects you for damage to your motorcycle as well as theft of your beloved bike. It also provides liability coverage in the event you are deemed at fault in an accident that causes injury to others or property damage.

The same as a car policy, your motorcycle insurance covers your property, other’s property, and liability exposures. Selecting adequate limits of protection along with the proper endorsements is just as important for your motorcycle as your car.

We can help you to choose the best protections to fit your needs and your budget.

Let the us search and quote for you with our extensive network of the top insurance companies in NY, both regional and national carriers.  New programs are being introduced all the time for people with your specific scenario and requirements. 

We utilize our experience serving Albany, Schenectady, Troy, Latham, Cohoes, Watervliet, Clifton Park, Saratoga Springs, surrounding Capital Region areas and all of New York State from NYC to Buffalo. We want to find you the cheapest motorcycle insurance in NY that also protects you adequately.

Looking to bundle your auto, renters or  homeowners policies to maximize discounts? We utilize companies that give big multi-policy discounts for auto/home bundles.

Whether you want a motorcycle-only estimate or an auto/motorcycle/home/renters bundle quote, we will make sure to maximize discounts and savings. Simply request your car quote and we’ll take care of the rest.

This is no gimmick. It is not uncommon for us to save clients up to 50% on their premiums. We know insurance, have the companies, and we know where to find the deals.  Get your quote today!

Don't Let Tiers Cause You Tears with Your NY Motorcycle Insurance

If you’ve been with the same insurer for many years it’s a good idea to get a quote now. All NY insurance companies rate on Tiers. Low tiers result in high premiums, mid-tiers produce middle of the road premiums and so on. 

Unfortunately, you can get cemented into those less than stellar tiers for the entire span of your policy despite the fact that your rating factors have improved. Factors such as your credit, accidents, tickets, age, etc. If they have improved since you took out your original policy, you are most likely paying more premium than you should be.

Requesting a new quote, now that you have better rating factors will elevate you to a higher rating tier, resulting in more competitive premiums. 

It’s also important to note that premium rates tend to run in cycles with insurers. Premiums tend to increase over time until the insurance company begins to lose customers and market share.

It’s at this time that companies often introduce new programs that rate fantastic, especially for people with good credit and good driving history in order to regain market share. 

The key is to utilize an agency that has access to these companies and also manually quotes with the right ones while maximizing available discounts, and that is what we do.

Simply fill out the request form and let us start shopping for you.

It doesn’t take long and we would love to have you join the multitude of New York State residents who have learned to Expect More and to Get More from the NY Insurance Hub. Your source for New York motorcycle insurance quotes!

What Exactly is an Insurance Bundle?

Bundling your policies typically means having your car, motorcycle and home/renters policies written together with the same insurer, but you can add many more types of policies such as an umbrella, boat, RV, snowmobile, ATV, and more. There are two major benefits to a bundled package:

Savings: Most insurers provide significant discounts for customers who bundle, particularly to the car and home products, like hundreds to over a thousand per year savings depending on the scenario.

Streamlining: Working with only one company for most or all of your policies makes it so much easier to manage, especially for things like billing, customer service, and claims handling. 

So is there a downside to a bundle? There can be a downside to the amount of savings or even result in you paying more than you should by selecting a company solely for the bundle discount. Most of the insurers that provide large percentage discounts for bundles rate well for people with good to great credit along with a good claims history, both normally need to be present.

If your credit is less than perfect and/or your 3 to 5 year claim history is a bit spotty, odds are the pricing will be quite high for the entire bundled package .

The key is to have your specific eligibility scenario quoted amongst both bundled insurers and more monoline specific carriers that rely less on credit ratings and claims history. This gives the ability to compare and contrast options to truly reveal what your best bottom line deal actually is.

How Much Is Motorcycle Insurance In NY?

We hate to give the vanilla answer of “It Depends”, but the cost of a policy in NY varies widely and does depend on a number of factors such as:

  • Credit Rating 
  • Driver Age
  • Driving Record
  • Miles Driven
  • Safety Courses Taken
  • Location
  • Type of Motorcycle (Insurers evaluate safety/crash ratings, theft rating, engine size and value)

Of course, it also depends on the protections and limits you carry on your policy. For those that view insurance as something they are “required to have” in order to be a legal driver, the cheapest price might be their major objective. 

We do not share in the “lowest coverage to get the cheapest price” line of thinking for any line of insurance and particularly for motorcycle drivers because of the higher risk of loss they face, such as:

  • Motorcyclists have little protection and crashes result in a high incidence of serious and even fatal injuries
  • They operate on two wheels making them more susceptible to accident.
  • They are sometimes hard to see on the highways with their low visual profile
  • Objects in the road are more dangerous to motorcyclists
  • Cars and trucks making left hand turns are particularly dangerous for motorcyclists. In fact, 42% of fatal motorbike-car accidents involve a car or truck turning left while a motorcyclist is going straight or passing or overtaking the car or truck
  • They are easy to steal and the rate of recovery is low because they are often stropped down and sold for parts.

We can help you to find the protection that is best for you and also within your budget.

Major NY Motorcycle Insurance Coverages

Bodily Injury Liability
Bodily Injury Liability coverage pays for injuries you cause to other people when you are at fault in an accident up to the limit carried on your policy.

Supplemental Spousal Liability? Adding the Supplemental Spousal Liability endorsement on your policy provides bodily injury liability protection to cover the injury or death of a spouse who is a passenger.

Property Damage
Property Damage pays for damage you cause to other people’s property when you are at fault in an accident up to the limit carried on your policy.

Medical Payments
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and a passenger of your motorcycle who are injured in an accident. Medical payments coverage typically does not pay for expenses related to injuries to others from an accident you cause unless they are riding on your bike with you at the time.

Personal Injury Protection (PIP)
While you are required to maintain bodily injury liability coverage, the no-fault law does not apply to motorcycles. In New York State, most policies do not provide no-fault benefits to motorcyclists.

Uninsured/Underinsured Motorist Protection
This coverage pays if you are injured by a person who is completely uninsured or doesn’t have a high enough liability limit to pay for all of your injuries. It also provides protection if you are in an accident with a hit-and-run driver.

Collision and Comprehensive
Collision and Comprehensive coverages pay for damage to your motorcycle. You can purchase either or both for each vehicle you own. If you have a loan you may be required to purchase both.

“Collision” insures you against damage to your vehicle caused during an accident where you are deemed at-fault. It can also apply in a situation of a hit and run accident where you are not at fault but the other driver flees the scene.

“Comprehensive” (other than collision) insures you against all other physical damage to your car caused by such events as fire, theft, flood, and vandalism.

Collision and comprehensive (other than collision) protection usually includes a deductible, which can range from $100 to $1,000. If your bike is damaged, the insurer pays for the damage in excess of the deductible you selected. The higher the deductible, the lower the premium.

Optional coverage
Optional or special coverage includes extras such as towing, roadside assistance, and accessories protection. 

We service clients for Policies in the Albany, Schenectady, Troy, Latham, Cohoes, Watervliet, Clifton Park, Saratoga Springs, surrounding Capital Region areas and all of New York State from NYC to Buffalo. Each one of our clients is given a dedicated expert to work together to proficiently address all your concerns.

Whether you are simply looking for the Cheapest NY Motorcycle Insurance quote or want a thorough consultation for your other personal insurance needs, we are here to help. 

Call one of our professional agents at 518-783-0105 for more about motorcycle insurance.

Frequently Asked NY Motorcycle Insurance Questions (FAQ)

Simply put, NO! We work very hard to make the process simple and seamless for you.
• You literally only have to make payment and sign your application, we take care of the rest, including the cancellation of your current policy or policies.
• We love meeting all of our current and prospective customers in-person at our office but often-times it’s more convenient to do things over the phone, especially when you live a distance from us. Whether you live next door or 300 miles away, we can do everything over the phone, in fact, most people choose to do it this way.
Choosing the appropriate level of protection depends on a number of factors, including assets you must protect (liability protection), value of your motorcycle(s) (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.
Yes. In fact, we place a large percentage of our customers in to bundles that include car, home, umbrella, and renters products to take advantage of the significant bundle discounts available. The price isn’t the only benefit of a bundle. Having multiple policies with the same carrier makes it so much easier for you to manage your payments, retrieve policy documents, and centralizes your point of contact for any customer service inquiries.
Yes. We utilize carriers that will insure drivers who have a lapse in coverage or never been insured.
The number of discounts and percentage savings of discounts differ by carrier. We address discount eligibility with each client to make sure you take advantage of every available offering with each company we quote you with. Typical discounts include safe driving, accident free, multiple vehicle, multiple policy, defensive driving course, driver training, anti-theft, paperless, and automatic EFT payment plans.
Yes, most NY insurers will run a consumer credit check when determining your premiums. A poor rating can alert an insurer of financial trouble and negatively affect premium rating as well as eligibility. Conversely, a good rating can provide the most competitive rates offered by the insurer. Keep in mind, this is not an application for credit, so while insurers check your credit to determine your responsibility and financial security, they are not extending credit. A consumer credit check for an auto quote is called a “soft pull,” and it does not affect your credit rating.
Adding the Supplemental Spousal Liability (SSL) endorsement on your policy provides bodily injury liability protection to cover the liability of an insured spouse due to their injury or death. It protects both the insured and the insured’s spouse in the event the insured is sued by his or her spouse due to the insured’s negligence.

Married couples should always make sure that SSL is added to their policy protection because if you don’t and you are harmed because of negligent driving by your husband or wife, you will likely not be able to receive compensation.

Depending on the extent of your injuries and the liability limit on the policy, you could be giving up hundreds of thousands of dollars or more, money that you could need to live on, money that is rightfully due to you. If you are married, make sure to check your policy to be certain you have this very important coverage.
With NYS personal lines insurance it’s perfectly fine to switch your coverage to another carrier at any time with no penalty or surcharge assessed. For people on automatic monthly payment plans with their current carrier, we always caution them to make sure that they cancel their automatic payment if their next payment is due within a week or so.

Sometimes, due to delays of the prior carrier cancelling your prior policy, the payment will be taken even though you have a new policy with our agency. But rest assured, even if that did happen, you would receive a full refund back from your prior carrier for that payment. Also, for any days of coverage you have paid for that were not used, a full pro-rated refund for those unused days will be issued.
We try to make it easy for you to compare your quote options against your current policy. In fact, our preferred approach is to review each coverage with you line by line, comparing to your current policy, also explaining what the coverages are, in a language that’s understandable to a non-insurance professional, giving real world examples.

We use an “apples to apples” approach, providing a quote that is as close as we can get to your current coverage so that you can see the true bottom line savings. From there, if there are any exposures we feel put you at risk, we’ll also provide an alternative quote, explaining the exposure and leaving the decision entirely up to you.

Of course, there are some folks who simply just want a quote without the additional review and we are happy to provide a quote for them as well, knowing we are here if they have questions.
We’d like to think there are a number of solid reasons for you to do business with our agency. The biggest reasons relate to our lineup of companies, manual quoting process, experience, customer service, along with our desire for you to have a great experience doing business with us, not only for the savings, but also in your policy protection and relationship with
us that we hope to grow for many years.

We have hand-picked our A-Rated companies and are directly appointed to the ones we feel are the best in New York for both price and coverage options. We do not use automated rating tools that sometimes result in a higher premium or miss important endorsements, instead we manually quote for your best option. It takes a bit longer, but won’t cost you more, in fact, we feel it gives you an additional benefit.

Our experience is also a benefit to our clients and those seeking a NY motorcycle insurance quote. With the multitude of major rating factors combined with discount eligibility, our experience has taught us how to compare and contrast these elements from amongst our targeted companies to give you the absolute best deal we can find. Last but not least, we’re an agency that cares, cares about you as a person, cares that you are properly protected, and cares that your experience with us is a good one.

Contact Us Today at 518-783-0105 to speak with one of our trusted agents about your NY Motorcycle Policy Options & answer any questions you may have and provide you with a quote.