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Motorcycle Insurance

Whether your exploring the beautiful fall foliage of the Adirondacks, cruising around exciting Saratoga, or attending Americade in Lake George. We at Cote have you covered. At Cote Insurance Agency, you will be protected at a price that will not break your bank.

If you live in New York , chances are we cover what you ride. The Cote Insurance Agency insures a full spectrum of motorcycles from street cycles, Harley Davidsons, Victory, Yamaha, Honda, Suzuki, Indian, Triumph, customs, cruisers and touring bikes to Scooters, dirt bikes and ATVs.

One of the great advantages of having your motorcycle coverage through Cote Insurance Agency is that you may save money by having more than one policy with that some of the companies we offer. The Cote Insurance Agency will be able to help calculate how much money you can save.

Credits and Discounts on Motorcycle Insurance

One of the great advantages of having your motorcycle coverage through a carrier like Safeco is that you may save money by having more than one policy with that company. The Cote Insurance 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. Call The Cote Insurance Agency today at 518-587-3303 for more information!

NY – What you need to know about motorcycle insurance

Your motorcycle insurance can include any or all of the options below – contact The Cote Insurance Agency today to discuss what coverage is best for you.

Custom Parts and Equipment

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.

Roadside Assistance

Your policy can provide you with a roadside assistance benefit of up to $300 per breakdown.

Liability Coverage

You can pick the motorcycle insurance coverage that fits your needs. Most carriers 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. Check with The Cote Insurance Agency in Saratoga Springs to determine your specific coverage.

Medical Coverage

This coverage provides for certain necessary medical expenses for you and any passenger that are the result of an accident.

Uninsured/Underinsured Motorist Coverage

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.

Let us help make sure you’re covered when you hit the streets of the Capital District – talk to The Cote Insurance Agency today to find out how to get the best price and value on the motorcycle insurance that’s right for you.

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. Call your local Cote Insurance Agency today for more information!

Your motorcycle insurance can include any or all of the options below – contact The Cote Insurance Agency today to discuss what coverage is best for you.

Insurance for cars, trucks, boats and more!


Cote Insurance can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too!

Rather Meet With An Agent Face To Face?

Book An Appointment Online With Your Local Cote Insurance Agent.

Some Savings Tips

Bundling

Combine multiple policies with one carrier for savings up to 25%

Defensive Driving

Courses are now offered online. Discounts up to 10%

Better Credit

Make sure the person with the better credit score is listed first on the policy

Telematics

Many companies now offer devices to plug into your car. Ask an agent for more info.

Car Insurance Coverages

New York State – How much motorcycle insurance is right for you?
Based in Saratoga Springs, Corinth, South Glens Falls and Greenfield Center, our agents understands the auto insurance needs of our customers.

Liability And No Fault

  • Bodily injury liability coverage
    Covers things like medical expenses and lost wages that result from the injury or death of another driver when you’re at fault. In some states, this liability extends to passengers on your motorcycle, too. In others, it may be offered separately.
  • Property damage liability coverage
    Covers damage to another person’s property when you are at fault. You may be liable for other vehicles, private residences, storefronts and other structures.
  • Medical payments
    Covers reasonable and necessary medical expenses that are the result of any injury to you or your passengers, like ambulance rides and x-rays.
  • Personal injury protection
    This type of coverage can reimburse you for medical expenses, lost income, funeral expenses, childcare and more if you’re hurt in an accident.

 

Collision

  • Collision coverage
    Covers damages to your motorcycle that result from a collision with another object, which can include another car or motorcycle, a tree or a building.
  • Comprehensive coverage
    Covers damages to your motorcycle NOT caused by a crash with another vehicle—things like flooding, wind, vandalism and theft. You’re typically covered for repairs up to the actual cash value of your bike. Plus, you get to choose your deductible.
  • Uninsured/underinsured motorist bodily injury
    If you get into an accident and an uninsured or underinsured driver is at fault, this covers your injuries as well as your passengers’. Different states have different requirements for this coverage.

Comprehensive

  • Towing and labor
    Reimburses you for the costs of towing and related labor if your motorcycle breaks down or you get in an accident. Policies for Harley-Davidson, Touring and Touring Sport bikes include this coverage automatically, but you can buy it for other kinds of bikes.
  • Rental reimbursement
    Helps cover the cost of a rental if your bike is stolen or being repaired in the shop.
  • Motorcycle and off-road vehicle transport trailer damage
    Covers damage and loss of your trailer and motorcycle resulting from collision, rollover and most natural and man-made losses such as earthquakes and vandalism.
  • Lease/loan gap
    If your bike gets totaled or stolen, this pays the difference between what your motorcycle is worth and what you still owe on your loan or lease. To get this coverage, you need to have comprehensive and collision on the same policy.
  • Optional or added equipment
    With Allstate, your policy automatically comes with $1,000 worth of coverage on after-market upgrades. You can buy extra coverage up to $30,000.

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Want to talk?

Please call us:
Saratoga Springs – 518-587-3303
Corinth – 518-654-9021
South Glens Falls -518-761-6764
Greenfield Center -518-893-2683

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