Insuring Your Motorcycle in New York

Whether you are a brand new rider or have been riding for years, one thing remains the same. Insurance is always needed. If you are considering making a change in companies or are seeking out motorcycle for the first time, we can help you evaluate your options to make the best decision for you and your situation. When it comes to shopping for insurance, there’s plenty to consider and we want to make the process as efficient as possible. At the same time, we want you to make a well-informed decision that also works for your budget. Our experience in the industry will do all those things and more so don’t hesitate to reach out.

As previously stated, in order to ride a motorcycle in New York, you as a rider must have liability insurance at the least. If you are a new rider that has mainly driven automobiles, the main difference is that with motorcycle insurance you don’t need personal injury protection or uninsured/underinsured motorist coverage.

Another important factor most people consider is the cost of insurance when they are either buying a new vehicle or thinking about switching to a new company. Your budget is probably going to be the biggest factor in this decision, but you will also need to consider your location when you are comparing prices. New York City is known to have higher rates in other cities in the area. This is due in large part because it is such a large city and larger city means more people, and more people means more accidents typically.

Another factor that will contribute to the cost of your motorcycle insurance is your driving record. This is a major factor whether you are driving a regular car, motorcycle or even a commercial vehicle. If you have a clean driving record, lots of experience on the road, and very few infractions, you are going to be considered a solid candidate for the company and therefore receive the best rate. On the other hand, if you have had little to no experience or have had multiple infractions or accidents, you are most likely going to be offered a higher insurance rate, but that doesn’t mean that can’t be reduced over time as your record improves.

Other Things To Consider

Most people like to store their motorcycles during the winter months as they are not using them very much due to the weather conditions. This is another thing you want to consider when you are choosing an insurance provider. Some companies will offer comprehensive insurance or other options that will work with you during these months your motorcycle is in storage. Another option is to cancel your insurance while you are not using it, but that means if you want to ride it one day when the weather is favorable, you won’t have that option, so it might be best to discuss your options with your provider before taking that chance.

Reach Out Today

As a motorcycle rider, insurance is a very important part of owning and riding a motorcycle. We would be happy to answer any questions you have about getting a new policy or updating your current one. Contact us at Willoughby Insurance in Buffalo, NY today.