Although riding a motorcycle around Rochester can be exhilarating, there are some possible safety risks that should be considered. Having the right motorcycle insurance is not only wise but necessary by law.
While you’re cruising through the downtown area, along the shores of Lake Ontario, or into the Finger Lakes region, you deserve peace of mind in every ride. With the help of Travelers Insurance, let’s get into all the information you need regarding coverage, prices, and how you can get the finest motorcycle insurance in Rochester, NY.
What Motorcycle Insurance Is Required in New York?
Like most states, motorcycle insurance is mandatory for all riders in New York. The minimum coverage required by law includes:
- $25,000 for bodily injury
- $50,000 for bodily injury
- $10,000 for property damage
Motorcycles are not covered by no-fault insurance. Therefore, you won’t have personal injury protection (PIP), unlike auto insurance in New York. Because of this, it is even more crucial to have the appropriate liability and optional coverage.
Types of Motorcycle Insurance Coverage
In your search for optimal motorcycle coverage, you’ll encounter several types to choose from.
Some of which include:
- Liability Coverage: Which is required by law. This coverage includes protection against injuries or damage you cause to others.
- Collision Coverage: This will pay for damage to your bike after an accident, regardless of fault.
- Comprehensive Coverage: This covers non-collision incidents like theft, vandalism, or damage caused by severe weather.
- Uninsured/Underinsured Motorist: Which protects you if you’re hit by a driver with insufficient or no insurance.
- Accessories/Add-On Coverage: This option covers custom parts, saddlebags, or upgraded exhausts.
- Roadside Assistance: This coverage is optional, but helpful for breakdowns or towing needs.
The Average Cost of Motorcycle Insurance in New York
A number of important variables can significantly affect the price of motorcycle insurance in Rochester, NY. Your age and driving history are important factors because experienced riders with spotless records usually receive reduced rates from insurers. Premiums are also affected by the kind and value of your motorcycle; sport bikes and expensive models typically have higher insurance costs than regular or older versions.
Risk evaluations may be impacted by where you keep your motorcycle. Keeping your vehicle in a garage as opposed to on the street, and how frequently and how far you ride, will have an impact on your coverage requirements and final cost.
On average, motorcycle insurance in Rochester ranges from $200 to $600 per year, with sport bikes on the higher end and cruisers or older bikes on the lower end. Adding comprehensive and collision coverage will increase your premium, but it also increases your protection.
Local Tips for Getting the Best Motorcycle Insurance in Rochester
- Shop Around: Compare quotes from multiple providers. Rates can vary significantly.
- Bundle Policies: If you already have auto or homeowners insurance, ask about multi-policy discounts.
- Take a Motorcycle Safety Course: Complete an approved rider safety course to reduce your insurance rate and make you a safe rider.
- Consider Storage & Seasonal Coverage: Some insurers offer reduced premiums if your bike is stored during Rochester’s winter months.
- Review Your Deductibles: Higher deductibles can lower your monthly premium, but be sure you can afford the out-of-pocket cost if you file a claim.
Trusted Local Insurance Providers in Rochester, NY
As a trusted Rochester-based insurance provider, The Feltner Group understands the unique needs of local riders, from seasonal storage concerns to navigating Upstate New York’s changing weather.
Motorcycle insurance isn’t just about meeting legal requirements. It’s about protecting your ride, your freedom, and your future. Reach out to The Feltner Group today to feel confident and get motorcycle coverage that fits you perfectly.