Motorcycle Insurance

Motorcycle insurance provides financial protection for riders and their bikes against a range of risks on and off the road. Liability coverage, which is required in New York, pays for bodily injury and property damage you cause to others in an accident. Collision coverage pays to repair or replace your motorcycle if it is damaged in a crash, regardless of who is at fault. Comprehensive coverage protects against non-collision events such as theft, vandalism, fire, falling objects, and weather damage. Additional coverage options include medical payments coverage, which pays for your medical expenses and those of your passenger after an accident. Uninsured and underinsured motorist coverage protects you when the at-fault driver does not have enough insurance to cover your losses. Accessories coverage extends protection to custom parts, aftermarket equipment, and riding gear that would not be fully covered under a standard policy. Many motorcycle policies also offer roadside assistance and towing coverage, which can be invaluable if your bike breaks down on a remote Central New York road. Guest passenger liability coverage is another important option if you frequently ride with a passenger.

Central New York offers outstanding riding opportunities, from scenic routes around the Finger Lakes to country roads winding through Cayuga County farmland. However, the riding season also comes with unique risks. Road surfaces can be rough after harsh winters, with potholes, gravel, and debris posing hazards in the spring. Deer crossings are common on rural roads, and unpredictable weather can catch riders off guard. Because motorcyclists are more vulnerable than car drivers, accidents tend to result in more serious injuries. Medical bills from a motorcycle accident can easily exceed $50,000, and a liability claim against you from an accident you cause could be even higher. Carrying adequate liability limits and medical payments coverage is essential for protecting your finances and your future. New York's riding season typically runs from April through October, and many riders choose to store their bikes during the winter months. Some insurance carriers offer seasonal storage discounts or lay-up coverage that reduces your premium during months when the motorcycle is not being ridden. Gillespie Insurance Agency can help you take advantage of these savings opportunities.

Whether you ride a cruiser, sportbike, touring motorcycle, or vintage bike, Gillespie Insurance Agency has the experience and carrier relationships to find the right coverage for you. As an independent agency, we are not limited to a single insurance company. We compare policies from multiple motorcycle insurance carriers to find the coverage and price that fits your riding style and budget. Our agents understand the needs of motorcycle enthusiasts. We will review your bike's value, your riding habits, and any custom modifications to build a policy that provides complete protection. We can also help you bundle your motorcycle insurance with your auto or homeowners policy for additional savings, and we will make sure you are taking advantage of every available discount, from safety course credits to multi-bike pricing. Gillespie Insurance Agency has been serving riders in Auburn and throughout Central New York since 2006. Call us at (315) 252-0694 to get a motorcycle insurance quote and hit the road with confidence.