RV, Boat, ATV, Snowmobile and Motorcycle Insurance for Drivers Across the Capital District of New York

Servicing Albany, Saratoga, Schenectady, Warren & Washington counties

 

New York State offers many gorgeous RV parks and campgrounds full of beautiful mountains, the greenest forests, sparkling streams and lakes and other amazing sights. Taking your friends and family down to the campground in an RV can make for a fun, unforgettable trip—but accidents can happen even on the best of days. If you don’t have the right insurance, you could suddenly owe a ton of money. RVs aren’t cheap, after all. Cote Insurance Agency works with many of the top carriers to offer the best RV insurance whether you’re an occasional RV driver or a full timer.

What Does RV Insurance Cover?

RV insurance gives you coverages similar to you r personal auto insurance policy. These coverages include:

• Bodily injury: This coverage helps pay for other people’s medical needs if you cause an accident.
• Property damage: This coverage helps pay for property damage you may cause while driving your RV.
• Personal injury protection (PIP): PIP helps pay for medical expenses no matter who caused the accident.
• Comprehensive: Comprehensive coverage helps with the cost of repairs when your RV is damaged by an accident not involving a collision. This includes hail, falling trees and rocks, theft and more.
• Collision: Collision coverage helps with the cost of repairs when your RV is damaged due to a collision with another vehicle or object.
• Uninsured/underinsured motorist: Uninsured motorist steps in if you get into a wreck with a driver who either doesn’t carry insurance or doesn’t have enough coverage on their policy.

You may also want to consider adding additional coverage such as:

• Vacation coverage: Also known as campsite coverage, this liability coverage offers protection if someone is injured within your parked RV or on your campsite.
• Full time coverage: Full time RV insurance offers a set of coverages for people who live full time in their RV. This includes personal liability, emergency expenses and more.
• Towing/Roadside assistance
  
  

Why do you need insurance for your motorcycle?

You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

• If you're in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or a passenger is injured in an accident, medical costs can be extremely expensive.
• If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you're worth.
• Your motorcycle may be one of your most prized possessions. It deserves special protection.
  
  

Things to consider and questions to ask your agent

Your Independent Agent is an advocate for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

• How much can I afford to pay if my motorcycle is in an accident, damaged or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
• What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
• How much medical and liability coverage should I have?
• Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
• What's the process for filing and settling a claim?
  
  

Tips for the cost-conscious rider

Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.

• Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It's also a good idea for cyclists who have already had accidents.
• Maintaining a good driving record with no violations will also help reduce your premiums.
• In many northern states, riders may save money by buying a "lay-up" policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
• Find out what discounts your insurance representative offers. Multibike discounts for those insuring more than one bike, organization discounts, if you're a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
• Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.
  
  

Why do you need insurance for your boat or personal watercraft?

You'll enjoy the water ever more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

• If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or any passengers are injured in an accident, medical costs can be extremely expensive.
• If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.
• Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.
  
  

Things to consider and questions to ask your agent

Here are a few things to consider as you prepare for the discussion:

• How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?
• Is my boat or watercraft covered for use year-round?
• What discounts and programs are available?
• How much medical insurance and liability coverage is enough?
• Do I have coverage if I need to have my boat towed in an emergency?
• What's the process for filing and settling a claim?
• Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself and your water vehicle in the event of an accident.

The personal watercraft policy covers:

• bodily injury
• property damage
• guest passenger liability
• medical payments
• theft

Liability limits start at $15,000 and can be increased to $300,000.

Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.

Additional coverage can also be purchased for trailers and other accessories.

You should talk to your insurance representative about the type of coverage that would best suit your needs.

Our agents are here to serve you and to ensure that you get the insurance coverage that you need at an affordable price. Whether auto, home, life, or business insurance, our agents are here for you. Contact us today or fill out an online quote now.