Buying motorcycle insurance cheapest in New York is more complicated than you would like. These motorcycle insurance tips will help make things easier for you when buying motorcycle insurance or car insurance and will save you a lot of money.
Buy Motorcycle Insurance From an Independent Insurance Agent
I recommend that you buy motorcycle insurance from an independent insurance agent who can provide you with advice. If you purchase insurance directly from an insurance company, the person on the phone is only an insurance sales agent and does not give insurance advice.
For instance, a salesperson might talk you into high liability insurance limits but fail to sell you inexpensive underinsured coverage to protect yourself.
You might be able to get better coverage and buy motorcycle insurance cheaper with lower liability coverage and higher underinsured coverage. An independent insurance broker will give you the right advice to buy motorcycle insurance the cheapest.
Lawsuits against insurance companies, because their salesperson did not provide good advice, have been unsuccessful because their job is only sales and not to give advice.
An independent insurance broker will give you advice for free. Their commission is paid by the insurance company and will not cost you any extra.
When you buy motorcycle insurance directly from an insurance company like GEICO or Progressive, you need to be a motorcycle insurance expert! Are you really a motorcycle insurance expert?
Buy Cheap Motorcycle Insurance, But Don’t Complain Later!
That’s what a lot of motorcyclists do! We have had many motorcycle accident clients who bought the cheapest motorcycle insurance and bought much better auto insurance coverage on their cars, but that’s ass-backward!
If you buy cheap motorcycle insurance, you might save $100, but it might cost you hundreds of thousands of dollars!
You’re much more likely to be injured on a motorcycle, and any injury you get on a motorcycle is much more likely to be worth hundreds of thousands of dollars or even millions of dollars. As an example of what a motorcycle injury is worth, we got $465,000 for a knee injury.
Do not purchase motorcycle insurance because the premium is cheap. When you have a motorcycle accident, you will seriously regret having a cheap insurance policy. You will find, too late, that you have minimum benefits under the New York State insurance law, and you won’t get enough money for your injury.
We had a client who is a motorcycle instructor. He was seriously injured in a motorcycle accident by a car that had only $25,000 liability coverage. We educated him about uninsured and underinsured coverage, and he said he was going to increase his coverage in case he ever had another accident.
Unfortunately for him, he didn’t increase his coverage. Two years later, he was seriously injured in another motorcycle accident by a car that had only $25,000 liability coverage!
7 Tips for Buying Motorcycle Insurance
- Buy your motorcycle insurance from an independent insurance agent.
- Never asked for “Full Coverage.” There is no such thing. Know what you are buying!
- Buy the maximum liability insurance limits you can afford (this allows you to purchase higher uninsured/underinsured coverage).
- Buy the maximum uninsured/underinsured coverage limit (this limit should be at least as much as your liability insurance limits, but you can buy more if you raise your liability limit).
- Remember that in New York, PIP or no-fault coverage does not exist for motorcycle operators or passengers, so make sure you purchase separate medical coverage or have good health insurance. If you are injured in a New York motorcycle accident, your medical bills can easily cost as much as $35,000-$150,000 and could cost a lot more.
- Buy as much “Med Pay” as you can get.
- Buy Collision Damage Coverage.
Bonus Tip: What’s the worst way to buy motorcycle insurance? Buying motorcycle insurance online is worse than calling a motorcycle insurance company directly because motorcyclists often make mistakes when buying motorcycle insurance online. Even if you know what you’re doing, it’s easy to click on the wrong thing or overlook something.
You can read about some of the important parts of a New York motorcycle insurance policy in the 1-800-HURT-911® Ultimate Motorcycle Insurance Buying Guide, which will help you determine the questions you want to ask and what you want to buy.
You should become familiar with the important parts of your motorcycle insurance policy, but you can buy the best motorcycle insurance for you and make things easier by knowing a few questions to ask when buying motorcycle insurance. You’ll be an expert after just a few minutes of reading the 1-800-HURT-911® Ultimate Motorcycle Insurance Buying Guide.
We’re the Best Motorcycle Accident Lawyers in New York, but unfortunately, we represent many New York motorcyclists who find they don’t have enough underinsured coverage because they purchased motorcycle insurance from a company that sells direct.
You can avoid these insurance problems by knowing what coverage you need in your motorcycle insurance policy, which insurance companies to avoid, and by spending as little as $60-$100 per year more than the cheapest motorcycle insurance you can find.
If you have any questions about these motorcycle insurance tips or buying motorcycle insurance, I will be happy to help you for free. Just call 1-800-HURT-911 or send me an e-mail with your name and telephone number, and I will call you the same day.
Philip L. Franckel, Esq.
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Motorcycle Attorney Phil Franckel talks about how motorcycle accidents are different
Philip L. Franckel, Esq. is the author of all articles and content on this website, one of the Personal Injury Dream Team™ Founding Partners at 1-800-HURT-911® New York, well-known for representing motorcyclists. He has a 10 Avvo rating; Avvo Client’s Choice with all 5-star reviews; Avvo Top Contributor; and is a former Member of the Board of Directors of the New York State Trial Lawyers Association. Mr. Franckel created the motorcycle awareness campaign BE AWARE MOTORCYCLES ARE EVERYWHERE®.
Founding Partner Rob Plevy, Esq.
Robert Plevy, Esq. is a motorcycle accident lawyer and one of the Personal Injury Dream Team™ Founding Partners at 1-800-HURT-911® New York. Robert began his legal career in 1993 as an Assistant Corporation Counsel defending The City of New York against personal injury lawsuits.