Motorcycle Insurance in New York

Why Choose Pinnacle Coverage for Motorcycle Insurance?

✅ Riders Who Understand Riders
We’re part of New York’s motorcycle community. From vintage Harley enthusiasts to sport bike riders, we know the roads you love and the risks you face.

✅ Customized Coverage for Every Bike
Cruisers, touring bikes, customs, or classics—we partner with top insurers to craft policies that match your machine’s value and your riding style.

✅ Affordable Rates, No Compromises
We hunt for competitive premiums and discounts so you can focus on the ride, not the cost. Save for safety courses, multi-bike policies, and more.

✅ 24/7 Claims Roadside to Recovery
Breakdown on the Southern State? Accident in Smithtown? We’ll dispatch help fast and handle repairs with local shops you trust.

Motorcycle Insurance Coverage Options

Tailor a policy that revs with your needs:

• Liability Coverage: Meets NY state requirements for bodily injury and property damage.

• Collision & Comprehensive: Repairs or replaces your bike after accidents, theft, vandalism, or weather damage.

• Uninsured/Underinsured Motorist: Protects you if another driver can’t cover costs.

• Accessory & Custom Parts Coverage: Upgraded pipes, custom paint, or saddlebags—insured to their full value.

• Safety Apparel Protection: Replace helmets, jackets, and riding gear damaged in a crash.

• Trip Interruption: Covers lodging and meals if your ride breaks down far from home.

• Roadside Assistance: Flat tires, dead batteries, or towing—help is just a call away.

• Agreed Value Coverage: Guaranteed payout for classic or restored bikes, no depreciation.

Save More with Rider-Friendly Discounts

• Motorcycle Safety Course Discount

• Multi-Bike Savings (Insure all your rides under one policy)

• Storage Discount for winter months off the road

• Anti-Theft Device Credit (Alarms, GPS trackers, or garage storage)

• Claims-Free Riding History

• Bundling Discount (Pair with auto, home, or life insurance)

Ask us how to throttle up your savings!

Fast, Fair Claims Process

1. Call Us Anytime: Report accidents or damage 24/7.

2. Local Repair Network: We work with New York’s top motorcycle mechanics.

3. Back on the Road: Quick approvals and direct payments to shops.

We’re New York’s Riding Advocates

From the twists of Ocean Parkway to the charity rides at Jones Beach, Pinnacle Coverage supports the local motorcycle community. We insure your freedom, your passion, and the open road ahead.

📞 Ready to Ride Protected?
Call Us: 1-800-574-0501

Your Bike Deserves a Pit Crew. Let’s Gear Up.

Pinnacle Coverage is an independent insurance broker licensed in New York. Policies subject to terms, conditions, and underwriting approval. Discounts may vary. © 2025 Pinnacle Coverage LLC. All rights reserved.