Founded in 1944, Cote Insurance has offered high quality insurance to families, businesses and individuals from all walks of life. From the beginning when Windsor Cote started from his kitchen, our focus has been on providing unparalleled customer service across Upstate New York. It doesn't matter if you have a few blemishes or a totally clean driving record, Cote Insurance is here to make sure you find the right coverage at the right price for Auto, Motorcycle, Rv, Home or Business insurance.
Agents at Cote Insurance will educate you about New York's insurance requirements for Trucking, RV's, Homeowners and much more, so you can make an educated decision about your policy. At Cote we want to build a long lasting family style relationship by offering you the best coverage at the best prices, every-time. Just because we can get you cheap insurance doesn't mean that the coverage is "cheap".
We treat clients like family by providing them the best service at the best price every time.
Agents at Cote Insurance will educate you about New York's insurance requirements for Trucking, RV's, Homeowners and much more, so you can make an educated decision about your policy. At Cote we want to build a long lasting family style relationship by offering you the best coverage at the best prices, every-time. Just because we can get you cheap insurance doesn't mean that the coverage is "cheap".
We treat clients like family by providing them the best service at the best price every time.
Services
Fred Baldes the Head Honcho: At the ripe age of 12 Fred began his career as a paper carrier for the Times union newspaper.
He has been working his way up the chain ever since.
As the Owner of Cote Agency he has taken the business from a single location to multiple locations since 2010.
Fred holds and has held several industry designations such as CFP, ChFC, CLU, CASL and has a Masters in Financial Services from The American College.
Starting in the insurance and financial services field in 2002 he has helped thousands of families plan for and protect their future.
He has been working his way up the chain ever since.
As the Owner of Cote Agency he has taken the business from a single location to multiple locations since 2010.
Fred holds and has held several industry designations such as CFP, ChFC, CLU, CASL and has a Masters in Financial Services from The American College.
Starting in the insurance and financial services field in 2002 he has helped thousands of families plan for and protect their future.
Bodily Injury Liability: Coverage that helps pay for injuries you may cause another person while driving.
Property Damage Liability: Coverage that helps pay for property damage you may cause while driving.
Personal Injury Protection (PIP): PIP helps pay for medical expenses and occasionally other damages after an accident no matter who is at fault.
Comprehensive Coverage: This coverage pays for damage to your car that occurs from incidents other than collision.
This includes hitting a deer, fire, theft, hail, and wind.
Property Damage Liability: Coverage that helps pay for property damage you may cause while driving.
Personal Injury Protection (PIP): PIP helps pay for medical expenses and occasionally other damages after an accident no matter who is at fault.
Comprehensive Coverage: This coverage pays for damage to your car that occurs from incidents other than collision.
This includes hitting a deer, fire, theft, hail, and wind.
Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters.
A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy.
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters.
A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy.
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
Even small businesses require a hefty amount of insurance coverage.
Insurance to cover the property, the employees, the clients and even the cars are all a necessary part of protecting your business' assets.
Cote Insurance agency works with the top insurance carriers to find Capital District NY business owners the commercial car insurance they need to drive safely and follow NYS law without worrying about incidents making a dent in their pocket books.
Commercial auto insurance, also known as business car insurance or commercial car insurance, provides similar coverage to personal auto insurance.
Insurance to cover the property, the employees, the clients and even the cars are all a necessary part of protecting your business' assets.
Cote Insurance agency works with the top insurance carriers to find Capital District NY business owners the commercial car insurance they need to drive safely and follow NYS law without worrying about incidents making a dent in their pocket books.
Commercial auto insurance, also known as business car insurance or commercial car insurance, provides similar coverage to personal auto insurance.
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.
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.
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.
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.
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