Seasonal Riders: How to Adjust Your Motorcycle Insurance When You’re Off the Road

As the colder months approach, many motorcycle enthusiasts prepare to store their bikes until the warmer weather returns. For seasonal riders, adjusting insurance coverage during the off-season can lead to significant savings without compromising protection.

Five Strategies for Managing Offseason Motorcycle Coverage

As your bike remains idle and awaits warmer weather, you may wish to consider various options when reassessing and potentially adjusting your insurance. Specifically, taking the following steps may be advisable:

1. Understand your possibilities. Motorcycle insurance can often include several types of coverage, such as liability, collision, comprehensive and uninsured/underinsured motorist coverage. During the off-season, you might not need the same level of coverage as when you’re actively riding, potentially creating savings opportunities.
2. Consider comprehensive-only coverage. One popular option for seasonal riders is to retain only comprehensive coverage. This part of your policy can protect your bike against noncollision-related incidents such as theft, vandalism, fire and weather damage. Still, this could leave your bike somewhat vulnerable, as if you store it in a garage and it’s struck by another vehicle, a lack of collision coverage could prove costly.
3. Suspend coverage. Some insurance companies may offer the option to suspend certain coverages during the offseason. This means you can temporarily halt collision and liability coverage while maintaining comprehensive coverage. However, it’s essential to check with your insurer to ensure that suspending coverage won’t affect your policy or rates or leave you without the necessary protection.
4. Adjust your deductible. Another possible way to save on insurance during the offseason may be adjusting your deductibles. Increasing this part of your policy can lower your premium and, since the risk of an accident is minimal while your vehicle is in storage, this can be a cost-effective and low-risk strategy.
5. Work with your agent. Always inform your insurance provider about your seasonal riding habits. These professionals may have superior knowledge and experience to assess your needs and options, potentially helping to tailor your policy to find discounts or savings opportunities.

We’re Here to Help

Contact The Kimberlee Agency today to learn more about coverage options or compare personalized motorcycle insurance quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.