Motorcycle riding is typically seasonal in many states, like Pennsylvania, causing riders to second-guess whether they should pay for coverage year-round. It’s not uncommon for these individuals to contact their insurance agents and drop coverage during winter or neglect to purchase a policy altogether. Though you may be tempted to do this to save money, even the most careful riders need protection year-round for the following reasons.

Why Maintain Motorcycle Coverage All Year

1. Unexpected Opportunities to Ride

Should you choose to get rid of the motorcycle coverage once winter arrives, you’d have to be certain there’d be no riding opportunity until the next season. This means you can’t take advantage of unseasonably warm winter days or agree to unexpected trips and adventures. Otherwise, you are vulnerable if an accident occurs. 

2. Continued Risk of Loss 

Even if your motorcycle is stored away during the months it’s not in use, it is still at risk of substantial damages due to fire, inclement weather, and vandalism. There is also the potential for it to get stolen. If you ask the insurance agent to cancel the coverage and experience such a disaster, you will have to pay for repairs or a replacement out of pocket.  

3. Significant Financial Hardship 

Motorcycle insurance protects riders from facing significant financial hardship from any losses incurred after an at-fault accident. As such, if you aren’t covered and something happens, you could be held liable and sued for someone else’s injuries and property damage. 

Instead of compromising your motorcycle coverage to cut costs, consult with an insurance agent about all the different discounts you’re eligible for. The professionals at Kleppinger Insurance, LLC, make it easy for clients to maintain affordable policies by helping them shop around for the best rates available. They offer Bethlehem, PA, residents unique solutions to cover all their insurance needs. Call (484) 357-1485 to speak with an experienced insurance agent, or visit them online to request a quote.