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When the weather starts to cool down, motorcycle rides aren’t just uncomfortable — they can also be dangerous. While you’re keeping your bike in storage during the colder seasons, it might not feel worthwhile to keep paying for motorcycle insurance. However, it’s better to modify your policy than cancel it outright.

Why You Should Hold Onto Motorcycle Insurance During the Winter

Motorcycle damage isn’t just a risk when you’re cruising down back roads or accelerating on the highway. When your bike is in storage, it’s still vulnerable to threats like theft and vandalism, as well as fire and storm damage. If someone vandalizes your motorcycle over the winter, you won’t be able to file a claim if you’ve canceled your insurance. Therefore, you’ll have to pay for any cosmetic or internal damage out of your own pocket.

motorcycle insuranceThere’s also no telling that you’ll keep your motorcycle packed away for the entire season. If spring arrives earlier than expected, or if you decide to take your bike out for a quick ride, you’ll expose yourself to significant risks, such as collision damage.

How to Save on Motorcycle Insurance This Winter

The higher your motorcycle insurance deductible is, the less you’ll pay in monthly premiums. Therefore, it pays to ask if you can raise your deductible during the winter months. Since it’s less likely that you’ll need to file a claim when your bike is in storage, you probably won’t have to pay the exaggerated deductible.

You can also ask about purchasing a “lay-up” policy. This puts a temporary hold on the collision aspect of your motorcycle insurance, while leaving the rest of the comprehensive coverage in place. In other words, your bike will still be safe from vandalism, theft, and environmental threats.

 

 

If you’re interested in customizing your motorcycle insurance policy to fit your needs, turn to Action Auto Insurance Agency of New London, CT, for help. Their agents will help you find the coverage that makes you feel safe and confident on the road, as well as when your bike is in storage. They also offer auto, boat, home, business, and renter’s insurance. To learn more about their offerings, visit the website. You can also call (860) 444-7224 to request a free, no-obligation quote.

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