--- description: Did you know that you can save money on your motorcycle insurance by choosing only to insure it during the months when you plan to ride it? title: Seasonal Motorcycle Insurance image: https://www.lawfran.com/wp-content/uploads/2023/01/0ad58611-fc09-4b62-888c-3ecf4635f95e-1-768x403-1.webp --- [Home](https://www.lawfran.com/) » [Motorcycle Accident Lawyers](https://www.lawfran.com/motorcycle-accident-lawyers/) » Seasonal Motorcycle Insurance # Seasonal Motorcycle Insurance * Last Updated: October 16, 2025 * Reading Time: 4 minutes trusted Content Legally Reviewed by: ![](https://www.lawfran.com/wp-content/uploads/2023/12/Fran-Haasch-Headshot-Current-2021.webp) Fran Haasch Updated 6 months ago [ ![Tampa Bay Trial Lawyers Association](https://www.lawfran.com/wp-content/uploads/2023/12/tbtla-1.webp) ](https://www.tbtla.us) [ ![10 Best Attorney Client Satisfaction American Institute of Personal Injury Attorneys](https://www.lawfran.com/wp-content/uploads/2022/01/logo-4.png) ](https://www.aiopia.org) [ ![Avvo Rating 10.0 Superb](https://www.lawfran.com/wp-content/uploads/2022/01/avvo.png) ](https://www.avvo.com) [ ![Florida Justice Association Logo](https://www.lawfran.com/wp-content/uploads/2022/01/logo-5.png) ](https://www.myfja.org) [ ![elite Lawyers of America ELA](https://www.lawfran.com/wp-content/uploads/2022/01/logo-3.png) ](https://www.elitelawyer.com) [ ![National Alliance of Attorneys Distinguished Member logo](https://www.lawfran.com/wp-content/uploads/2022/01/distinguished-member-2020-1-300x256.png) ](https://naoatty.org) [ ![American Academy of Attorneys Top 100 2020](https://www.lawfran.com/wp-content/uploads/2022/01/AAOA-Top-100-2020-1-1-300x212.png) ](https://aaoaus.com/directory/categories/florida-top-100) [ ![American Association of Justice logo](https://www.lawfran.com/wp-content/uploads/2022/01/logo-2.png) ](https://www.justice.org) [ ![Multi-Million Dollar Advocates Forum](https://www.lawfran.com/wp-content/uploads/2022/01/logo-1.png) ](https://www.milliondollaradvocates.com) Table of Contents Our Case results [ $5,010,000 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/5010000/) [ $4,000,000 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/4000000-3/) [ $4,000,000 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/4000000-2/) [ $3,010,000 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/3010000/) [ $2,405,000 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/2405000/) [ $2,400,000 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/2400000-2/) [ $2,400,000 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/2400000/) [ $2,330,000 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/2330000/) [ $1,600,000 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/1600000/) [ $1,550,000 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/1550000-2/) [ $1,500,000 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/1500000-2/) [ $1,500,000 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/1500000/) [ $1,494,446 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/1494446/) [ $1,400,000 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/1400000-2/) [ $1,400,000 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/1400000/) [ $1,300,000 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/1300000-5/) [ $1,300,000 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/1300000-4/) [ $1,300,000 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/1300000-3/) [ $1,250,000 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/1250000/) [ $1,200,000 Motorcycle Accidents ](https://www.lawfran.com/blog/case-results/1200000/) [ View All Results ](https://www.lawfran.com/case-results/) Our Practice Areas Testimonials Extremely attentive and considerate. Highly recommend them. When I got in my car accident they kept me up to date with everything didn’t have to be on top of them. Very professional. Thank you guys for all you help me with. Julie Rodriguez I was in a car accident a few years ago, they helped me through the process .Very professional and very generous toward the different charities that they help. I've gotten to know a lot of good people throughout the years that are affiliated with them. Thomas Scharf Attorney Fran Haasch was great in helping me with my medical bills and settling my case! They really cared about me and my family. I recommend them, if you have injuries from an automobile accident. Sofia Beshara Contact Us Today Free Consultation Call us Anytime 24/7 (727) 784-8191 Email This field is for validation purposes and should be left unchanged. Name(Required) First Last Email Phone(Required) Are You a New Client? Are You a New Client?Yes, I am a potential new client.No, I am a current existing client.I'm neither. Case Details(Required) Communication Consent I consent to receive calls and emails from Fran Haasch Law Group Accident & Injury Lawyers, including via automated technology, AI-assisted systems, and prerecorded messages, regarding my inquiry and related legal services. Consent is not a condition of services. [Disclaimer](https://www.lawfran.com/disclaimer-and-terms-of-use/) | [Privacy Policy](https://www.lawfran.com/privacy-policy/) SMS/Text Message Consent I consent to receive text messages from Fran Haasch Law Group Accident & Injury Lawyers at the phone number provided, including messages regarding my inquiry, case updates, and appointment reminders. Frequency may vary. Message & data rates may apply. Text HELP for assistance, reply STOP to opt out. Δ ![](https://www.lawfran.com/wp-content/uploads/2023/01/0ad58611-fc09-4b62-888c-3ecf4635f95e-1-768x403-1.webp) You know you need to carry motorcycle insurance. But did you know that motorcycle insurance can also be seasonal? That’s right – you can save money on your motorcycle insurance by choosing only to insure it during the months when you plan to ride it. Here we will discuss some of the benefits of seasonal motorcycle insurance and how to get it set up. [The Fran Haasch Law Group](https://www.lawfran.com/motorcycle-accident-lawyers/) has a group of skilled, experienced attorneys who are also [passionate motorcycle riders](https://www.lawfran.com/bikers-corner/). If you’re ever in an accident caused by someone else, we’ll work to help you obtain the compensation you have coming to you. Contact our office as soon as you can for a [free evaluation](https://www.lawfran.com/contact-us/) of your case. ## What is Seasonal Motorcycle Insurance? Seasonal motorcycle insurance is a type of motorcycle insurance you can set up to protect your motorcycle during certain seasons rather than all year-round. For example, if you ride your motorcycle mainly in the summer months and [store it away](https://www.lawfran.com/blog/2022/02/motorcycle-garage-insurance/) in the winter months, then seasonal coverage may be a good option for you. ## How Does Seasonal Motorcycle Insurance Work? To set up seasonal motorcycle insurance, you need to choose the months you want your motorcycle to be insured. For example, if you only want coverage from May through September, you would let your insurer know this and set up your motorcycle insurance policy accordingly. ## How Much Does Seasonal Motorcycle Insurance Cost? Seasonal motorcycle insurance costs less than traditional year-round motorcycle insurance. This is because you’re only paying for full motorcycle insurance during the months when you actually plan to ride your motorcycle. The savings can be significant, especially if you only ride a few months out of the year and store your motorcycle away during other times ([such as winter](https://www.lawfran.com/blog/2022/02/can-i-cancel-my-motorcycle-insurance-in-the-winter/)). Just like you would if you were buying car insurance, talk to different insurance carriers to obtain a seasonal motorcycle insurance quote. You’d be surprised at how different motorcycle insurance quotes can be from different insurance companies. ## What Does Seasonal Motorcycle Insurance Include? Different insurance companies treat seasonal coverage differently. In general, however, comprehensive coverage will remain in place. There are some insurers that will allow you to change your policy at any time, based on your specific coverage needs. For example, if you don’t plan on riding your bike during the winter months, you could [reduce the limits](https://www.lawfran.com/blog/2022/02/how-to-lower-your-motorcycle-insurance/) on your bodily injury and property damage liability coverage. You could also drop some options on a temporary basis, such as roadside assistance or trip interruption coverage. But even if you’re not riding, seasonal motorcycle insurance will still cover you against theft, fire, and many other potential issues that could arise while your bike is in storage. Talk to your motorcycle insurance coverage provider to learn what kinds of adjustments you may be able to make. ## Is Seasonal Motorcycle Insurance Right for Me? Seasonal motorcycle insurance might be a good option if you only ride your motorcycle during certain times of the year and store it away the rest of the time (such as winter months). This is because seasonal motorcycle insurance can save money on premiums while providing adequate coverage when needed most. The cost savings can be significant, too – many people find that they can cut costs by half with seasonal motorcycle insurance policies versus traditional ones that usually include 12-month terms. Motorcycle insurance offers a lot of peace of mind, no matter how often you ride. The best motorcycle insurance will not only be affordable but will also provide the coverage options you need. ## How to Get Seasonal Motorcycle Insurance If you’re interested in getting seasonal motorcycle insurance, there are a few things you need to do: – Contact your motorcycle insurance provider and ask if they offer seasonal motorcycle coverage. – Ask what the requirements are for setting up seasonal motorcycle insurance, such as how many months of coverage you need or what specific dates you need to insure your motorcycle for. Once you’ve set up your seasonal motorcycle insurance policy, carefully review the terms and conditions to make sure you understand what is covered and what is not. ## Disadvantages of Seasonal Motorbike Coverage The main downside of seasonal motorcycle insurance is that it does not provide full coverage all year round – so if you decide to take a [winter road trip](https://www.lawfran.com/motorcycle-accident-lawyers/motorcycle-trip-insurance/), you may be at risk of paying more out of pocket if an accident occurs. Make sure to read the terms and conditions of your policy carefully to understand what is and is not covered. ## What Do I Do If My Insurance Company Doesn’t Offer Seasonal Motorcycle Insurance? If your motorcycle insurance provider does not offer seasonal motorcycle coverage, you may be able to set up an annual policy with a different company that has more flexible terms. This is called “layering,” and it allows you to add additional coverages or reduce existing ones as needed throughout the year. A few companies will even give discounts if more than one bike is insured through them. However, their rates might vary depending on where you live, so check out what’s available near your home before deciding which one would work best for you. ## Can You Pause Insurance on a Motorcycle? Most motorcycle insurance providers will allow you to pause your motorcycle coverage for a period of time. For example, if you’re going on vacation or taking an extended break from riding, then it may be possible to temporarily suspend your motorcycle policy and resume coverage when needed again. The most important thing is to let your motorcycle insurer know what’s happening as soon as possible – don’t wait until the last minute. This way they can help make sure that everything goes smoothly with your motorcycle insurance suspension request. Now that we’ve gone over all there is to know about seasonal motorcycle insurance, it’s time for you to decide if this is the right option for you. If you only ride a few months out of the year, or if you store your motorcycle away during winter, then seasonal motorcycle insurance can be a great way to save money on your motorcycle insurance premiums. Contact your local motorcycle insurer today to learn more and get a quote. Also, please remember that The Fran Haasch Law Group will always be here for you if you’re in an accident caused by someone else’s negligence. [Get in touch with us](https://www.lawfran.com/contact-us/) for a free evaluation to learn more. ![](https://www.lawfran.com/wp-content/uploads/2023/12/fran-haasch.webp) INJURED IN FLORIDA? The Fran Haasch Law Group Is Here for You. Whether you’ve been hurt in a [motorcycle crash](https://www.lawfran.com/motorcycle-accident-lawyers/), [car accident](https://www.lawfran.com/car-accident-lawyers/), [truck collision](https://www.lawfran.com/truck-accident-lawyers/), or another serious incident, you deserve strong legal representation. Our experienced Florida [personal injury attorneys](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) will fight to protect your rights and help you recover the compensation you need. [ Schedule Your Free Consultation ](https://www.lawfran.com/contact-us/) Share this page Find an Office Near You Our Motorcycle Accident Locations At Fran Haasch Law Group Accident & Injury Lawyers, we’re proud to serve clients throughout the greater Tampa Bay area and beyond. With multiple offices across the region, our team is dedicated to making it easy for you to access experienced legal help close to home. Select a location below to learn more about the services available near you. 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Haasch Founding Attorney Over 20 Years Experience * [ Personal Injury ](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) * [ Car Accidents ](https://www.lawfran.com/car-accident-lawyers/) * [ Motorcycle Accidents ](https://www.lawfran.com/motorcycle-accident-lawyers/) [ ![Multi Million Dollar Advocates Forum](https://www.lawfran.com/wp-content/uploads/2023/12/logo-1-2.png) ](https://nwtla.org/members/francoise-haasch-esq/) Lifetime Member [ ![Avvo Rating 10.0 Superb](https://www.lawfran.com/wp-content/uploads/2023/12/avvo-2.png) ](https://www.justice.org/) [ ![National Women Trial Lawyers Top 25](https://www.lawfran.com/wp-content/uploads/2023/12/66659356429853-e1760028480574.webp) ](https://nwtla.org/members/francoise-haasch-esq/) [ ![Best of the Best Attorneys Top 10 Personal Injury Attorney 2024](https://www.lawfran.com/wp-content/uploads/2024/04/best-of-the-best.webp) ](https://bestofthebestattorneys.org/best-attorneys/2024-best-attorneys/) [ ![2024 Attorney and Practice Magazine Personal Injury Law Attorney Badge](https://www.lawfran.com/wp-content/uploads/2024/02/award.webp) ](https://www.attorneyandpractice.com/) Known for extensive trial experience and consistent client advocacy across complex injury cases. [ Meet Francoise M. Haasch ](https://www.lawfran.com/attorneys/francoise-m-haasch/) ![joshua-lipton.jpg](https://www.lawfran.com/wp-content/uploads/elementor/thumbs/joshua-lipton-r9krl6yuy47tqdgb2e2srqw299mmx0efn96wt2y4h8.webp "joshua-lipton.jpg") ## Joshua R. Lipton Managing Attorney Over 20 Years Experience * [ Personal Injury ](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) * [ Car Accidents ](https://www.lawfran.com/car-accident-lawyers/) * [ Motorcycle Accidents ](https://www.lawfran.com/motorcycle-accident-lawyers/) [ ![Florida Justice Association](https://www.lawfran.com/wp-content/uploads/2023/12/logo-5-2.png) ](https://www.myfja.org) [ ![Tampa Bay Trial Lawyers Association 2025](https://www.lawfran.com/wp-content/uploads/2025/10/tbtla.png) ](https://www.tbtla.us) [ ![Avvo Rating 10.0 Superb](https://www.lawfran.com/wp-content/uploads/2023/12/avvo-2.png) ](https://www.justice.org/) [ ![Best of the Best Attorneys Top 10 Personal Injury Attorney 2024](https://www.lawfran.com/wp-content/uploads/2024/04/best-of-the-best.webp) ](https://bestofthebestattorneys.org/best-attorneys/2024-best-attorneys/) Recognized for consistent results and strong client advocacy in complex accident cases. [ Meet Joshua R. Lipton ](https://www.lawfran.com/attorneys/joshua-r-lipton/) ![david-fuller.jpg](https://www.lawfran.com/wp-content/uploads/elementor/thumbs/david-fuller-r9krlbo1wae9cf9hay3xm7pd86zgzhx3bwgc7gr5m4.webp "david-fuller.jpg") ## David R. Fuller Attorney Over 30 Years Experience * [ Personal Injury Litigation ](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) [ ![Tampa Bay Trial Lawyers Association 2025](https://www.lawfran.com/wp-content/uploads/2025/10/tbtla.png) ](https://www.tbtla.us) [ ![Avvo Rating 10.0 Superb](https://www.lawfran.com/wp-content/uploads/2023/12/avvo-2.png) ](https://www.justice.org/) [ ![10 Best Attorney Client Satisfaction American Institute of Personal Injury Attorneys](https://www.lawfran.com/wp-content/uploads/2020/05/logo-4.png) ](https://www.aiopia.org) [ ![Florida Justice Association](https://www.lawfran.com/wp-content/uploads/2023/12/logo-5-2.png) ](https://www.myfja.org) Secured more than a dozen seven-figure settlements for clients. [ Meet David R. Fuller ](https://www.lawfran.com/attorneys/david-r-fuller/) ![AllenPipkins](https://www.lawfran.com/wp-content/uploads/elementor/thumbs/AllenPipkins-r9kqgp36i2s3j69yjdwfugs4wn8cagmr2tctgwzqjw.webp "AllenPipkins") ## Allen J. Pipkins II Attorney Over 10 Years Experiece * [ Personal Injury ](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) * [ Wrongful Death ](https://www.lawfran.com/wrongful-death-attorneys/clearwater/) * [ Motorcycle Accidents ](https://www.lawfran.com/motorcycle-accident-lawyers/) [ ![Tampa Bay Trial Lawyers Association 2025](https://www.lawfran.com/wp-content/uploads/2025/10/tbtla.png) ](https://www.tbtla.us) [ ![Avvo Rating 10.0 Superb](https://www.lawfran.com/wp-content/uploads/2023/12/avvo-2.png) ](https://www.justice.org/) [ ![10 Best Attorney Client Satisfaction American Institute of Personal Injury Attorneys](https://www.lawfran.com/wp-content/uploads/2020/05/logo-4.png) ](https://www.aiopia.org) [ ![Florida Justice Association](https://www.lawfran.com/wp-content/uploads/2023/12/logo-5-2.png) ](https://www.myfja.org) Combines experience from both plaintiff-side injury firms and large insurance companies. [ Meet Allen J. Pipkins II ](https://www.lawfran.com/attorneys/david-r-fuller/) ![laura-smith.jpg](https://www.lawfran.com/wp-content/uploads/elementor/thumbs/laura-smith-r9krlffenmjemv40ozqfw6r7lqgxuac0of2a4klkx8.webp "laura-smith.jpg") ## Laura Smith Davies Attorney (Of Counsel) Almost 20 Years Experiece * [ Personal Injury ](https://www.lawfran.com/palm-harbor-personal-injury-lawyers/) * [ Wrongful Death ](https://www.lawfran.com/wrongful-death-attorneys/clearwater/) * [ Motorcycle Accidents ](https://www.lawfran.com/motorcycle-accident-lawyers/) [ ![Tampa Bay Trial Lawyers Association 2025](https://www.lawfran.com/wp-content/uploads/2025/10/tbtla.png) ](https://www.tbtla.us) [ ![Avvo Rating 10.0 Superb](https://www.lawfran.com/wp-content/uploads/2023/12/avvo-2.png) ](https://www.justice.org/) [ ![10 Best Attorney Client Satisfaction American Institute of Personal Injury Attorneys](https://www.lawfran.com/wp-content/uploads/2020/05/logo-4.png) ](https://www.aiopia.org) [ ![Florida Justice Association](https://www.lawfran.com/wp-content/uploads/2023/12/logo-5-2.png) ](https://www.myfja.org) Known for her versatile trial experience and leadership roles across multiple legal disciplines. [ Meet Laura Smith Davies ](https://www.lawfran.com/attorneys/laura-smith-davies/) Related Content Want to learn more about car accidents? Whether its how to prevent them or what to do once you’ve been in one, [our blog](https://www.lawfran.com/blog/) can help you gather the knowledge and information you need. ### [ State By State Motorcycle Laws ](https://www.lawfran.com/motorcycle-accident-lawyers/state-by-state-motorcycle-laws/) ### [ Paul Teutul Sr. Presents Custom Orange County Choppers Motorcycle to Fran Haasch ](https://www.lawfran.com/bikers-corner/fran-haasch-receives-custom-orange-county-choppers-build/) ### [ Types of Head Injuries From Motorcycle Accidents ](https://www.lawfran.com/motorcycle-accident-lawyers/types-of-head-injuries/) ### [ How to File An Insurance Claim ](https://www.lawfran.com/motorcycle-accident-lawyers/how-to-file-an-insurance-claim/) ### [ Motorcycle Accident Brain Injuries ](https://www.lawfran.com/motorcycle-accident-lawyers/brain-injuries/) ### [ Spring Hill Motorcycle Accident Lawyer ](https://www.lawfran.com/motorcycle-accident-lawyers/spring-hill/) ### [ Brooksville Motorcycle Accident Lawyer ](https://www.lawfran.com/motorcycle-accident-lawyers/brooksville/) ### [ Venice, FL Motorcycle Accident Lawyer ](https://www.lawfran.com/motorcycle-accident-lawyers/venice-fl/) ### [ What Is Motorcycle Bias & How Can I Avoid It? ](https://www.lawfran.com/blog/2019/05/what-is-motorcycle-bias-how-can-i-avoid-it/) May 8, 2019 Motorcycle riders must often cope with the unfitting reputation of being wild and dangerous individuals simply for their transportation choice. However, it can be argued [ Read Full Post » ](https://www.lawfran.com/blog/2019/05/what-is-motorcycle-bias-how-can-i-avoid-it/) [ ![muffler in the middle of the road, road debris can cause damage](https://www.lawfran.com/wp-content/uploads/2023/01/muffler-in-road-debris-1.jpg) ](https://www.lawfran.com/blog/2023/01/who-is-responsible-for-road-debris-damage/) ### [ Who is Responsible for Road Debris Damage ](https://www.lawfran.com/blog/2023/01/who-is-responsible-for-road-debris-damage/) January 5, 2023 When a motorcycle accident is caused by road debris, it can be difficult to determine who is responsible for the damages. In most cases, the [ Read Full Post » ](https://www.lawfran.com/blog/2023/01/who-is-responsible-for-road-debris-damage/) ### [ Crash Data ](https://www.lawfran.com/blog/2020/09/crash-data/) September 26, 2020 A Look at Recent Motorcycle Crash Data As a motorcycle rider, you already understand that riding can be statistically more dangerous than driving, especially when [ Read Full Post » ](https://www.lawfran.com/blog/2020/09/crash-data/) ## Contact Us Today [ (727) 784-8191 ](tel:+17277848191) Our experienced attorneys are here to help you navigate your legal rights with confidence. Comments This field is for validation purposes and should be left unchanged. Name(Required) First Last Email Phone(Required) Are You a New Client? Are You a New Client?Yes, I am a potential new client.No, I am a current existing client.I'm neither. 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