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 has a group of skilled, experienced attorneys who are also passionate motorcycle riders. 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 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 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).
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 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, 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 for a free evaluation to learn more.