Protecting Your Motorcycle When the Weather Outside is Frightful

‘Tis the season! Although the winter weather can be magical, it can also be quite frightful. It is the time when we all try to clean out our garages so we don’t come out to a car covered in snow or frosted over. Sometimes, we simply do not have the room for our vehicles. This can be a problem with motorcycles, which are much more vulnerable to the elements. If it’s not safe to leave your motorcycle exposed, it’s definitely not safe to drive it. Many drivers cover up their motorcycles or tuck them away until the snow melts and it’s safe to take them for a spin again. So, what can be done to save you money during this time?  

Option #1: Motorcycle Storage Insurance

If you know that there are several months coming up in which you will not be driving your motorcycle, then you can let your insurance company know. Often, they will give you the option of switching to motorcycle storage insurance. This essentially means that they strip the policy down to what is referred to as “comprehensive”. Comprehensive coverage will protect your motorcycle from things like theft, fire, and damage from storms. It provides protection from things it could be vulnerable to while in storage, not while on the road.  

Option #2: Adjust Your Coverage

Some insurance companies will not give you the option of changing your insurance to comprehensive or storage coverage. Certain lenders might stipulate that you have full coverage at all times. There is another option. You can request to increase your deductible and decrease your limits of liability. The likelihood of you having to make a claim and actually pay your deductible is much lower, so this is a reasonable risk to take. This will make your insurance much cheaper during the months when you are not driving your motorcycle. Of course, if you go this route, make sure to set yourself a reminder to adjust your policy back to original settings when you’re ready to start riding again. If you forget, you will face an unfortunate deductible should something happen.

Option #3: Cancelling Your Policy

The final option would be to just go ahead and completely cancel your policy during the months you are not riding it. This provides the opportunity to save a good amount of money while you have your motorcycle in storage. However, there are a few risks with this. First of all, you will not have coverage should your bike get damaged or stolen while it is being stored. You would want to be confident that your motorcycle is being kept in a safe location.

In addition, you will need to secure an entirely new policy when you want to take your motorcycle back on the road. It is impossible to know whether your insurance companies will be be able to offer you the same rate as before. If, however, you are up for the new challenge of comparing quotes, you can start researching as the snow melts. Just be aware that any changes in your circumstances, such as dings on your driving record, might impact your costs.


Auto Listings
Motorcycle Listings
Life Listings
Health Listings
Home Listings
Small Business Listings

Leave a Comment

This site uses Akismet to reduce spam. Learn how your comment data is processed.


Home Insurance: Climate Change a “Hot” Topic at Final 2019 Debate

January 14, 2020

Climate Change is one of those buzz phrases that we hear all the time. The conversation has been happening for years, but it has been hard to get people on…

Read More

Guide to Open Enrollment: Making Sure You Are Insured for Next Year

December 3, 2019

‘Tis the season! That doesn’t just apply to the holidays, but also to health insurance. You have probably heard the phrase “open enrollment” tossed around either on the news or…

Read More

Life Insurance Needs Assessment: Top 5 Reasons You Need Life Insurance

November 24, 2019

We are all guilty of procrastinating every now and then. Especially when it comes to the somewhat morbid topic of life insurance. We all know that our death is an…

Read More

Health Risks and Insurance Costs of Vaping: Is It Really “Cool to Vape”?

November 14, 2019

For decades, smoking has been advertised as cool, sexy, and trendy. With the invention of the e-cigarette, tobacco companies did not stray from their tried and true marketing strategy. Plus,…

Read More

Evaporated into Thin Air: Unseen Effects of Vaping on Health Insurance

October 31, 2019

Among many of the world’s new inventions, e-cigarettes have become a new craze. A recent article from Reuters reported that roughly 1 in 20 Americans are currently vaping or using…

Read More

Save on Car Insurance: Top 5 Ways to Secure a Cost-Effective Auto Policy

October 17, 2019

We are all trying to save more money, but sometimes there don’t seem to be any areas to cut back. One avenue to explore is ways to save on car…

Read More

All Risk Home Insurance Coverage: It’s a Risky Business to Go Without

October 15, 2019

We have all heard the horror stories about people not buying specific insurance coverage and then losing their homes to a tragedy. After an earthquake in California, our neighborhood chat…

Read More

Gap Coverage 101: What You Need to Know About Health Insurance

August 22, 2019

Mind the Gap There are several situations in life that cause people to either change their health insurance, end their health insurance, or have a gap in coverage. I recently…

Read More