Having a motorcycle to ride around on when the weather is warm can be a great way to get outdoors and enjoy the sunshine. But it’s not always sunny or warm enough to ride. That can leave you wondering whether you need to have motorcycle insurance all throughout the year, or whether you can reduce or eliminate your coverage through the winter months. If you’re in the Scotia, NY area and have questions about motorcycle coverage, DePaulo Agency can help you get the information you need to make the right decision for your motorcycle and riding habits.
Technically, you need insurance on your motorcycle anytime you’re operating it on public roadways. If it’s sitting in your garage, it doesn’t have to be covered. So you could only insure it for the warm months when you’ll be riding and then not have coverage at other times of the year. Still, though, you’ll want to carefully consider whether that’s the best course of action. Your bike will be completely unprotected if it’s not insured, which could put it at risk for theft and damage. You also can’t spontaneously go for a ride if you happen to get a warm, sunny day during a typically colder time of year.
Reach out to the DePaulo Agency today, if you’re in the Scotia, NY area and have questions about motorcycle insurance. We can help you get the coverage you need, and decide if year round coverage is right for you. Even though you don’t have to have it, it could be to your benefit to keep your bike insured all throughout the year. Then you never have to worry about missing a ride due to a lapse in coverage and can have an adventure on any day where the weather makes you want to get out and go for a ride.