Motorcycle ownership comes with questions about the type of insurance you need and whether year-round coverage is truly a necessity. Do you really need year-round motorcycle coverage? Are there downsides to pursuing coverage only during warm seasons? While it may seem like a cost-saving measure to only pay for coverage for part of the year, it could expose you to unexpected risks and higher costs in the long run.
Year-Round Protection
Even when your bike is parked and stored away for extended periods, it remains at risk of theft, fire, or damage from natural disasters. Comprehensive coverage addresses these risks, ensuring you're protected regardless of whether you're actively riding. Without this, a single incident during the off-season could lead to a costly repair or even the replacement of your motorcycle, leaving you financially vulnerable.
Cancellation Costs
Another important factor is the potential costs and implications of canceling and reinstating your policy. On top of reinstatement fees, many insurance providers raise premiums for policyholders with breaks in coverage.
Maintaining uninterrupted coverage helps establish a positive insurance history, which can be beneficial for keeping your premiums competitive over time. Temporarily dropping your insurance may appear to save money, but the higher rates you’re likely to encounter when reinstating it could outweigh any short-term savings.
Liability Coverage
Do you need year-round motorcycle coverage? Motorcycle insurance is often mandated by state law, especially for liability coverage. In California, the law mandates you must have liability insurance coverage for your registered motorcycle at all times.
Riding or owning a registered motorcycle without insurance can result in penalties, including fines and potential impoundment of the bike. If you cancel your policy and someone gets injured on your property while handling or inspecting your motorcycle, you could face significant financial and legal consequences without liability coverage.
The Solution
Luckily, securing cheap motorcycle insurance in California is easy with Saferoad Insurance. Maintaining coverage offers peace of mind and financial protection. If you're unsure about what coverage you want, consult an insurance professional from Saferoad Insurance to explore your options.
Protecting your bike and your wallet starts with making informed decisions. Contact us today for a personalized policy that will get you the coverage you need at the best price!