Winter weather can make motorcycle riding extremely difficult in Colorado. When temperatures drop, you may decide it’s time to store your bike for the season. Storing your bike for the winter, however, doesn’t mean you automatically drop all coverage. By scaling back your coverage, you can save money on your premium and still retain the protection you need during the winter months. Here’s how off-season motorcycle insurance from 1st American Insurance Agency in Longmont, CO can protect your bike during winter at reduced costs.
Reduced Collision and Liability Coverage
As you won’t be riding your bike during the winter, there’s no reason to maintain high limits on your collision or liability coverage. By reducing coverage to minimum levels, you can lower premium costs. At the same time, you retain some protection in case temperatures unexpected warm-up for a day or two and you have a chance to take your bike for a quick spin around town. Raising the deductible on your policy can also help in reducing insurance costs.
Don’t forget to revert to your original coverage when you’re ready to hit the road again in the spring so you’ll have the full protection you need for city riding or long-distance travel.
Putting your bike in storage doesn’t make it impervious to all risks. Depending on the safety of your storage unit, your bike could still be prone to theft, fire damage, storm damage or vandalism. By maintaining some level of comprehensive insurance, you can safeguard your bike against these risks. Dropping your coverage altogether puts you at risk of paying for unforeseen damage out-of-pocket.
To learn more about off-season coverage for your motorcycle, call or visit 1st American Insurance Agency in Longmont, CO today. We’re here to meet all your motorcycle insurance needs.