Does anyone drop their motorcycle insurance during the winter - Stromtrooper Forum : Suzuki V-Strom Motorcycle Forums
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post #1 of 26 Old 02-17-2013, 08:05 PM Thread Starter
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Does anyone drop their motorcycle insurance during the winter

I just got a quote from Progressive on my 2012 DL650 I'm picking up apr. 6th. Was much higher then my previous 1996 Honda ST1100A. Plus insurance on my scooter. Is there a problem with dropping the insurance for 5-6 months while the bikes are in the garage for the winter? I never thought about doing it before but now I'm looking at saving a couple hundred dollars.
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post #2 of 26 Old 02-17-2013, 08:17 PM
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I got Progressive too. I pay $180 for the entire year. I got a 2009 Wee with the normal coverage amounts.

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post #3 of 26 Old 02-17-2013, 09:05 PM
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Geico has a winter discount if you tell them the bike is in storage. They ask ou for the dates it goes into and will come out of storage. They don't check, it's honor policy. I think I saved 15-20 %.
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post #4 of 26 Old 02-17-2013, 10:22 PM
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Modern motorcycle insurance policies already give you an automatic credit for winter layups based on your local climate. So there's no longer any need to go through the rigmarole of dropping and picking up your insurance each winter.

Dropping and insurance can also cause problems with your state's DMV (depends on the state -- most require that you maintain insurance, even if you swear on a stack of bibles you're not riding the bike) and with many companies, a period without coverage in your history can lead to much higher rates.

With all that said, Progressive is simply not the best option for many riders. My rate with Progressive spiked sky-high for absolutely no reason a few years back (I guess Flo needed a raise), so I switched to a different company. Dairyland had good rates for me, and has a good reputation. YMMV.

Anyway, don't drop your insurance -- it can cause problems. Do shop around -- there are better options than Progressive.

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post #5 of 26 Old 02-18-2013, 12:15 AM
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Re: Does anyone drop their motorcycle insurance during the winter

Correct, insurance takes that into account depending on where you live. My wife is an insurance agent and told me this, along with my insurance agent I started with.

It's worth having it too because if your house or what ever you keep it in burns down or gets stolen it won't be covered. If an item stored can have its own insurance policy then it can't be covered by homeowners.

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post #6 of 26 Old 02-18-2013, 01:01 AM
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I dropped my insurance on my Yamaha V-Star this past winter to save a little money. I recently bought a new 2012 V-Strom 650 though and was a bit surprised at how high the insurance was. The dealer offered to look up rates for me and I said "Sure, why not". Surprisingly, they sent me an insurance quote that was about $300/year less than Geico, State Farm, etc. It's through American Adventure Insurance... may want to check them out. They give discounts for MSF, ABS, etc. too.
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post #7 of 26 Old 02-18-2013, 02:09 AM
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State Farm only does 12 month insurance policies for motorcycles.

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post #8 of 26 Old 02-18-2013, 11:26 AM
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Originally Posted by tr0uble View Post
State Farm only does 12 month insurance policies for motorcycles.
Yeah, I have State Farm as well and it's only $97 a year for full coverage where I live, even after a total loss claim. It wouldn't make sense to remove coverage. Plus, even if I only get out a few days in the winter, it's worth it.

06 V-Strom DL650

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post #9 of 26 Old 02-18-2013, 11:44 AM
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I have an '07 Wee with low miles and the insurance is only $75 / year (Progressive) - liability only.

I've been thinking of trading up a few years, now that I know I really like these bikes, but I need to look into the insurance cost issue. I think I've read that insurance companies might (?) have changed the classification (to sport bike (?)) of 650 V-Stroms of year 2012 and newer. If my insurance, for a 2012 Wee, for example, would be several times what I pay today on my '07, that's another reason for me to be happy with the bike I own today.

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post #10 of 26 Old 02-18-2013, 11:57 AM
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BWRinger has a good point.........

Alabama (maybe other states as well???) has started a new "process" when acquiring your yearly license plate must give DMV the Insurance Policy Number when getting the sticker. I'm all for it.........might keep some of the un-insured motorists off the road now!! The problem with dropping your insurance policy once a year is that the policy number "may change" when you renew it........??????? (I have no idea, just guessing). If you get pulled over by LEO and your "old" policy number shows up in the DMV record database (which I believe the LEO now has access to when "mobile") and you show him your "new" insurance card (with a different number on it), it could get interesting.
Also, way off topic, but if you use a license plate on your bike "X" and it was purchased for your second bike "Y", and you get caught, Alabama Law Enforcement has the ability to impound said vehicle right there on the spot until you can get the documentation cleared up in court. I've "borrowed" a plate off my daily rider bike to use on a temporary bike (that I intended to sell quickly in a week or two) so I could take a few rides on it prior to more. Not going to risk getting pulled over.
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