Motorcycle season used to be year-round in Willis, TX. However, with more snow and colder weather in recent years, riders now face an off-season. It’s important to understand how your insurance works when you’re not riding daily.
State Requirements
Texas law requires you to maintain insurance on your motorcycle, even when it’s parked in the garage. Every vehicle that you take on the road must have insurance, regardless of whether it’s currently being driven. However, the law specifies that you must carry minimum liability coverage when operating your motorcycle on the road.
Considering Policy Cancellation
Canceling your policy while staying compliant with the law would require transferring ownership of the motorcycle, which is often not feasible. Instead, it’s best to consult an agent at Melvin Gessner Insurance Agency to explore alternative options.
Seasonal Coverage Options
Some insurance companies offer seasonal coverage for motorcycles and other vehicles that aren’t typically driven year-round. This type of coverage allows you to reduce unnecessary coverage levels, ensuring you only pay for what you need during the off-season. Availability of seasonal policies varies by company.
Reducing Coverage During the Off-Season
Many riders choose to reduce their coverage during the off-season. Comprehensive coverage may meet state requirements while also protecting your motorcycle in the event of an incident while it’s parked. Additionally, you can eliminate add-ons like roadside assistance that you won’t need during this time. Reviewing your policy with an agent can help you determine how much coverage you can reduce and how much money you can save.
We understand the desire to avoid paying for insurance you don’t currently need. Contact an agent at Melvin Gessner Insurance Agency to discuss your options. We proudly serve the Willis, TX area.
