Click to CallNo matter what time of year it is, you need to be insured if you’re riding your motorcycle in Maryville, TN. Whether cruising down the Parkway on a sunny summer day or braving the cold for a winter ride, being adequately insured is always a must. However, during the winter months, when you’re not using your motorcycle as often, you may be tempted to let your insurance lapse. But is that a good idea?
Is There Seasonal Motorcycle Insurance?
There is no such thing as seasonal motorcycle insurance, at least not in the traditional sense. Your motorcycle insurance policy is annual, which means it covers you for 12 months, no matter how often or how little you ride. So, even if you only take your bike out a few times during the winter, you’re still required to maintain your insurance coverage.
A Carr Insurance Group agent can help you tailor your motorcycle insurance policy to fit your needs and budget, whether you’re a casual rider or an avid enthusiast.
Why You Shouldn’t Let Your Coverage Lapse
However, just because you’re required to maintain your motorcycle insurance year-round doesn’t mean you should let your coverage lapse, even for a short period. If you cancel your policy or let it lapse, you could face some severe consequences, including:
A New Policy Can Be More Expensive
If you let your policy lapse and then try to reinstate it or get a new policy, your carrier may charge you a higher premium. That’s because insurance companies view lapsed coverage as a red flag and may deem you a higher risk to insure.
You Could Be Penalized by the DMV
In most states, including Tennessee, it’s illegal to operate a motorcycle without insurance. If caught riding without coverage, you could be subject to a fine or have your license suspended.
Give Us A Call
Contact Carr Insurance Group today to learn more about your options for motorcycle insurance in Maryville, TN.
