For numerous motorcyclists in Reno, NV, riding is a seasonal delight. The open road is an integral part of their lifestyle, whether it’s the refreshing spring breeze or the warmth of a summer’s evening ride through the Sierra foothills. But what happens when winter arrives, and your motorcycle remains in storage for months? This is where seasonal motorcycle insurance becomes crucial.

If you’re not a year-round rider, you might be tempted to cancel your policy during the off-season. However, this could put your bike and finances at risk. Even when parked, your motorcycle can be damaged by weather, theft, or vandalism. A lapse in coverage can also lead to higher premiums in the future.

Hinman & Associates Insurance suggests adjusting your coverage rather than canceling it entirely. Many insurance providers offer the flexibility to reduce your policy to comprehensive-only coverage during the months your bike is stored. This approach protects your motorcycle against non-collision risks while lowering your premium.

Your full coverage can be easily reinstated when you’re ready to ride again. Just remember to notify your agent before that first ride of the season. Also, remember that liability insurance is required by law in most states, including Nevada, even if you’re only an occasional rider.

At Hinman & Associates Insurance, we assist seasonal riders in Reno, NV, in striking a balance between cost and protection. We understand the local riding climate and offer tailored solutions that meet your needs, whether you’re on the road year-round or only a few months each year.

Before you store your bike or prepare to hit the road again, give us a call. We’re here to ensure that your motorcycle is insured intelligently, season after season.