Motorcycle policies are similar to automobile insurance policies in that they offer both liability and physical damage coverage to protect you and your assets. However, motorcycle policies also take into consideration that the weather is not usually conducive to riding year round, and your rates may be adjusted based on a “layover” period. The layover period is generally mid-to- late October through March, depending on your specific area. Contrary to many popular beliefs, motorcycles are very safe, especially when riders take advantage of Defensive driving clinics and safety features geared towards motorcycles.
A few tips for you: