Are you a motorcycle enthusiast who loves to ride all year round? If so, you may be wondering if your motorcycle insurance policy covers snowmobiles and watercraft vehicles. Rutkousky Agency, an independent insurance agency that has been providing home, auto, business, motorsports, life and specialty insurance since 1962, can provide you with the coverage you need to enjoy the road with peace of mind. Adam Mitchell explains how motorcycle insurance premiums are distributed throughout the year and why canceling after the driving season is over won't save you much money. Motorcycle insurance is designed to protect you, your bike, and any other person or property that could be injured or damaged in an accident.
When it comes to motorcycle insurance, many riders have questions about how their policy premium is calculated and if they need to cancel their policy in the fall and start a new one in the spring. Your motorcycle insurance policy premium is accumulated or “used” at a different percentage each month, depending on the driving season. Motorcycle insurance protects you, your bike and your passengers, giving you peace of mind all year round, whether the bike is on the road or stored away during the winter months. Mitch is a leading digital insurance agency with a mission to make insurance adorable through exceptional experiences. Motorcycle insurance policies include several different types of coverages, and depending on how you drive and what you drive, you'll want to consider a couple of different options. The best motorcycle insurance will be sure to protect you from nearly all of the financial liabilities that result from an accident.
For example, Echelon will offer you a 5% discount for being continuously insured for 3 or 4 years, and 10% if you have continuous insurance for 5 or more years. When it comes to snowmobiles and watercraft vehicles, it's important to know that most motorcycle insurance policies do not cover these types of vehicles. If you plan on using either of these vehicles during the winter months, it's important to check with your insurer to see if they offer coverage for them. If not, you may need to purchase separate policies for each vehicle. At Rutkousky Agency, we understand that motorcycle riders have unique needs when it comes to their insurance coverage. That's why we offer custom motorcycle insurance policies that are tailored to meet your individual needs.
We can go beyond offering you a great rate with excellent coverage for motorcycle insurance by analyzing your total insurance package. If you don't ride a motorcycle in winter, insurance isn't mandatory, but it's usually best to keep your bike insured. High-value motorcycles or motorcycles that are 10 years old or older may require a full appraisal before a policy is approved.
