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Featured Daniel Carinci Agency, LLC Blog

Should You Keep Your Motorcycle Insurance Year-Round?

Sometimes, motorcycle owners in Pittsburgh, PA, are tempted to let their motorcycle insurance lapse during winter when bikes generally aren’t on the roads. Letting coverage lapse can have unwanted consequences, though. Instead, we at Daniel Carinici Agency LLC usually advise that riders adjust coverages rather than cancel their policy altogether.

Continuous Protection Against Theft and Damage

Even when not in use, your motorcycle could still be susceptible to risks like theft, vandalism, or incidental damage while stored. These risks are normally covered under a motorcycle insurance policy’s comprehensive coverage. If that coverage lapses, then you could be without recourse if your bike is damaged.

This is one of the main reasons why we at Daniel Carinici Agency LLC advise most riders to maintain their comprehensive coverage at least.

Compliance With State Coverage Requirements

Of course, motorcycles should be insured with a policy that meets Pennsylvania’s minimum coverage requirements whenever they’re on the road. Riders should generally have additional protections (e.g., comprehensive coverage) and higher limits than the state requires.

Cost-Effective Strategies

Many riders believe that canceling insurance during winter will save money, but the potential cost of damage is much more than what premiums could be saved. 

Rather than canceling your policy, let our agents adjust coverages so that you can save without taking on unnecessary risk. We can help you maintain coverage against damage when storing your bike and then readjust coverages to meet state requirements when you go back on the roads around Pittsburgh, PA, in spring. 

You’ll see some savings, and you can rest easily knowing your bike is adequately protected for the end of the year.

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Testimonials

Daniel Carinci Agency, LLC
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RG Electric LLC
RG Electric LLC
4 months ago

Amazing service and will highly recommend.

Mike Rafaloski
Mike Rafaloski
a year ago

These guys are amazing. Dan and Jamie have been great to work with while finding me home/auto insurance. I had no clue that my home was under insured on my previous policy. My new policy coverage is almost triple covered at a less premium. I'm happy I decided to give them a chance. They went above and beyond.

Caseybowser1
Caseybowser1
a year ago

Very fast and helpful when no one else was. Highly Recommended.

Megan layhew
Megan layhew
a year ago

This agency has been more than an insurance company but more as MY family! They have been there for years for everything along the way from new cars to homes to life insurance. This group means the most to me and my family and I would recommend them to anyone in the market or who isn’t a part of this nationwide group!

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