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Based on AutoBlog.com, motorcycle insurance is more costly than car insurance though your bike may cost substantially less when compared to a car, dollar for dollar. This can be just as you are at a higher risk of an accident while riding your motorcycle than driving your car.
Someone having a good driving record on an economical bike may only have to pay several hundred dollars annually. However, a new passenger or someone with the accident history on a new sports vehicle may be paying $3,000 (per year) or more.
Getting coverage that is seasonal for a car can be hard; however, should you do not ride your motorcycle in the winter and are now living in a northern state, you can usually get what's called a layup policy.
When you are not utilizing the motorcycle, most of your insurance is suspended during the winter months. Comprehensive coverage is maintained to safeguard the automobile in case there is damage, other than vandalism, theft or fire.
In the event you are storing your bike in your garage, you may want to make sure it is covered for theft and fire by your homeowner's insurance, or get added coverage.