Winter hits, dealerships clear space, and prices on motorcycles start to drop. It’s the perfect time to buy. But while you’re admiring the chrome and calculating your payments, there’s one thing most West Bloomfield riders forget until spring: insurance.

Off-season motorcycle purchases still carry year-round risks. If you buy the bike now and wait to insure it, you’re gambling with theft, damage, and liability you didn’t plan for.

At Agency Advantage Insurance, we help West Bloomfield, MI riders lock in smart motorcycle insurance the moment they sign the title, not six months later.

Why You Still Need Insurance Even When the Bike’s Parked

You’re not riding it. It’s in the garage. No harm, right? Wrong. Here’s what can still happen before spring:

• A fire damages your garage and the bike with it
• A break-in leads to theft
• You move or trailer the bike and cause damage in transit
• A friend “just wants to try it” and crashes
• You finance the bike, and the lender requires full coverage regardless of riding season

Your risk doesn’t vanish when the engine’s off. If it’s titled in your name, it needs protection.

What to Include in Your Off-Season Policy

Agency Advantage Insurance works with West Bloomfield, MI riders to build policies that make sense even when the bike’s not moving.

Consider coverage for:

• Comprehensive protection to guard against theft, fire, and vandalism
• Collision coverage if you plan to transport the bike
• Liability coverage in case someone else touches it
• Custom parts and equipment coverage if your bike has aftermarket upgrades
• Lay-up options that reduce premiums during non-riding months while still keeping essential protections active

Skipping coverage now might save a few dollars, but it could cost you thousands later.

The best time to insure your bike is the day you buy it. Call Agency Advantage Insurance in West Bloomfield, MI and get motorcycle insurance that protects your ride before the road even warms up.