9. Ride When You Can, Don’t When You Can’t
Most motorcycle insurers allow riders to put their coverage on hold when they can’t ride for a period of time, or for the winter months. Many others offer “layaway” programs during the frosty season. In cases like these, accident-related insurance is suspended, but bike owners retain coverage for things like theft, vandalism and fire. Still, if there’s even a chance you might want to take a ride on an unexpectedly warm Saturday in February, a layaway program might not be worth the risk.