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David King Insurance Services LLC

549 E. Sandy Lake Road
Suite 100
Coppell, TX 75019

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Texas Insurance Blog

Do I Need Motorcycle Insurance in the Offseason?

The people in Coppell, TX and the Lone Star state are smart folks who know how to sniff out a great deal. If you’re a motorcycle rider who’s been wondering why you should be paying for insurance coverage all year when you might not ride it for several months, David King Insurance Services LLC has the answers you want.

The Chill of a Coverage Gap

One thing you absolutely do not want to do is let your insurance coverage lapse if you intend to insure the motorcycle again. Losing your previous coverage can lose the value of a negotiated policy price or benefits like long-term customer rewards. If you forget to reinsure once riding season rolls around again, you can get caught on the road without the coverage you need.

Offseason and Offroad Threats

Instead of canceling a policy to avoid charges when you’re not riding, look into seasonal coverage options that have reduced rates for your lower usage or drop your road-based coverage while still covering your motorcycle as property. Since homeowners’ and renters’ insurance may not cover most of a parked motorcycle’s repair costs, having the motorcycle covered on its own can protect you in case of hazards like fire or theft. Your provider may have their own set of offseasons, but they may also let you negotiate based on your real usage, just like some policies can be adjusted based on your travel radius.

Ask an Agent for Advice

Everyone’s insurance needs and realities are different. An experienced insurance agent, like us here at David King Insurance Services LLC in Coppell, TX, can help you determine which of your available insurance providers and policies are the right fit for your liabilities and assets.

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Print out your auto ID cards from home, anytime!


Partner Carriers

  • AIG
  • Allstate
  • American Modern
  • ASI
  • Bankers Insurance Group
  • Blue Cross Blue Shield
  • Bristol West
  • Chubb
  • CNA
  • Dairyland
  • Encompass
  • Foremost
  • Gainsco
  • Hallmark
  • Harleysville
  • Infinity
  • Kemper
  • Liberty Mutual
  • Mercury Insurance
  • MetLife
  • Mutual of Omaha
  • National General
  • Nationwide
  • Progressive
  • Safeco
  • State Auto
  • Texas Mutual
  • Travelers
  • Utica
  • Zurich