Re Insurance.

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Ok guys and gals. I have been an independent Property and casualty agent ( I own the agency) for 26 years. We have 7 different companies that insure bikes including Progressive who we like a lot for bikes, for reasons other than price.
Every state has it's own regulations for insurance, however there are common things that most all states are going to require
minimum liability limits for example. And there are common things that companies require ie. If they insure your bike they are going to get their annual premium whether you are able to ride or not. Hence you find that you make a downpayment with 3 or 4 consecutive payments, or you are on a 8,9, or 10 pay plan presto you pay for the whole year over the payment period.
If you are in the habit of just flat canceling your MC policy during the winter you may want to check what the discount is for continuous or the surcharge is for no prior insurance. You will frequently do well having multi-policies with the same carrier, ie auto,home or renters, m/c, sometimes even life insurance. However some companies like progressive will give bundled discounts for homeowners even though they don't insure homes. One last thought, Dairyland Insurance (a Sentry Co) for along time had killer rates for cruisers, we got rid of them in our agency because their auto rates sucked! but they were great on bikes.