I put the bike up for the winter a week ago and I got an email yesterday for next years rates. It would have cost about $982 (excluding installment fees and payment option discounts) to keep the coverage I had on it for the year, several months of which the bike would be stored. I dropped the coverage to the legal minimum today and got a $79 credit for the rest of this year which I applied to next year with an additional $162 to pay it all off. In March or April when I start riding it again I'll up the coverage but save a few hundred for now. Does anyone else reduce theirs while stored, I know some around here keep full coverage in the hopes of getting some rides in?