I know some choose to not insure their bikes during the winter months, but just for days like today I am glad that I keep it insured year round. I would not normally expect to be able to ride in January here in the northwestern part of IL, but today was sunny, it got up to 52 degrees, and the roads were clear and dry. I was out for about a 90 ride and it was only the second time since early November that I was able to get out on my bike. It was a great ride, and even if my insurance is a bit more costly for year round coverage, I am really glad I had it. I would have hated to not being able to ride today, especially since it may well be 10 weeks before I will again have the chance to go out on the bike.