The cost of your motorcycle insurance policy doesn’t vary unless you take advantage of a seasonal policy plan. Depending on your location in Georgia, you may choose a lay-up policy. If you don’t ride your bike in the winter months, you may not need to fully insure your motorcycle, especially if you store it for an extended period. A lay-up insurance policy suspends all your bike coverage—except comprehensive—for a specific period, enabling you to save on your insurance temporarily.