i just changed all my vehicles to TD Insurance and they actually reduce the monthly rate during the winter months and charges full pop during the summer. i believe they are only charging me $54 from November 16th to February when they renew all their motorcycle policies.
I always reduce my coverage to storage coverage in the winter. Any time it is nice enough to ride during that time i just call in and they increase it for me for the day or two, and it only take about 5 minutes. Saves me about $200.00 in the long run.
"It is better to live one day as a lion than a hundred years as a sheep."