Yep you would, like I said, I am doing a 325 mile round trip soon while under “lockdown”. Figuring out who/who is not under a state/county/city “lockdown’ would be a paperwork nightmare. Just call your agent and “suspend” your policy (ies)...like your motorcycle for example.
And trust me, the huge majority of people are not going on 325 mile trips during this crises. If they did, the cootie would spread even faster. My area is full of parked cars parked in driveways and in front of homes. But most everyone is still paying full pop on their auto premiums.
Yet the big insurance carriers are conducting business as usual, telling everyone to pay up, regardless if their not using their vehicles daily as they once did.
Funny how that works.