Motorcycles are fun, and have become a bit of an American icon representing free spirits, independence and a fun personality. Who hasn’t, at one time, wanted one, or at least to try riding one?
Well, like with any vehicle, you’re going to have to be trained to ride it, and you’re going to need insurance, as with anything on the road. Insurance is a pain, of course. It’s one of those things you shell out hundreds of dollars a year for, and hope to powers above that you never wind up needing once you have it.
It’s necessary. When you’re on the road traveling at speeds of over sixty miles per hour, accidents can and will eventually happen. Humans make mistakes, and some are, to put it frankly, idiots who just drive or ride carelessly. Insurance protects you from said idiots.
Insurance is a necessary evil, so it’s not free. Before investing in your motorcycle, you should do your due diligence regarding what upkeep of your bike is going to cost you. This includes maintenance, plates, tags, your license and, most importantly of all, said insurance.
So, how expensive is motorcycle insurance? There’s no clear-cut answer to that, because different companies will vary, and more importantly, factors about yourself will directly, linearly impact price in every situation.
Let’s take some time to talk about these. If you see yourself described in any of these with prices you find painful, it may not be time for a motorcycle yet, or some other luxury may have to be given up.
What’s the Difference?
You’re thinking, you have a car, you know what car insurance rates are like, is there honestly a difference between cars and bikes in this regard? And if so, why?
To answer your first question, yes, there’s a significant difference in all regards between cars and bikes, from obtaining the license, to maintaining it, all the way up to insurance. It’s a horse of a very different color.
As for why? Well, all vehicles are inherently, mostly equally dangerous. How they’re dangerous is a big one. Vehicles can be dangerous to their passengers, of course, and often are. Their bigger danger is inflicting that damage on another unsuspecting driver, pedestrian, or other thing they may collide with.
A motorcycle is more dangerous to its rider(s). Hitting anything stationary like walls, polls, buildings or trees in a car is something you stand a decent chance of surviving, as the giant metal box around you absorbs the shock. Doing so on a motorcycle isn’t so pretty.
You could also fall off one of them doing 60, or be hit by one of the idiots we mentioned earlier whom drive negligently. When a four wheel vehicle hits a motorcycle, it usually does damage the car, though often fairly superficially. The motorcycle and its rider(s) enjoy no such luck. Riding a motorcycle requires far more vigilant operation due to this risk, the dangers of larger vehicles, and a plague of drivers who don’t check for motorcycles.
Check for motorcycles, America.
Insurance Pricing
Like we said, due to a lot of variables, there’s no way to predict with one hundred percent certainty what your price would be, even with a lot of criteria, as these prices tend to be calculated at the time by an agent, due to the impact of variables changing from time to time.
Thus, the pricing below is an average, or generality. They’re good enough to ballpark whether or not you have the budget to ride a motorcycle legally.
Cruiser or Touring Motorcycle
- 25-60 yo, Good Driving Record, Liability Only – This going to be the least expensive scenario, as liability is the minimal legal coverage possible, just as with home or car insurance. It’s not hard to qualify for this insurance if you have a clean or at least good driving record. It may be possible to get it cheaper through your car insurance provider, if you’re in good standing with them as a customer. Est. Price: $100-$500/year
- 25-60 yo, Good Driving Record, Full Coverage – Chances are, you’ll want to protect what you love, and that means additional coverage for repairs, replacements, theft and other such concerns, not just covering you legally in an accident. This makes the price go up a good bit, but for this particular customer bracket, less than you might expect. This too may be cheaper through your existing auto insurance provider. You may also cheapen it further via installing approved anti-theft devices, purchasing approved safety gear, and so on. Est. Price: $400-$800/year
- 25-60 yo, Bad Driving Record, Full Coverage – A bad record can really haunt you with insurance. Not only can it be hard to get liability (due to having a record of being one), but the price of the full coverage will be considerably higher. We can’t really even give you a reliable estimate here, because it all depends on which provider you approach, what kind of bad driving record it is that you have, and what kind of mood the agent is in when they quote the price. Suffice it to say, it will be very expensive, possibly unmanageably so, and there aren’t really any lifehacks to make it cheaper. Et. Price: Impossible to guess, but tremendously high!
Crotch Rocket Sports Motorcycle
- 16-24 yo, Good Driving Record, Full Coverage – A 16-year-old probably shouldn’t be on a motorcycle, especially not a crotch rocket of all things. At that age, if motorcycles are something they want to pursue as a hobby or way of life, they should be learning fundamentals on dirt bikes. However, in some states, it is legal under guardianship, and at 18, anyone can legally drive anything if they earn the license to do so. Inexperience (which for motorcycles often takes liability only off the table) raises prices quite a bit, and full coverage is itself quite expensive. Parents might be able to get prices lower if policies give them some of the responsibility, thus lowering the premiums a little, but really, this is just going to be expensive, no matter how you slice it. Est. Price: $900-$1200/year
Are you a long-time rider just seeing if you can find a better price for your motorcycle insurance? Are you someone who’s planning to get into biking? Did these prices make you rethink how interested you were? I’m curious to know, so subscribe to me on YouTube, and let me know somewhere in the comments if these prices are obscene, about what you expected, or quite a bit lower than you feared. Then stick around, if you still want to ride, I’ve got some great content to get you started with one of America’s great hobbies!
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Where To Buy Used Motorcycles
If you have made the decision to buy a motorcycle, you have probably set your budget and decided what bike is best for your needs. For many people, the cost of a brand-new motorcycle is out of their price range so they decide to go with a used bike. However, you want to be sure you purchase a bike that is in good condition, mechanically sound and will last you a long time.
With so many options available to find used bikes, it can be difficult to decide the best place to go to purchase yours. These are some of the best places to find used motorcycles and some tips on what to watch for when you use these services. If you’re wondering how to buy a motorcycle, here is another great article.
Where Can I Buy Used Motorcycles Online?
Get Cheap Used Motorcycles On Craigslist
You can find almost any type of bike available on Craigslist but there are some precautions you should take. Many people who sell on Craigslist are unaware of the true value of what they are selling, so it is possible to get good bargains there.
However, there are also many people who believe the old bike they refurbished is worth much more than it actually is, so it is important to do your homework before you answer an ad. Also remember that Craigslist is a true “buyer beware” option. If the motorcycle fails mechanically in a few months, you have no recourse against the seller.
Buy Cheap Used Motorcycles On Ebay
If you are searching for a hard-to-find bike, Ebay may be your best option. The biggest benefit to Ebay is that you don’t have to talk to the seller until you are ready to buy. Questions can be answered through the Ebay message system. Even when you are ready to buy, you don’t need to talk to the seller. Simply purchase the bike, pay online and it will arrive at your door.
This means you never get to test drive the bike nor do you get to have it checked out mechanically before you purchase. Although Ebay does have buyer protections, it can be a difficult process to manage. The bikes on Ebay are historically more expensive and there could be shipping costs involved which could drive the cost up significantly.
Find “Motorcycles For Sale Near Me” In The Classifieds
Fewer people check classified advertisements as newspapers slowly fade into the background and are replaced with online news sources. One of the benefits to checking the classifieds is that anyone who places an ad for a bike is motivated to sell.
Classifieds require the seller to pay an up-front fee to place the ad, unlike Ebay, where you only pay if the bike sells, or Craigslist, where you don’t pay at all. There are often small, local companies that publish nothing but classifieds in flyers and booklets where you may find bargains on used bikes.
Buy Used Motorcycles From Local Dealers
Dealerships take trade-in bikes all the time, so they often have a large inventory of motorcycles available. Many dealers also offer limited warranties on used bikes so if there is a problem, you may not be left with the bill to repair it. Dealers also have a reputation to uphold, and although there are some bad dealerships, the majority work to make sure you are satisfied with your purchase.
Dealers can also help guide newer riders to bikes that are suited for them. Although dealership bikes may be more expensive due to the overhead the company must pay, having a dealer back the used bike is worth the added cost in the long run.
Cheap Motorcycles For Sale On Facebook Marketplace
Facebook Marketplace has become really popular for buying and selling motorcycles and motorcycle parts. You can discover bikes for sale near you. Easy to use on your phone or your desktop, and most people already have a Facebook account. In fact that is how I found my 2004 Yamaha YZF-R6 (Second Generation). With Facebook Marketplace you can search by brand, model, year, price, and distance from your location. Once you find a bike you’re interested in simply message the seller.
Bonus Buyer’s Tip: Depending on the sellers Facebook settings, you may be able to see a few extra pics of the motorcycle and its condition by checking out the sellers profile. Most motorcycle lovers are proud of our rides and will have multiple pics posted. Simply click on the sellers profile and view images.
Take a look at a few other places you can buy used sportbikes online:
The Best Apps to Buy Used Motorcycles
One option for selling your bike online, designed specifically for buying or selling motorcycles, is RumbleOn. The site is available as a mobile app that allows you to put in all the info about your bike, take photos and upload to the site. RumbleOn sends you a Cash Offer Voucher that is good for three days. If you agree, they come get the bike and handle all the paperwork.
CycleTrader is another app that allows you to sell motorcycles and also includes reviews cars available online.
These apps are available in the Apple or Google Play Store:
Google Play Store Apps
On Apple Itunes Apps
These are just a few places where you can find used motorcycles for sale. Word-of-mouth is another way to find bikes for sale. A friend may know a friend who wants to get rid of their bike or a co-worker may be looking at upgrading. If you want to learn more tips on buying used bikes, subscribe to my YouTube channel today.
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Tips for Buying Your First Sportbike
Sportbikes are fast, flashy, and fun, but they are also complex machines that require a significant investment of time and money. Before you buy your first sportbike, it’s important to consider the following tips to make an informed decision and find the right bike for your needs.
Consider Your Riding Style:
Before you start shopping for a sportbike, it’s important to determine what type of riding you want to do. Do you want to push the limits of your bike on a racetrack or do you want a bike that’s comfortable for long-distance touring? Here are a few different styles of sportbikes to consider:
- Track-focused sportbikes: These bikes are designed for high-speed, aggressive riding on a racetrack. They have powerful engines, lightweight frames, and advanced suspension systems. They are not recommended for daily street riding as they are not well-suited for comfort and practicality.
- Street-oriented sportbikes: These bikes are designed for fast and nimble street riding. They are lightweight, have powerful engines, and are typically more comfortable than track-focused sportbikes. They are ideal for riders who want a sporty and fun riding experience on public roads.
- Sport-touring bikes: These bikes are designed for long-distance riding and offer the best of both worlds: performance and comfort. They are equipped with large fairings, windscreens, and comfortable seats, making them ideal for riders who want to cover long distances in comfort.
By considering your riding style and the type of riding you want to do, you’ll be able to narrow down your options and find the right sportbike for your needs.
Set Your Budget:
Sportbikes can be expensive, and the cost of ownership goes beyond just the purchase price. Before you start shopping, it’s important to set a budget and consider the ongoing costs of ownership, including insurance, maintenance, and upgrades.
Here are a few tips to help you stay within your budget:
- Determine how much you can afford to spend: Consider your monthly income and expenses, and determine how much you can comfortably afford to put towards your sportbike.
- Factor in insurance costs: Insurance is an essential part of owning a sportbike, and the cost can vary greatly depending on the type of bike and your location. Research insurance rates before you buy, and factor these costs into your budget.
- Plan for maintenance costs: Sportbikes require regular maintenance, and the costs can quickly add up. Make sure to factor in the cost of oil changes, tire replacements, and other routine maintenance items into your budget.
- Consider the cost of upgrades: Many sportbike owners like to make upgrades to their bikes, and the costs can quickly add up. Consider the cost of upgrades and factor these into your budget before you buy.
Remember, the most expensive bike is not always the best, and there are many affordable options that offer excellent performance and value. By setting a budget and considering the ongoing costs of ownership, you’ll be able to find the right sportbike that fits your needs and your budget.
Find the Right Size:
When buying a sportbike, it’s important to find the right size and fit to ensure maximum comfort and control while riding. Here are a few tips to help you find the right size:
- Consider your height, weight, and inseam length: The size of a sportbike can greatly affect how comfortable and in control you feel while riding. Use your height, weight, and inseam length to determine which bikes might be the right size for you.
- Test-ride several models: The best way to determine the right size is to test ride several different models. This will give you a chance to get a feel for each bike and see how well it fits you.
- Check the seat height: When test riding, pay attention to the seat height. You should be able to comfortably reach the ground with both feet while seated on the bike.
- Consider the reach to the handlebars: The reach to the handlebars is also important, as it affects your comfort and control while riding. Make sure the reach is comfortable and that you can easily reach the controls.
- Check the weight: The weight of a sportbike can greatly affect how comfortable and in control you feel while riding. Be sure to take note of the weight of each bike you test ride and consider how it affects the overall feel of the bike.
By considering your height, weight, and inseam length, and test riding several models, you’ll be able to find the right size and fit for your needs and ensure maximum comfort and control while riding your sportbike.
Inspect the Bike Carefully
Before you buy a sportbike, inspect it carefully for any signs of damage or wear. Check the wheels, tires, brakes, and suspension for any signs of damage, and make sure the engine runs smoothly and quietly. If you’re unsure about anything, have a mechanic inspect the bike before you make a purchase.
Additionally, pay attention to the bike’s overall appearance. Look for any signs of rust or corrosion, especially in areas such as the exhaust pipes, frame, and suspension components. Check the battery to make sure it holds a charge and has enough power to start the engine. Test the bike’s electrical system to ensure all lights, signals, and gauges are working properly. Check the air filter and oil level, and make sure the bike has been properly maintained and serviced according to the manufacturer’s guidelines.Another important aspect to consider is the bike’s history. Make sure to request a vehicle history report to determine if the bike has been in any accidents, or if it has a clean title. If you’re buying a used bike from a dealer, ask about the previous owner and if the bike has been well taken care of. If you’re buying from a private seller, be cautious and take a close look at the bike to see if it has any signs of abuse or neglect.
It’s also important to test ride the bike before making a purchase. This will give you a good feel for the bike’s handling, braking, and acceleration. Take the bike on different types of roads, including highways, twisty roads, and stop-and-go traffic, to get a good idea of how it handles different conditions. This will also help you determine if the bike is comfortable for you and if it’s the right size and fit for your needs.
In summary, thoroughly inspecting a sportbike before making a purchase is a critical step in ensuring you’re getting a high-quality, reliable machine that will provide you with years of riding enjoyment.
Research the Model and Brand
When researching a sportbike, it’s important to take a deep dive into the model and brand you’re interested in. This will give you an understanding of the bike’s history, reliability, and any common problems riders have experienced. Start by reading reviews from trusted sources to get a better understanding of the bike’s strengths and weaknesses. You can also visit online forums and read what other riders have to say about their experiences with the bike. Ask questions and take note of any common complaints or issues that have been raised. This information can be invaluable in helping you make an informed decision. Additionally, consider reaching out to the manufacturer or a dealership to learn about any current or upcoming models that may interest you. It’s always a good idea to do your due diligence before making a big purchase, and researching the sportbike you’re interested in is a key step in that process.
Conclusion
In conclusion, when it comes to buying your first sportbike, there are many factors to consider. From determining your riding style and setting a budget, to finding the right size and fit, and carefully inspecting the bike before making a purchase, each step is important in ensuring you make the right choice for your needs. Additionally, researching the model and brand you are interested in will give you valuable insight into the bike’s history, reliability, and common problems. With this information, you will be able to make an informed decision and enjoy many years of thrilling riding. Don’t be afraid to take your time and shop around, the right sportbike is out there waiting for you. Happy riding!
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How To Install A Voodoo Slip-On Exhaust
There are multiple reasons that people want to replace the stock mufflers that came installed on their motorcycles and replace them with aftermarket exhausts. Whether your muffler has become worn or you simply want to upgrade to a better-performing exhaust, replacing it is something that is commonly done by motorcycle owners everywhere. Here is how you can install the Voodoo Slip-On Exhaust.
1. Read the instructions until you understand them
Before you get started, make sure that you read the instructions and that you understand them. You shouldn’t dive in until you are certain that you understand what you are doing. Then, gather together the tools that you will need to install your new exhaust.
2. Loosen the joint where it connects
The way in which your muffler is connected will depend on the motorcycle that you own. You may be looking for a gasketed flange joint or a band clamp. When you find the joint, loosen it so that you can get ready to remove your old muffler.
3. Loosen the bracket for the muffler
After you have loosened the connection joint, you will next need to loosen the brackets for your muffler. You will need to make certain that you provide support to the muffler while you are loosening its bracket. If you don’t, the muffler may strike other parts on your motorcycle and cause some damage.
4. Take the old muffler off of your motorcycle
While mufflers for motorcycles are called slip-ons, removing your old muffler may still require you to use some force to dislodge it from your bike. After you have taken the old muffler off, store it somewhere safe.
5. Take your new muffler and slide it over your header pipe
You will be doing the same steps that you just completed when you install your new muffler, but you will be doing them in reverse. If you find that you are having trouble, stop and think about what you are doing.
6. Securing your new muffler
You will secure your new Voodoo exhaust by attaching it with band-style clamps or with brackets. If you have band-style clamps, they will work by tightening around your muffler to hold it in place. Brackets attach to both your motorcycle and your muffler. Make certain that you familiarize yourself with the instructions before trying to secure your muffler. If you have brackets, try tightening them with your fingers first so that you are less likely to damage the parts. After everything is in its proper place, reattach the gasket clamps, flanges or springs that you need to attach the muffler to your head pipe. Make sure that you do not use too much torque.
7. Wipe your new exhaust down
Before you hop on your motorcycle, make sure that you wipe your new muffler down to remove the oils that you left behind during the installation. If you don’t, it may be stained when it runs with the oils on the surface.
8. Look for leaks
Turn on your motorcycle and let it run while you look at it for leaks. You should check the top of the headers and the base of your slip-on exhaust.
Legal issues
Make sure that you understand what the law in your area requires for modifications to your motorcycle’s exhaust. Some modifications are only allowed off of the highways in some states.
Installing your new Voodoo Slip-On Exhaust is a relatively straightforward process. If you make certain to read the manuals and that you understand the laws in your area, you can soon have a great-looking and sounding muffler on your bike.
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