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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Best Budget Motorcycle Helmet
Looking for a quality motorcycle helmet without breaking the bank? You’re not alone. Motorcycle helmets are a crucial safety investment, but navigating the options at a budget-friendly price point can be tricky. This article is here to help.
We understand the importance of balancing safety and affordability. That’s why we’ve conducted in-depth research to identify a helmet that offers both, exceeding what other budget options on the market can deliver.
Finding the Best Budget Motorcycle Helmet: Challenges
Skimping on a helmet is simply not an option. A motorcycle helmet is your first line of defense in a crash, and a well-made helmet can mean the difference between walking away and serious injury.
However, comparing features and quality within a limited budget can be a challenge. Many budget helmets sacrifice safety features or comfort for a lower price tag. Our goal is to help you find a helmet that prioritizes both without going over budget.
Stay tuned as we explore a helmet that defies expectations, offering excellent value for riders seeking a feature-rich, comfortable, and safe helmet around $250.
Key Takeaways
- Scorpion EXO Covert FX offers excellent value under $260, prioritizing safety, comfort, and features.
- DOT and ECE certified for meeting safety standards (depending on your region).
- Comfortable, removable, and washable liner for long rides.
- Anti-scratch, anti-fog visor for optimal clarity.
- Speaker pockets for easy communication system integration.
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Comparison Table Title: Top-Rated Budget Full-Face Motorcycle Helmets
Helmet Name Price (USD) Safety Certifications Liner Visor Features Additional Features Scorpion EXO Covert FX ~$260 DOT, ECE (depending on region) Removable, washable, moisture-wicking Anti-scratch, Anti-fog, Easy removal Speaker pockets Bell Qualifier DLX MIPS ~$280 DOT, ECE Removable, washable, anti-bacterial Anti-scratch, Anti-fog, Double shield system Pinlock-ready visor system, MIPS Brain Protection System HJC i10 ~$200 DOT, ECE Removable, washable Anti-scratch, Anti-fog Integrated sun shield No products found.
Notes:
- Prices are approximate and may vary depending on retailer and model year.
- This table is a starting point for your research. Be sure to read reviews and compare features before making a purchase.
Introducing the Scorpion EXO Covert FX
Coming in at around $250, the Scorpion EXO Covert FX stands out as a fantastic option for budget-minded riders seeking a feature-rich, comfortable, and safe full-face helmet. With its aggressive street fighter aesthetic, the Covert FX goes beyond just basic protection, offering a stylish design that complements your ride.
In-Depth Review of Scorpion EXO Covert FX
Safety Certifications:
Safety is paramount, and the Covert FX doesn’t disappoint. It meets the DOT and ECE safety standards (depending on your region), ensuring it has undergone rigorous testing to protect your head in a crash.
Comfort and Fit:
The Covert FX boasts a plush, removable and washable liner made with a moisture-wicking material. This translates to a comfortable ride, especially on longer journeys, and allows for easy cleaning after sweaty adventures. While the video mentioned potential sizing issues, the Covert FX comes in a wide range of sizes (XS-3XL) to ensure a proper fit. Finding the perfect size is crucial for both comfort and safety, so don’t hesitate to consult the manufacturer’s sizing guide or visit a motorcycle gear store to try one on before you buy.
Ventilation:
The Covert FX features a ventilation system with two intake vents on top and an exhaust vent at the rear. The reviewer in the video noted that airflow might not be the strongest, particularly for riders on naked bikes who experience more wind buffeting. However, for riders with fairings or those who don’t mind a bit more ventilation control, the system should provide adequate airflow.
Visor:
The Covert FX comes with an anti-scratch, anti-fog visor for optimal clarity and safety on the road. The video mentioned the visor is easy to remove for cleaning or replacement, a plus for keeping your vision clear.
Noise Levels:
The video reviewer mentioned some wind noise at higher speeds. While a quieter helmet is always preferable, this is a common trade-off for some budget helmets. If wind noise is a major concern for you, consider researching aftermarket wind tamer accessories that can be added to the helmet.
Additional Features:
The Covert FX includes integrated speaker pockets for easy installation of a communication system, perfect for staying connected with riding buddies or listening to music on your rides.
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Conclusion
The Scorpion EXO Covert FX is a remarkable helmet for budget-conscious riders who prioritize safety, comfort, and features without sacrificing style. It meets the highest safety standards (DOT and ECE), boasts a comfortable and washable liner, offers decent ventilation, and includes extras like a removable anti-scratch visor and speaker pockets – all at a price point under $250. As our research and the video review highlighted, the Covert FX delivers exceptional value for riders seeking a feature-rich, comfortable, and safe helmet.
If you’re looking for a helmet that excels in both safety and features without breaking the bank, the Scorpion EXO Covert FX is definitely worth considering. Several online retailers carry the Scorpion EXO Covert FX, and you can find more information and customer reviews with a quick web search.
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Additional Considerations
It’s important to note that the video review was based on a short-term assessment, and long-term durability remains to be seen. However, Scorpion is a reputable brand known for quality helmets, so you can be confident you’re getting a good product.
Finally, remember – a helmet’s most important quality is a proper fit. While we’ve provided information on the Covert FX’s size range, it’s crucial to try on a helmet before you buy to ensure a snug, comfortable fit. Visit your local motorcycle gear store and get sized by a professional to guarantee you get the best possible protection from your Scorpion EXO Covert FX.
Frequently Asked Questions About Budget Motorcycle Helmets
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The Ultimate List Of Motovloggers On YouTube Part II
Are you looking for motovloggers to follow?
Be sure to check out our other lists:
Shout Out To PhatboyR6 and No.Bumpers for helping me come up with this collection of motovloggers. So here they are in no particular order!
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How To Start A Yamaha R6
Starting a motorcycle is easier than it used to be, thanks to technology. While there are various kinds of bikes, starting a Yamaha R6 or other fuel-injected motorcycles is more or less then same across the board.
Here is how you start a fuel-injected motorcycle, like the Yamaha R6:
How To Start A Yamaha R6 Starting The Engine of a Yamaha R6
You can find this information in the owner’s manual of your bike, too. Before starting the bike, make sure you have done the following:
- The transmission is in neutral.
- The transmission is in gear, the clutch is pulled, and the kickstand/sidestand is stowed. Some modern models, Yamaha included, have a safety feature that will prevent the bike from starting if the sidestand hasn’t been raised.
Next, follow these steps precisely:
- Insert the key into the ignition.
- Turn the key to the ON position. Make sure the engine stop switch is set to the correct position.
- Warning lights and indicator lights should illuminate momentarily then disappear if conditions are satisfactory. These lights include:
- Oil level
- Coolant temperature
- Fuel level
- Shift timing
- Engine problems
- Immobilizer system
- Shift the transmission into neutral. The light should come on. If not, you might have an electrical circuit problem.
- Start the engine with the start switch.
- In the event of failure, wait a few seconds and try another start. Don’t draw out the time trying to start the engine to preserve battery power. Do not extend for more than 10 seconds.
General Instructions for a Fuel-Injected Motorcycle
Here’s some instructions to follow if you don’t have the make/model mentioned above:
How To Start A Motorcycle
- Put the motorcycle in neutral. Neutral is always located between 1st and 2nd gear.
- Put the key in the ignition if necessary.
* Note: Fuel-injected motorcycles have an engine management system. This means you don’t have to worry about using the choke lever. Only a small amount of throttle will be needed, regardless of engine temperature. - Start pulling the clutch near the left handlebar. Some riders choose to pull the clutch and front brake simultaneously, but the choice is yours.
- Press and hold the start button. You will find this on the right handlebar. Maintain your hold on the clutch.
- The motorcycle should automatically catch and start.
- If the engine doesn’t turn over and start immediately, you can try using the throttle while pressing the start button. Make sure you are holding the clutch.
- Remember to never crank the engine for more than 10 seconds clips at a time. Otherwise, you’re wasting battery power.
- You can slowly start to release the clutch.
Now, you’re ready to ride!
Final Thoughts
Unlike carburetor motors, fuel injection systems rarely fail. To prevent the pump from failing, do some routine maintenance. Get into the habit of listening to the bike and know what a healthy running engine sounds like. That way, if something unusual happens, you will be able to tell whether or not something is wrong with the pump fuse by sound alone.
Modern fuel-injected motorcycles are easy to start. Follow the instructions in this article, and you will have no problem.
For more information about how to start, ride, and care for your motorcycle, check out my YouTube channel. Hit the subscribe button for notifications whenever there’s an update.
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