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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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 Properly Maintain Your Sportbike
Understanding the Importance of Sportbike Maintenance
Owning a sportbike is an exciting and rewarding experience, but it also comes with responsibilities. Proper maintenance is essential to ensure the longevity and performance of your bike, and to keep you safe on the road. In this comprehensive guide, we’ll explore the key components of sportbike maintenance and provide tips and tricks for keeping your bike in top condition.
Download RunThaCity’s General Sportbike Maintenance Schedule
Regular Maintenance Schedules: The Key to a Long-Lasting Sportbike
Regular maintenance is key to keeping your sportbike running smoothly and avoiding costly repairs down the road. The recommended maintenance schedule will vary depending on the make and model of your bike, as well as your riding style. Make sure to consult your owner’s manual for specific maintenance recommendations, and keep a record of all services and repairs performed on your bike. It’s always a good idea to perform routine checks on your sportbike to catch any potential issues early on. This can include checking fluid levels, the condition of hoses and belts, and the general state of the bike’s components.
Engine Oil and Filter Changes
One of the most important components of sportbike maintenance is regular engine oil and filter changes. Engine oil keeps your engine lubricated and prevents wear and tear, while the oil filter removes impurities from the oil. Oil changes should be performed at the intervals specified in your owner’s manual, and you should always use high-quality, recommended engine oil and filters. Skipping oil changes or using low-quality oil can cause serious damage to your engine, reduce fuel efficiency, and negatively impact performance.
Air Filter Cleaning or Replacing
The air filter is responsible for removing dirt and debris from the air that enters the engine. Dirty air filters can cause poor engine performance, reduced fuel efficiency, and even engine damage. Clean or replace your air filter at the intervals specified in your owner’s manual, or more often if you frequently ride in dusty or dirty conditions. Cleaning or replacing the air filter is a simple and inexpensive process that can greatly improve the performance and longevity of your sportbike.
Brake System Maintenance
The brake system is one of the most critical components of your sportbike, and proper maintenance is essential for safety. Regular brake inspections should be performed, and brake pads should be replaced as soon as they show signs of wear. The brake fluid should also be checked and replaced at the intervals specified in your owner’s manual. Worn or contaminated brake fluid can cause braking problems, and can negatively impact the overall performance of your brake system.
Tires
Tires are the only point of contact between your sportbike and the road, and they play a crucial role in handling and safety. Regular tire inspections should be performed, and tires should be replaced as soon as they show signs of wear or damage. Make sure to check the tire pressure regularly, as underinflated tires can cause handling problems and reduce fuel efficiency. Tires should also be rotated regularly to ensure even wear and extend their lifespan.
Battery Maintenance
Sportbike batteries can be expensive to replace, and proper maintenance is essential to extend their lifespan. Regular battery inspections should be performed, and batteries should be charged regularly if they are not being used. Make sure to disconnect the battery before performing any maintenance on your bike to avoid electrical problems. A battery that is not properly maintained can fail unexpectedly, leaving you stranded on the road.
Chain Maintenance
The chain is an essential component of your sportbike’s drivetrain, and proper maintenance is essential for smooth and efficient operation. Regular chain inspections should be performed, and the chain should be lubricated at the intervals specified in your owner’s manual. Make sure to use continue high-quality chain lubricant, and avoid getting lubricant on the brakes or tires. A worn or poorly lubricated chain can cause performance problems and even cause damage to other components of the drivetrain.
Suspension Maintenance
The suspension system of a sportbike plays a critical role in handling, comfort, and safety. Regular suspension inspections should be performed, and components should be replaced as soon as they show signs of wear or damage. Make sure to check the suspension settings and adjust them as necessary to match your riding style and the conditions you’ll be riding in. A poorly maintained suspension system can cause handling problems, reduce comfort, and negatively impact your overall riding experience.
Electrical System Maintenance
The electrical system of your sportbike is responsible for powering all of the bike’s components and accessories. Regular electrical system inspections should be performed, and components should be replaced as soon as they show signs of wear or damage. Make sure to check the battery, charging system, and all electrical connections for any signs of corrosion or damage. A poorly maintained electrical system can cause performance problems, reduce reliability, and even leave you stranded on the road.
Body and Fairing Maintenance
The body and fairing of your sportbike not only protect you from the wind and debris but also give your bike its signature look. Regular body and fairing inspections should be performed, and components should be replaced as soon as they show signs of wear or damage. Make sure to wash your sportbike regularly, and use high-quality wax or polish to protect the paint and prevent fading. A poorly maintained body and fairing can reduce the overall value of your bike, and make it more vulnerable to damage from the elements.
Conclusion:
Owning a sportbike is an exciting and rewarding experience, but it also comes with responsibilities. Proper maintenance is essential to ensure the longevity and performance of your bike, and to keep you safe on the road. By following the tips and tricks outlined in this comprehensive guide, you can keep your sportbike running smoothly, avoid costly repairs, and ensure that your riding experience is as enjoyable and safe as possible. Whether you’re an experienced rider or a newcomer to the sport, taking the time to properly maintain your sportbike is a worthwhile investment in your enjoyment and safety on the road.
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Viking Moto Motorcycle Backpack Review
Viking Moto Motorcycle Backpack Review
Let’s all agree that the biggest problem with our bikes being daily transportation is the lack of hauling capacity.
So, just as in our scholastic days, backpacks to the rescue! But not just any backpack will do. We’re out in the elements, we’re hauling heavier stuff than a few books, and of course, we don’t want to look like a vagabond. That’s where awesome designs like the Viking Bag’s Motorcycle Backpack shine.
This isn’t your high school backpack, oh no. This Cordura backpack features a modern classic look with leather trim and an understated aesthetic that will match your jacket and your bike, no matter what type of bike you like to ride.
Let’s take a closer look at this awesome bag, and how it can make your daily rides so much cooler.
Shot and Edited by Shaun Maddox
https://shaunmaddox.com/
https://www.instagram.com/shaunmaddox/
Construction
As I said, this backpack is made of Cordura, a modern marvel of material sciences that fits comfortably on your body, while not being a floppy, frail backpack. With dimensions of 18.5”x12.5”x5”, you can carry groceries, personal items, or personal items with ease and comfort no other bag can offer.
Need more organization, or to haul some electronics with you? Well, Viking’s completely onboard with 21st-century life, including a laptop sleeve and stretchy, sewn in pockets for organizing your styluses, connection cords, your phone, and anything else delicate and vital you may need to carry.
That’s not even the coolest thing this bag can do. We all know how important our helmet is for safety, but when we get off our bike, it becomes a cumbersome nuisance to carry around or somehow safely secure to our bike. With this Viking bag, that’s not an issue, thanks to the stretchy helmet lining which can hold pretty much any helmet of any size no problem.
Gone are any excuses, whatsoever, to forego your helmet. You know who you are!
The Feel
I took one of these out for a day ride, that is about 6 hours round trip, to go shopping in another area (I usually wouldn’t, but it’s a good field test for gear like this). By the time I reached my destination, I almost forgot this bag was even attached to me, and that was with a heavy laptop and backup battery in my bag.
I did, however, notice that as I took the bag off when going into a restaurant, that my shirt was a bit damp, as I’d sweat from where it blocked air flow to an extent. However, having had other bags leave the back of my shirt completely soaked through, I’d call this a considerable improvement in that department. Given this bag is weatherized, it kind of can’t have the airflow of something mesh, and I’d rather sweat a tiny bit while having my stuff protected from the elements.
What really caught my attention was the lack of soreness or discomfort across my shoulders, neck and upper back. I’m a broad-shouldered fellow, which means most backpacks with any weight, tend to tug on muscles and leave me sore or even numb – the broad design of the straps both across the shoulders and waist, didn’t cause that problem at all.
Pros and Cons
Pros
- This is an attractive bag that doesn’t scream “hobo” or “kid”, with a professional yet casual aesthetic that matches any jacket well enough.
- It’s weatherized, and will protect everything with gusto.
- It’s very comfortable, and the strap designs don’t cause soreness, discomfort or circulation problems.
- I can carry my electronics in an organized fashion – this modern thinking is lost on a lot of biking gear companies.
- The helmet lining does the biking community two great services by making our helmets no longer a nuisance, and eliminating any excuses for anyone to foolishly leave their helmets behind.
Cons
- Being weatherized, you will sweat a little bit, it can’t be helped.
- While attractive, the black may not be everyone’s taste.
- I know a few hefty guys who might find the fit of this bag, adjustable as it is, to be a bit precarious.
ADDITIONAL DETAILS
- Heavy duty Cardura Construction.
- Reflective piping for additional night time visibility.
- Built in helmet hood.
- Fits most 15″ laptops in padded compartment.
- Detailed organizer for your keys, wallet and other small items.
- Protective eyewear pocket.
- Duraflex® buckles throughout for added strength.
- Audio Ready.
- Height and width adjustable sternum strap.
- Aerodynamic molded body.
Conclusion
I like this bag. It’s not perfect, and I can see some room for improvement in variety of color schemes as well as a bit more adjustability in the straps for bigger people. I’d also like to see another model that’s stretchier, for if I have more stuff to haul back.
Nonetheless, this is a nice bag, and if you ride your bike for daily things like I do in decent weather, you owe it to yourself to give a bag like this a try!
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