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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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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How to Ride a Motorcycle in the Rain
Be it a shower or deluge, rain can be your worst nightmare when on a motorcycle if you’re not properly prepared. During the spring and winter months, precipitation is unpredictable, and if you are in a rainy state, expect to get caught at least one shower while riding your bike. Rather than avoiding rainy days altogether, learn to ride your motorcycle in the rain.
Before The Ride
For maximum safety, inspect your bike to make sure it’s ready to tackle a ride in the rain.
• Fluids: Check your motorcycle to make sure there’s no brake fluid or oil leakage. While oil leaks aren’t very dangerous in dry conditions, when oil mixes with water, the road becomes a slick and dangerous course.
• Brakes: Make sure the brake pads have enough material left to help you with prompt stops in wet conditions.
• Tires: Check that your tires have enough tread to push water away and grip the road. You also want to ensure they have enough air pressure. Under or over-inflated tires react differently in water, but both are potentially dangerous.Weatherproof Gear
In order to keep you and your bike safe, you should have the correct riding gear and attire ready to go. You can choose between water-resistant and waterproof items. Water-resistant will shed water, but after a period of time, water will begin to permeate the material. Waterproof, on the other hand, will never allow for water to absorb into the material, unless you get completely submerged in water.
• Water-resistant or Waterproof Gear: Jackets and one piece suits should be zipped up tightly when riding in the rain to prevent water from seeping. Zippers should have a flap that covers the edges to protect the interstices. Cuffs on the jacket or coat need to be long enough to reach your gloves.
• Riding Boots and Gloves: More effective deterrents against complete saturation of your clothes. Both boots and gloves need to be tight enough to prevent water from dripping through. No one likes cold, wet socks.
• Helmets and Goggles: For the best protection, get a full-faced helmet. If you have a ½ or ¾ face helmet, get a pair of goggles. Pair the goggles with a waterproof balaclava that can shed water away from your face.
• Miscellaneous: If you have a saddlebag or storage unit, consider keeping a change of dry clothes with you. Also, keep plastic bags with you to keep valuables dry if you happen to get caught in a sudden rainstorm. Dry bags or waterproof backpacks can also help.
Be Cautious Of Road Conditions
Wet roads are dangerous for motorcyclists and other vehicle drivers, regardless of how prepared you may be. Even when the roads appear clean, they could be slick from oil. Here are some things to consider when traveling by motorcycle in the rain:
Less Traction
The first hour of rainfall is the most dangerous, because oils absorbed into the asphalt rise to the surface. During this time, it’s best to pullover at a rest stop about wait for about an hour. Once the rain has washed the road of oil and debris, you can head out again. Remember that this also means an increased braking distance.
Less Visibility
Sometimes, the fog or mist is too dense, or the rain is falling so hard you or other drivers can’t see. You can make yourself more visible to the traffic around you by wearing high visibility clothing and reflective patches.
Hydroplaning Risk
Hydroplaning occurs when water prevents the tire from making contact with the road. Reduce the risk of hydroplaning by avoiding painted lines, manhole covers, iridescent patches on the road and puddles (oil), tar snakes, metal crossing, and other places with reduced traction.
Also, you should reduce your speed when approaching puddles you can’t maneuver around. Start slowing down, squeeze the clutch, then coast through the puddle. If you’re going too fast, it’s better to maintain that velocity rather than slowing down abruptly, as this will reduce friction could cause fishtailing.
Decrease the risk of hydroplaning further with all-weather tires.Nature’s Wrath
Stay aware of lightning, hail, ice, sleet, and other conditions that could transpire in a rainstorm. High winds can cause debris to fall into the road, and you might not see it due to decreased visibility. If it starts lightning, pull over.
Conclusion
Not every day is going to be perfect riding weather. Planning ahead and being prepared goes a long way when dealing with rainy conditions. Not only will you stay dry, but you will arrive at your destination safely.
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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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