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 Can I Sell My Motorcycle?
If you have made the decision to sell your motorcycle, whether because you want to upgrade or because you have different priorities, knowing where to sell your bike is as important as knowing what to ask for it.
Selling your bike is already a difficult enough decision in many cases, so there is no need for the added stress of knowing the best place to sell your motorcycle. These tips can help you find the perfect place to sell your bike and will provide you with some tips that could make the process go more smoothly. You can find a few more tips on how to sell your motorcycle here.
Where Can I Sell My Motorcycle Offline?
Selling a motorcycle offline may not be as difficult as you think. You can place a “For Sale” sign on the bike when it is parked in your yard and it is possible someone riding by may decide it is the perfect bike for them. You can also take out an ad in the classified section of your local newspaper, although you will need to pay for the ad whether the bike sells or not. If there is a bulletin board in your neighborhood where people post about lost pets or yard sales, ask if you can post a sign about your motorcycle.
Tell your friends, family and co-workers that your bike is for sale. They may know someone who is in the market.
If you are selling your bike because you want to upgrade, talk to the dealer about trading in your old bike on a new one. Keep in mind that a dealer may offer you less for the bike than you could get if you sold it yourself, but it would eliminate the hassle of selling it yourself.
- Dealership
- Local Newspaper
- Front Lawn
- Flea Market
- Racetrack
- Motorcycle Show
Where Can I Sell My Motorcycle Online?
There are many different online options you can use to sell your bike. Craigslist is a free online advertising service, but keep in mind that some of the people who use the service are not above-board. If a buyer wants to purchase the bike from a Craigslist ad, insist on cash or certified funds at the time of the sale.
Ebay is another option for selling your bike, especially if it is unique or hard-to-find. You do not pay for listing your bike on Ebay until it sells and the buyer will pay for any shipping costs. It could be difficult, however, to find a company that will ship your bike so you want to research shipping prior to listing the bike for sale.
Facebook Marketplace
Recently 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.
Take a look at a few other places you can sell your sportbike online:
The Best Apps to Sell My Motorcycle
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 available online.
These apps are available in the Apple or Google Play Store:
Google Play Store Apps
On Apple Itunes Apps
If you want more information on selling your motorcycle or need tips on getting the best price for your bike, subscribe to our YouTube channel.
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Sena GP10 Bluetooth Pack for the GoPro Review
If you have always wanted to record turn-by-turn commentary on your rides and you use a GoPro Hero 3 or 4 to record, the Sena GP10 Bluetooth pack is a must-have accessory. The “BacPac” allows you to record narration in real time using Sena’s “Ultra HD Voice Recording” mode or the “Normal” mode. You can even combine voices from other intercom users so the entire conversation can be used as an overlay voice-over. Download the Sena GP10 User Guide Here
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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.
