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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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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Maximizing Performance: Upgrades for Your Sportbike
Riding a sportbike is a thrilling experience, but even the most advanced models can benefit from performance upgrades. Whether you’re a competitive racer or simply enjoy the thrill of high-speed riding, there are several modifications you can make to enhance the performance of your sportbike.
Upgrade Your Exhaust System: Unlock Hidden Power with an Exhaust System Upgrade
An exhaust system is an essential component of any engine, as it controls the flow of gases generated during combustion. The stock exhaust system on most sportbikes is designed to meet noise and emissions regulations, which can limit the performance of the engine.
However, aftermarket exhaust systems can offer improved airflow, allowing the engine to breathe more easily and increasing horsepower. An aftermarket exhaust system can be made from materials that are lighter and stronger than the stock system, reducing weight and improving performance. Additionally, aftermarket exhaust systems often feature larger-diameter pipes, which allow for greater airflow and improved power output.
If you’re looking for the greatest gains in performance, consider a full exhaust system replacement, including headers and muffler. The headers are the tubes that carry the exhaust gases from the engine to the muffler, and an aftermarket set can be designed with a larger diameter and improved shape to reduce backpressure and increase horsepower. The muffler is responsible for controlling noise levels, and an aftermarket muffler can offer improved sound and performance while still meeting noise regulations.
Upgrading your sportbike’s exhaust system can unlock hidden power and enhance its performance. While the stock exhaust system may meet noise and emissions regulations, it can limit the engine’s ability to breathe and generate power. An aftermarket exhaust system, including headers and muffler, can improve airflow and increase horsepower, allowing you to get the most out of your sportbike.
Enhance Your Air Intake: Breath Easy with an Air Intake Upgrade
The air intake system is responsible for delivering air to the engine, and it can play a crucial role in determining the performance of the engine. The stock air intake system on most sportbikes is designed to meet emissions regulations, which can restrict the airflow to the engine and reduce performance.
Upgrading to a high-flow air filter or a cold air intake can increase the amount of air entering the engine, providing a noticeable improvement in horsepower. High-flow air filters allow for a greater volume of air to enter the engine, providing a more oxygen-rich mixture that can improve combustion and increase horsepower. Cold air intakes work by relocating the air filter to a location outside the engine bay, where it can draw in cooler, denser air. This increased airflow can provide a noticeable improvement in horsepower.
Enhancing your air intake system can provide a noticeable improvement in horsepower and performance. The stock air intake system on most sportbikes is designed to meet emissions regulations, which can restrict airflow to the engine and reduce performance. Upgrading to a high-flow air filter or a cold air intake can increase the amount of air entering the engine, providing a more oxygen-rich mixture and a noticeable improvement in horsepower.
Fine-Tune Your Engine Management System: Re-Map Your Engine or Install a Power Commander
The engine management system is responsible for controlling the fuel and air mixture delivered to the engine, and it plays a critical role in determining the performance of the engine. The stock engine management system on most sportbikes is designed to meet emissions regulations, which can be restrictive and limit performance.
Installing a Power Commander or having the engine management system re-mapped can improve throttle response and power delivery, allowing the engine to operate more efficiently. A Power Commander is an aftermarket device that allows you to fine-tune the engine management system by adjusting the fuel and air mixture delivered to the engine. This can provide improved throttle response and increased power output, allowing you to get the most out of your sportbike.
Re-mapping the engine management system involves modifying the software that controls the fuel and air mixture delivered to the engine. This can provide improved throttle response and increased power output, allowing the engine to operate more efficiently.
Fine-tuning your engine management system can provide noticeable improvements in throttle response and power delivery. The stock engine management system on most sportbikes is designed to meet emissions regulations, which can be restrictive and limit performance. Installing a Power Commander or having the engine management system re-mapped can provide improved throttle response and increased power output, allowing you to get the most out of your sportbike.
Get the Ultimate Ride with a Suspension Upgrade: Suspension Upgrade
The suspension on a sportbike is one of the most important components in determining handling and stability. The stock suspension components on most sportbikes are designed to provide a balance between comfort and performance, but they may not meet the demands of all riders.
Upgrading to aftermarket suspension components, such as forks, shocks, and springs, can offer improved handling and a more comfortable ride. Suspension upgrades can also allow riders to fine-tune the suspension settings to suit their individual riding style and track conditions. High-performance suspension components can offer improved responsiveness and stability, allowing you to get the most out of your sportbike.
Forks and shocks are two of the most important suspension components, and upgrading them can offer a noticeable improvement in handling and stability. Upgraded forks can provide improved responsiveness, allowing you to negotiate turns with greater ease. Upgraded shocks can provide improved damping, allowing the rear tire to remain in contact with the road, even under hard acceleration or braking.
A suspension upgrade can provide a noticeable improvement in handling and stability, as well as a more comfortable ride. The stock suspension components on most sportbikes are designed to provide a balance between comfort and performance, but they may not meet the demands of all riders. Upgrading to aftermarket suspension components, such as forks, shocks, and springs, can allow riders to fine-tune the suspension settings to suit their individual riding style and track conditions.
Stop on a Dime with a Brake Upgrade: Brake Upgrade
Braking performance is critical for riders who like to push the limits of their sportbike’s performance. The stock brake components on most sportbikes are designed to provide a balance between performance and affordability, but they may not meet the demands of all riders.
Upgrading to high-performance brake pads and larger rotors can provide a noticeable improvement in braking performance, helping riders feel more confident on the track or road. High-performance brake pads can offer improved bite and modulation, allowing you to stop quickly and smoothly. Larger rotors can provide improved heat dissipation and stopping power, allowing you to slow down faster and with greater confidence.
Upgrading your brake components can provide a noticeable improvement in braking performance, helping riders feel more confident on the track or road. The stock brake components on most sportbikes are designed to provide a balance between performance and affordability, but they may not meet the demands of all riders. Upgrading to high-performance brake pads and larger rotors can provide improved bite and modulation, as well as increased stopping power, allowing you to stop quickly and confidently.
Conclusion
In conclusion, upgrading your sportbike can significantly enhance its performance and make it even more enjoyable to ride. These modifications can improve power delivery, handling, braking, and overall ride quality. However, it’s important to choose upgrades that are compatible with your bike and to have them installed by a professional to ensure optimal performance and safety. Whether you’re looking for a competitive edge or simply want to improve your riding experience, there are many options available for maximizing the performance of your sportbike.
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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!
