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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What to Expect at a Beginner Rider Course
If you want to gain valuable experience, then you go to school. The same applies to motorcycle riding. When you sign up for the Beginner or Basic Rider courses that are available from multiple organizations throughout the U.S., you are taking a giant step forward. Here is what to expect:
Pre-Course Assignment
The assignment that you receive is dependent on the organization that you sign up with. Make sure you do this work, because you will be better prepared for what is to come in the class. You are welcome to take notes, write down questions to ask the instructor, and familiarize yourself with the terminology.
Necessary Items
When you have class, you should bring your student handbook, a notepad, pen, and some food items for snacks and lunch. These classes will last for most of the day, so be prepared for a full day of learning and moving.
You should wear jeans with ankle boots, a long-sleeved shirt or jacket, full fingered gloves, and a DOT-legal helmet. Some schools will have helmets to borrow if you don’t have one. Keep in mind that you won’t be able to attend the class if you don’t have the appropriate gear.
Also, regardless of the weather, the class will go on. Be prepared for cold mornings. Lightweight layers are best, because you can peel them off as you get hot. You should also wear a waterproof jacket, boots, and gloves, just in case it rains.What Happens In The Class
The class structure depends on statewide regulations and the course provider. However, most programs cover the same points. The courses are completed within two days, although you can sign up for more advanced courses later on.
First Day
On the first day of the Basic Rider Course, you don’t want to be late. Anyone who arrives late has a direct impact on how much information you receive—and you don’t want to miss anything. Before you turn on the engine, you need to sign some liability papers and other paperwork. You might be asked to introduce yourself and talk about what experience you have on a motorcycle. It’s fine if you have zero experience, because the class is designed for beginners. Relax and enjoy the chance to make new riding buddies.
The first half of the day talks about basic riding mechanics. This should be considered review if you did the pre-course assignment. If you jotted down any questions in your notes, this is the time you ask.
The first riding exercise doesn’t send you off down the road with no assistance. You review the handlebar controls once again. You mount, dismount, and turn the vehicle on and off. You then get a feel of the manually-operated clutch. Gradually, you get familiarized with the motion of the bike
The exercises thereafter include riding in a straight line, shifting gears, turning and cornering. The class is paced to allow for you to absorb this information is quickly or slowly as you need.
Second Day
The second day builds off the operations you picked up on the first day. Now, you can get more technical and polish those skills. The session begins with practice of slow speed maneuvering, emergency braking, swerving, and more cornering.
Once these drills are complete, you are assessed on your competency. The riding test will be the most stressful part of the day, because you need to successfully complete the exercises. If you don’t pass, you can retest for free; but if you fail twice, consider that riding a motorcycle might not be for you.
Other Things To Expect
There’s a reason you sign a liability form. You could tip over or crash during the hands-on section of the course. Don’t worry, though. This, too, is practice. Once you have fallen a few times, you get the hang of controlling the bike. You will receive advice for staying upright from a professional instead of having to figure it out yourself.
All in all, a Basic Rider Course is an excellent choice for all new riders who want to gain valuable experience before hitting the road. Though the course only lasts for two whole days, you learn much more than you probably expect. Go in with an open mind and leave riding your motorcycle. After that, the road is yours to master.
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Viking Cycle Bloodaxe Leather Motorcycle Jacket Review
When it comes to motorcycle jackets, you want something that balances the need to look like you own the road and enough protection to keep you from becoming part of the road. Viking Cycle, a brand based out of California, has been turning heads with their attention to detail and security in their full range of motorcycle clothing for men and women. The best part is the price tag.
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Overview of the Bloodaxe Motorcycle Jacket
Out of the box, the Bloodaxe looks awesome and feels awesome. When the jacket first goes on, you’ll notice it’s a bit stiff—but it does loosen up with some wear, as good leather should. The zippers have solid construction, open and close smoothly, and lay well when you’re riding.
The biggest advantage of the Viking Cycle Bloodaxe isn’t the awesome name but the amount of storage. You won’t believe the amount of storage space you have with this jacket. There’s so much, it’s almost ridiculous.
There is a headphone wire system that you can feed into the collar of the jacket, earphone pockets, a media player pocket, cellphone pocket with 3 second access, 2 knife and pen pockets, an eyeglass pocket, a pocket designed to find a 10-inch tablet, extendable keyholder, and another pocket that can fit travel documents and your wallet. The pockets have a unique “no bulge” design, so even if you somehow managed to stuff every single compartment this jacket has, it will still look flat and sleek and not like a bubble jacket. Overall, it sits nice on the body and doesn’t feel stifling.
The sizing does run a little small. Someone around 5 foot, 10 inches, 180 pounds will fall into the M-L range, depending on how much you want to bundle up. If you take out the thermal lining or don’t want to wear a lot of clothing underneath, you might want to size down to prevent the jacket from floating on you.
“As an Amazon Associate I earn from qualifying purchases.”Specifications
(listed adapted from vikingcycle.com)
- Construction – Drum-dyed soft genuine cowhide leather (milled buffalo), padded shoulders, and Viking cycle level 1 removable “armor” on elbows and spine; two intake vents on the top of the shoulders and exhaust vents in the back
- External Storage – 2 zippered chest pockets, 2 zippered side pockets, and a single sleeve pocket
- Internal Storage – 2 secured zippered pockets and a secret compartment
- Adjustability – waist snaps and sleeve zippers
- Visibility – High viz stripes located on the back and shoulders
Pros
- Sag and wrinkle resistant
- Wind and water resistant
- Abrasion resistant
- A ton of hidden pockets on the internal side of the jacket
- CE marked armor in the back and shoulders – comfortable and stays in place while riding around
- Budget-friendly cost without a lack of quality and safety
- Stylish design
Cons
- Can be hot – the jacket has a thermal lining and is heavy, so it can be oppressive in the summertime even with the vents open. For that reason, it might not be ideal for moving in slower paced traffic;
- CE armor level could be higher.
Warranty Info
Viking Cycle offers a 1 year manufacturer’s warranty on all of their products. This means that any defects or imperfections that you find are covered. The warranty does not cover wear and tear or damages caused from improper care.
This might raise some questions about durability, since some production errors or faults can take a few days or weeks to appear.
If you start to notice something odd going on with the jacket that you didn’t cause, you can contact Viking Cycle at [email protected] with the order number and a photo of the defect to get an exchange or refund.
Conclusion
Honestly, for the quality of the jacket, you would expect to pay more for it than you do. The name might be a bit for metal than what this motorcycle jacket offers, but the sleekness of the design, paired with the sound construction and unheard of amount of storage makes it a clear winner. If you’re looking for a balance of style and safety without breaking your bank, I recommend the Viking Bloodaxe motorcycle jacket for your wardrobe.
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What Every Rider Should Know About Road Rash
Road rash isn’t a punchline to a joke about bad motorcycle handling or old video game. Road rash, also called “friction burn,” is a serious injury. The severity of the wound is measured by degrees, the same as you would a chemical or fire burn. Since the skin is the largest organ of our bodies, getting road rash opens you up to other vulnerabilities, such as infection. But there is more to understand about road rash than these points.
Let’s look at this serious injury that can happen to anyone and learn how to classify and treat various types of road rash.
The Different Types of Road Rash
Not every bout of road rash is created equal. There are three main types of road rash:
- Avulsion – the skin is scraped away. Sometimes fat, muscle, and even bone will be exposed.
- Compression – where the body is caught between two objects, such as the motorcycle and the road. This results in bruising, broken bones, and damaged muscle.
- Open wound – usually require stitches. Open wound road rash might even require skin grafting.
Aside from the 3 different types, there are 3 degrees of damage:
- First degree – the first layer of the skin is red. Does not require medical treatment and will heal well enough on its own.
- Second degree – the first layer of skin, known as the epidermis, is broken. There can be bleeding and debris stuck in the wound. Usually requires little medical treatment and can heal with no scarring or lasting damage.
- Third degree – skin has been peeled away, leaving tissue, fat and sometimes bone exposed. Victims often need skin grafting.
The degrees of the crash depends on factors such as the force of the impact with the ground, the type of surface where the crash takes place, and whether safety gear was equipped.
Road rash will often occur in places that come in contact with the abrasive surface, either when attempting to catch oneself or when rolling or getting dragged. The outside of the legs, knees, palms, thighs, shoulders, and face are usually where road rash occurs.
Complications of Road Rash
Seek medical treatment immediately if you experience any of the following with road rash:
- Severe pain
- Inability to move affected region
- Cuts on the face that are larger than a ¼ inch
- Cuts on the body that are larger than a ½ inch
- Bleeding doesn’t stop
- Gaping wound remains opened with you relax the body
- Fat is visible in the exposed tissues
- Road rash is paired with other injuries, including possible concussion or broken bones.
Any open wound should be treated with antibiotics within six hours. Otherwise, you are at risk of infection.
Treatment and Recovery From Road Rash
Depending on the severity of the road rash, you can oftentimes treat it yourself. In that event, do the following:
- Stop any bleeding.
- Wash your hands with soap and water.
- Rinse the wound thoroughly.
- Wash the wound with soap, water, and then use some witch hazel.
- Apply a topical antibiotic.
- Bandage the wound.
- Change the dressing.
Note: During the recovery, the skin will undergo healing from the deepest layers to the top. It might get scabs. Do not pick the scabs. Instead, continue changing the bandages and applying topical antibiotics. Once the oozing stops, you can use petroleum jelly to keep the skin supple and lessen the scarring.
If you end up going to the doctor because of a deep wound, the medical professional might recommend using ibuprofen, a non-steroidal anti-inflammatory drug (NSAID), acetaminophen, or naproxen to deal with the pain.
Remember that because the skin has been opened by abrasion, you could be at risk for infection. Consider getting a tetanus shot. Tetanus boosters last 10 years, so if you had an injury where the epidermis or dermis of the skin has been injured, tetanus bacteria can enter the wound. At any time symptoms of infection begin, such as redness, swelling, warm or hot skin around the injury, tenderness, pain, or bloody ooze or yellowish pus, you could have an infection. Make sure to get to a doctor immediately.
Hopefully, you should now have an understanding of road rash and how serious it can be. Don’t ignore severe injuries after a fall. Drive safe and stay safe, so you can keep riding!
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