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 Cycle Motorcycle Rain Gear Review
If you’re a biker, you’ve undoubtedly heard of Viking. They’re a leading name in motorcycle gear, making some of the best coats, packs and much more. Did you know they also make the best motorcycle rain gear?
Riding motorcycle in the rain comes with a host of problems, not all of which have to do with road safety. I you live in an area that runs the gamut of climates and weather, and you like to depend on your bike for transportation, you need to be prepared.
When it comes time to buy your motorcycle rain suit, you want the best motorcycle rain gear you can get, and unsurprisingly, that’s going to come from Viking – who else?
What is Motorcycle Rain Gear?
Rain gear for motorcycle riding consists of one or two components – at least a jacket/top, and often, a pair of easily-removed pants. The material used is water-resistant, often nylon or poly-synthetic in nature, capable of sloughing off the built up water, and helping to fight the cold, damp wind you’ll be plowing into at high speed.
Not all rain gear for motorcycle riding is made equally, and Viking, already known for their excellent jackets, pants and packs, have combined art and material sciences to produce the best rain suit for motorcycle riders that money can buy.
Not only will it keep you warm and dry, but it’s remarkably easy to clean – count on mud and dirty tar-laden water splashing on you if you’re interested in riding motorcycle in rain.
OVERVIEW
Is it Lame to Wear Rain Gear on a Motorcycle?
You like to be respected by your fellow bikers, and there’s nothing wrong with that. If you’re going to ride, you want to ride in style and comfort. This has led some motorcycle riders to leave rain gear for motorcycle riding out of their repertoire in the past.
However, there is nothing lame or uncool about rain gear – the dirty water flying up off the road, and the rain itself, will ruin a leather jacket or a good pair of pants, and the high wind can result in you catching a cold, or even the flu or pneumonia.
Besides, the best motorcycle rain suit designs are quite stylish, matching any rider’s taste in bike and in the rest of their ensemble.
You don’t want to arrive at your destination soaking wet, as wet clothes is one of the most uncomfortable things one can imagine. On a colder, rainier day, you can become very ill if you allow yourself to get wet like this, and the wind will chew right through you as well.
Safety on a motorcycle isn’t just about riding properly and wearing your helmet. It’s about protecting your whole body from the elements, and that includes rain.
OVERVIEW
Viking Cycle Rain Gear offers you the freedom and comfort of movement for every biker’s needs in heavy rainy weather. The color options are bright for stronger visibility, along with reflective striping on the jacket to make sure you get to and from each destination safe and sound. Soft polyester outer shell with PVC packaging; our jacket has a Full-Length Zipper with a Velcro Strom Flap as well. In addition, we’ve added a head shield on the calf for added comfort and safe riding.
Ride through the rain while keeping yourself warm and dry by using these quality rain suits. While using this Viking Cycle Rain Suit you’ll be able to ride during heavy rain while knowing that your leathers under the rain suit will stay nice and dry. This rain suit has built-in reflective fabric on the pants and jacket to give you better night time visibility, keeping you dry and safe while you ride during bad weather.
What is the Best Motorcycle Rain Gear?
Viking’s rain suit for motorcycle riders is a top of the line, two-piece design. The stylish exterior is made of the latest in hydrophobic materials, sloughing off water, even gritty, muddy water from the road. The adjustable sleeves and collar of the jacket make it a one-size-fits-all solution that anyone with anybody build can wear comfortably and with pride.
The pants fasten to the jacket easily, creating a complete seal against the elements. With Velcro, it can easily be adjusted while providing a snug, closed fit that will never jam, rust or corrode.
The advanced material also breathes, with an advanced two-way thermal lining that can keep heat in against the cold, while also allowing breathing so summer rains don’t cook you in your own sweat and heat.
With an attractive gray/black style, it provides a timeless look that’s anything but lame or unfashionable, matching any bike, and any rider, be they young or old. If you’re interested in riding a motorcycle in rain, this is definitely the gear for you. Now you can enjoy those cross-country rides and be prepared for any weather this beautiful country can throw at you, and know you’ll arrive safe, dry, and feeling just fine.
To learn more about Viking’s other awesome biking gear, or about riding a motorcycle in the rain safely, subscribe to my YouTube channel today. I have some awesome things I want to show you, and this is just a taste!
TECHNOLOGY
Viking Cycle’s Rain Gear Fabric is a 100% 600D Polyester coated by PU (polyurethane). The 600D Polyester coated by PU, is also wind and water resistant so it will provide great protection against cold wind and rain and it will not sag and creates less wrinkle overtime. The fabric is light weight but highly resilient against abrasions to provide more resistance between the body and the road for your protection, and also stands against wear and tear for product durability.
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The Ultimate List Of Female Motovloggers On YouTube
What Is A Motovlog?
Simply put, motovlogging is when you attach a camera to yourself or your motorcycle and record your ride. Wikipedia defines it as:
A motovlog is a type of video log recorded by a person while riding a motorcycle. The word is a neologism and portmanteau derived from “motorcycle”, “video” and “log”. A rider who creates video blogs known as a moto blogger, and the action of making motovlogs is called motovlogging. Most motovloggers upload their videos on YouTube, and the network of motovloggers here is known as the motovloggers community.
Are you looking for motovloggers to follow?
While I’m positive this isn’t a complete list, I’m sure you’ll find a channel here that will peak your interest. Make sure you check back frequently because I’ll be adding to this list.
If you’re a motovlogger that would like to added to this list simply follow me on YouTube and fill out my contact form and I’ll get you added!
Coming Soon:
- The Ultimate List Of Motovloggers
- The Ultimate List Of Instagram Motovloggers
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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HJC IS-17 Motorcycle Helmet Review
The HJC IS-17 helmet is one of the most popular in HJC street helmets, made of advanced polycarbonate composite and with a new 3D face shield design. It is kind of a mixture of the HJC FG-17 and the HJC CL-17, although the FG-17 has a fiberglass composite shell and the IS-17 has a different fit than both the CL-17 and FG-17. Although the IS-17 has a comfortable fit and a sun visor that provides excellent coverage, it does not have good ventilation and the internal sun visor means it does not have Snell certification.
HJC IS-17 Motorcycle Helmet Overall Quality
All the parts of the IS-17 move together well despite the fact that the recommended retail price is around $162. Despite the cost, the paint and finish are good quality and comparable to helmets that are similarly priced, although it should not be compared to higher priced helmets like Arai or Shoei. The chin curtain, like the CL-17, is an option, although for a few extra dollars, it could be included as standard. The pinlock insert is also an option, although it is not as critical as the chin curtain. The clear plastic face shield has some waviness and clouding that could result in a visibility problem. In addition to the face shield, the fact that 85 percent of the vent holes are blocked is an issue. Very little air flows through the vents to the rider and the fabric liner across the top blocks the top vent.
Click Here For HJC Helmets 2017 Catalog
Helmet Fit, Internal Shape and Liner
The sizing seems slightly off in the IS-17 with an “XL” fitting more like an “L” and the internal shape feels mostly “neutral” rather than “slightly round” like other HJC helmets. This may be due to the sun visor at the forehead which gives a feeling of less room inside the helmet and a snug fit. The interior is nicely padded and the fabric comfortable. You can remove the cheek pads and liner for washing. There are also optional cheek pads in sizes that range from XS, at 40 mm thickness, to XXL, at 25 mm thickness.
HJC IS-17 Face Shield, Outward VisibilityThe face shield operation in the IS-17 is exactly the same as the FG-17 with a center locking lift tab that works fine on the helmet. The center locking lift tab also allows you to adjust for city positions or for an initial defogging. It does have waviness that could affect visibility and which some riders may find unacceptable. The eye ports seem to be slightly better than average despite the sun visor. Once the shield is locked shut, it seals tightly around the eye port gasket. Water drains away from the rider along the top of the gasket and along the sides through a rotating mechanism. The face shield is easy to remove and can be replaced with optional mirrored or tinted face shields.
Helmet Ventilation and Air Flow
Ventilation and air flow in the helmet is one of the biggest problems. The top vent looks as if it should draw in a lot of air but the holes through the lining do not come close to lining up with the vents. In addition, the fabric liner blocks the vent holes to the point that even if air came into the helmet, you would not feel it because the holes are covered. This is not only true of the top vent, but also for the rear exhaust vents. The chin vent does direct air up, but it is an option with a price of between $4 and $5, something that is worth the added cost.
How are the Helmet Sound Levels?The HJC IS-17 is quieter than most helmets with general wind noise around the sides. However, since the fit is tighter than other HJC helmets, it keeps the noise levels low. It works well as a windscreen and has low turbulence noise as well. Because the top vent holes are blocked, there is very little noise from the top of the helmet.
Although most of the features of the IS-17 make it a good option, the fact that it does not have the Snell M2010 rating is a major drawback. Studies have shown that nearly 23 percent of helmet impacts are in the forehead region where the internal sun visor sits. In addition, the top vent system and the wavy face plate present significant problems.
