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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Sena 3s Bluetooth Headset: Quick Review | SMH3
The Sena 3S Bluetooth Headset can best be described as simple but good, a tiny, light headset that weighs about the same as a few coins. Not only is it light, but it is also very easy to use with just two buttons used to control the headset. The headset is available in two versions – the 3S-B with a boom mic or the 3S-W with a Lilliputian mic.
The Sena 3S Motorcycle Bluetooth Headset
The Sena 3S Bluetooth Headset is the next generation of the Nexx SXCOM, the first self-contained motorcycle system which was a joint venture of Sena and Nexx. The headset was introduced at the 2014 AIMExpo Show in Orlando, Florida. The 3S is smaller and lighter than the SX-COM, containing a pair of speakers and a microphone. It is self-contained and uses a Bluetooth stereo headset and intercom. For a cheap motorcycle Bluetooth headset, the 3S has everything you need and nothing you don’t.
Using the Sena 3S
Early motorcycle headsets were extremely difficult to use. Some were so complicated, you needed to tape instructions to the gas tank to remember what sequence of buttons to press. They had very limited range and it was sometimes impossible to talk to passengers through the headsets. Included with the headset is a four-page “Quick Start” booklet or you can download a .pdf form of the leaflet from Sena here. The headset powers up using a quick press of the + and – buttons. Even better, these two buttons control the entire system, whether you want to change the volume, use your phone or pair a GPS or MP3.
SMH3 Sound Quality
The speakers on the Sena 3S are a little bulky, but not any worse than other types of motorcycle headsets. The sound is good and can be heard easily over the sound of the bike. The microphones are sensitive so the mouthpiece does not need to be pressed to your mouth like other systems. In fact, if the mic is too close and the volume to high, the speakers are overwhelmed. Music quality is good as well and you can distinguish bass sounds easily. For a cheap motorcycle Bluetooth headset, the sound is outstanding, however.
Should I Choose the Boom or Wired Version?
Whether to choose the boom or wired version of the 3S depends on several factors. The boom version is designed for open-face helmets due to the location of the operating buttons. The + and – buttons are located along the top end of the microphone and, although you can reach under the face shield to press them, this can be difficult. If you are also wearing thick gloves or have a large face shield, accessing the buttons on the boom mic is not easy. However, the wired version doesn’t work as well in full-face helmets, especially if there is a large chin vent. In those cases, wind noise can affect microphone performance.
Sena 3S Features
- Two-buttons on the control pad on the mic or the external mount control all features.
- Bluetooth intercom up to 200 meters (220 yards) in open terrain.
- Bluetooth pairing for mobile phones (can connect dual mobile phones).
- Voice prompts.
- Bluetooth stereo headset with A2DP.
- Bluetooth music playback control by AVRCP: play, pause, track forward and track back.
- Integrated audio booster.
- Up to 8 hours talk time, 7 days stand-by time.
- Individual volume control for each audio source.
- Firmware upgradeable.
Two-year warranty.
In the Box
- Bluetooth Built-in Speaker-microphone Unit
- USB Power & Data Cable (Micro USB Type)
- Microphone Sponges
- Male Velcro Pads for Speakers
- Female Velcro Pads for Speakers
Sena 3S Specifications
- Talk time: 8 hours.
- Stand-by time: 7 days.
- Working distance (intercom): up to 200 meters (220 yards) in open terrain.
- Operating temperature: -10˚C ~ 55˚C (14°F ~ 131°F).
- Dimensions:
- Speaker: 39.9 mm x 39.9 mm x 11.3 mm ( 1.6 in x 1.6 in x 0.4 in )
- Boom microphone length: 180.0 mm ( 7.1 in )
- Weight:
Headset: 59 g ( 2.08 oz. )
Bluetooth:- Profile: Headset Profile, Hands-Free Profile (HFP), Advanced Audio Distribution Profile (A2DP), Audio Video. Remote Control Profile (AVRCP).
- Bluetooth 3.0
- Audio:
- Built-in SBC Codec
- Noise cancellation
- Wind noise reduction
- Wide volume control
- Sample rate: 48kHz (DAC)
- Battery:
- Charging time: 2.5 hours
- Type: Lithium polymer battery
Sena Downloads
As a cheap motorcycle Bluetooth headset, the Sena 3S appeals to several types of riders. It is perfect for those who want to try a Bluetooth intercom set or those who need an easy-to-use system that isn’t expensive. To learn more about the Sena 3S Motorcycle Bluetooth headset and other accessories for your bike, visit check out my YouTube channel.
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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.
