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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The Ultimate List Of 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.
Who Was The First MotoVlogger?
While it’s specifically documented when the first motovlog was created, the earliest motovlogging channels on Youtube is M13 which started in 2006.
Mordeth13
Are you looking for motovloggers to follow?
Since then the motovolgging community has exploded. Each rider has a different style of riding, a different sense of humor, and a different style of teaching.
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 Female 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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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.
Enjoyed this article? Want to learn more? Check out my YouTube channel and hit that subscribe button.
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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!
