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 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!
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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.
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How To Use A Battery Tender®
One of the most heartbreaking situations any car or motorcycle lover will experience is when you have beautiful riding or driving weather, are excited to hit the road, and the engine doesn’t turnover. The reason? Low battery power.
If you have a nifty gadget called a Battery Tender®, you can recharge the battery and bring it back to life in no time. A Battery Tender® is a friendlier alternative to traditional battery charges because of the technology housed within the device that is designed to prolong battery life.
Before you decide to buy a Battery Tender®/Maintainer, though, let’s talk about what they are, what battery maintainters do, and why you should have a maintenance charger for your motorcycle.
What Is A Battery Tender®?
Also known as “float chargers” or “maintenance chargers,” Battery Tender® were first created by the U.S. company Deltran in 1965. What separates battery tenders from plain ol’ chargers is that these devices provide a constant voltage supply but also are controlled by processors. In other words, they are able to refrain from charging faulty batteries, use spark-free technology, and have green and red indicators that help you understand what’s happening in just a glimpse.
A Battery Tender® is the opposite of a trickle charger, an unsophisticated, less expensive option. Though the purpose is similar, a trickle charger doesn’t have microprocessor technology that prevents it from damaging the battery if you leave it charging for an extended period of time. Furthermore, you can use a battery tender when you plan on storing your motorcycle for several weeks on end, like over winter.
Keep in mind that a Battery Tender® is not able to jump-start a long-dead battery. When this happens, you need a trickle charger.
For this reason, you can think of a Battery Tender® as a trickle charge with a brain—the exact words of the original manufacturer, Deltran. Of course, there is more than one brand of Battery Tender® available on the market.
For example, the DieHard Battery Charger/Maintainer is similar to a Battery Tender that employs things like Float Mode Monitoring to charge more than just motorcycles. Whichever model you choose, just make sure they have features like auto-adjust amperage to help maintain the charge, easy-to-read indicator lights, and float mode monitoring.
Using A Battery Tender®
Operating a Battery Tender® is easy. To use a one of these devices, you just plug it into any standard AC outlet and use it to transfer power to the 12-volt battery in your motorcycle.
When preparing to use the battery tender, keep the AC and DC cords away from the vehicle. Keep the charger off until you have everything plugged in.
Depending on the motorcycle, the connections might differ, so refer to your owner manual. Once you have the battery tender connected to the correct posts on the battery, you can switch it on.
You should see indicator lights turn on, such as:
• Flashing red light – AC power and microprocessor is functioning properly. However, if the flashing continues, the voltage might be too low. Take a look to make sure the alligator clips are attached properly.
• Steady red light – The clamps are properly place and power is being transferred to your battery. The light will remain red until the battery is fully charged.
• Flashing green light – A flashing green light is often paired with a red light. This means the battery is about 80% charged and can be used.
• Steady green light – The charge is complete. You can keep the battery tender attached to the battery to help maintain the life of the battery if it will be sitting for an extended period of time.Quick note: If your battery has less than 3 volts, the battery tender won’t start. The battery should produce at least 3 volts. On the same note, if you have a standard 12 volt battery that is defunct and is producing less than 9 volts, the battery tender won’t work properly.
Takeaway
Trickle chargers bring dead batteries back to life while battery tenders prevent batteries from losing power during periods of inactivity. Whether you use your bike every other day or less frequently, a battery tender will preserve the life of the battery to ensure your motorcycle is ready to ride whenever you need to hit the road. The straightforward usage makes it a wonderful investment for every motorcycle enthusiast.
Now that you’ve done you’re reading, it’s time to check out the motorcycle videos on my YouTube channel. Don’t forget to subscribe and receive notifications so you never miss an update!
