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 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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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.
