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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How To Start A Yamaha R6
Starting a motorcycle is easier than it used to be, thanks to technology. While there are various kinds of bikes, starting a Yamaha R6 or other fuel-injected motorcycles is more or less then same across the board.
Here is how you start a fuel-injected motorcycle, like the Yamaha R6:
How To Start A Yamaha R6 Starting The Engine of a Yamaha R6
You can find this information in the owner’s manual of your bike, too. Before starting the bike, make sure you have done the following:
- The transmission is in neutral.
- The transmission is in gear, the clutch is pulled, and the kickstand/sidestand is stowed. Some modern models, Yamaha included, have a safety feature that will prevent the bike from starting if the sidestand hasn’t been raised.
Next, follow these steps precisely:
- Insert the key into the ignition.
- Turn the key to the ON position. Make sure the engine stop switch is set to the correct position.
- Warning lights and indicator lights should illuminate momentarily then disappear if conditions are satisfactory. These lights include:
- Oil level
- Coolant temperature
- Fuel level
- Shift timing
- Engine problems
- Immobilizer system
- Shift the transmission into neutral. The light should come on. If not, you might have an electrical circuit problem.
- Start the engine with the start switch.
- In the event of failure, wait a few seconds and try another start. Don’t draw out the time trying to start the engine to preserve battery power. Do not extend for more than 10 seconds.
General Instructions for a Fuel-Injected Motorcycle
Here’s some instructions to follow if you don’t have the make/model mentioned above:
How To Start A Motorcycle
- Put the motorcycle in neutral. Neutral is always located between 1st and 2nd gear.
- Put the key in the ignition if necessary.
* Note: Fuel-injected motorcycles have an engine management system. This means you don’t have to worry about using the choke lever. Only a small amount of throttle will be needed, regardless of engine temperature. - Start pulling the clutch near the left handlebar. Some riders choose to pull the clutch and front brake simultaneously, but the choice is yours.
- Press and hold the start button. You will find this on the right handlebar. Maintain your hold on the clutch.
- The motorcycle should automatically catch and start.
- If the engine doesn’t turn over and start immediately, you can try using the throttle while pressing the start button. Make sure you are holding the clutch.
- Remember to never crank the engine for more than 10 seconds clips at a time. Otherwise, you’re wasting battery power.
- You can slowly start to release the clutch.
Now, you’re ready to ride!
Final Thoughts
Unlike carburetor motors, fuel injection systems rarely fail. To prevent the pump from failing, do some routine maintenance. Get into the habit of listening to the bike and know what a healthy running engine sounds like. That way, if something unusual happens, you will be able to tell whether or not something is wrong with the pump fuse by sound alone.
Modern fuel-injected motorcycles are easy to start. Follow the instructions in this article, and you will have no problem.
For more information about how to start, ride, and care for your motorcycle, check out my YouTube channel. Hit the subscribe button for notifications whenever there’s an update. -
How to Choose the Right Motorcycle Jacket
The motorcycle jacket is one of the most iconic artifacts of biker culture, especially in public consciousness. When people picture a motorcyclist, they tend to envision someone clad in a well-made, well-fitted leather jacket.
With the continuous advancement of material sciences, the constant diversification of motorcycles themselves, and the rather varied climates of a global society, there are a plethora of jackets to choose from.
You’re bound to find the jacket that’s ideal for you, but there are a few variables to consider, such as what you find comfortable, the climates you’ll be riding in, and the type of motorcycle you’re going to use.
The Four Motorcycle Jacket Styles
There are basically for style groups, when it comes to these jackets – Cruiser, Racing, Sport/Street and Adventure Touring/Dual Sport. Each of these has its own strengths, making them ideal for a specific riding style. Surprisingly, no single type of material/textile is standard for any given style of jacket either.
- Cruiser – This is the classic motorcycle jacket that most picture – the icon, the stereotype. While most commonly seen in leather, they’re also available in many other styles, with a focus on comfort and aesthetic. These are ideal for casual riders and those that use their motorcycle as transportation going about their daily lives.
- Racing – Racing jackets are distinctive for their tight fit and somewhat “space age” appearance. The tight fit is to prevent wind resistance, and the distinct appearance is due to flex panels designed to allow mobility while providing padding against abrasions from dangerous high-speed offs. They tend to have a narrower collar, and a zipper to fasten to racing pants (preventing ride up).
- Sport/Street – These jackets are a casual modification of racing jackets, taking the slower speeds into account. They’re distinguished by the less prominent flex panels and the looser fit focusing on comfort. Seasonal jackets of this sort also include insulation and ventilation to help keep the rider cool or warm in harsh conditions.
- Adventure/Dual Sport – This is a less common style of jacket, used primarily by those whom go on long rides across varied, often rough climates and terrains. They look like nothing more than a survival jacket imitating a racing jacket, with pockets for gear, layers of insulation and impact padding, and a form-hugging design with an additional fastening around the neck. These are ideal for winter riding, or those long trans-continental adventures.
Important Motorcycle Jacket Factors To Consider
There are important factors to consider, which will determine the material you choose, and the style of jacket most suited to your needs.
- Leather or Textile – The first decision you’ll want to make is if you want leather or textile. Leather has a classic look, and many regard it as quite comfortable. However, its real strength is in its resistance to abrasion. However, for comfort and versatility in multiple climates and weather conditions, textiles tend to outperform it. This all comes down to whether you want comfort in various climates, or wish to focus on the durability of leather.
- Visibility/Reflectivity – While many would argue that subtlety is a sign of good everyday design, a jacket that catches the eye can actually be a major boon to safety. You want people to see you, and be aware of your presence and location on the road!
- Liners and Armor/Padding – If you ride in a temperate area with both hot and cold weather, you may want to look for a jacket with removable or all-weather lining that can help keep you warm in the winter, without the jacket cooking you in the summer. Similarly, even if you’re not a dare devil (and you shouldn’t be!), focusing on padding/armor around the chest, back and shoulders is also important, as these are areas where damage can be the worst if you have a nasty off.
- Fitment – Finally, you want a jacket that fits you well, and comfortably. It can be hard to find one that’s a perfect fit, but many styles of jacket have fitment adjustments on the waist and slides on the sleeves, which provide just the right amount of hug or slack for your personal comfort standards. You don’t want to wear a jacket that’s too tight or constrictive, cutting off circulation. The fatigue from this can lead to serious dangers.
To learn more about the different styles of jackets, which ones suit which styles of riding, and much more about the adventurous world of motorbiking, subscribe to my YouTube channel today!
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My First Motovlog
Hi Everyone! This is my first motovlog! I’m riding a 2004 Yamaha YZF-R6. Don’t forget to subscribe and comment!!
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