Riding a Motorcycle That Does Not Have Motorcycle Insurance is Stupid
There is no other way to put it, if you are riding without good motorcycle insurance you are just plain stupid. Most motorcycle owners have insurance but there will always be some that think it is not necessary, it is to expensive, they don’t need it because they drive safe and many more excuses. When you are the one making these excuses, please read this article and make sure you are smart not stupid.
Why is good motorcycle insurance so important?
There is a big difference between car and motorcycle insurance for example it is possible to just insure your motorcycle and not yourself not that this is smart thing to do but it is a possibility. You can also cover bike, rider and people that will be riding pillion on your bike. Something not all motorcycle owners do but should be is cover bodily injury and damage to property. When you are in a accident and cause damage or even injury the cost can be extremely high, motorcycle insurance will be necessary to pay for those costs.dent that causes harm to other people.
If you already own a motorcycle or if you are planning to buy one you really need to get motorcycle insurance and we know it is something some of you bike owners do not give much adequate attention to, there really is no doubt about how useful this can be. It is very simple to find a good insurance company that insures motorcycles and when you already have a insurance for your car you can check out the same insurance company because most will give you discount if you take a motorcycle insurance with their company as well.
What type of motorcycle insurance?
The type of motorcycle insurance policy will depend on:
- coverage
- price
- type of motorcycle
- neighborhood
- driving record
- age
Take as much coverage as you can afford but at least the legal minimum requirements
There is of course no limit in the amount of coverage you can take but you should at least have the legal minimum requirements, and you need to be sure that you know what they are. There are a lot of options you can choose from in the amount and the type of the coverage but it is still up to you what you decide to take for your own protection. You can also ask for additional services like roadside assistance, glass insurance, towing costs. This last service can be extremely convenient when you take long distance trips and are not so good in repairing your motorcycle.
Discount if you take a course.
You can take a riding course with the Motorcycle Safety Foundation and some motorcycle insurance companies will give you ten percent discount on the insurance premium. The key messages of the Motorcycle Safety Foundation for bike owners are:
1. Get trained and licensed
2. Wear protective gear — all the gear, all the time — including a helmet manufactured to the standards set by the DOT
3. Ride unimpaired by alcohol or other drugs
4. Ride within your own skill limits
5. Be a lifelong learner by taking refresher rider courses
And last but not least the final tip to pay less premium if you really want to minimize the amount of premium a cruiser is cheaper to insure than a sports bike.
Watch the video related to motorcycle insurance
www. KuhnBelz.com Personal injury attorneys from Orange County in Southern California, specialize in personal injury case like auto, motorcycle and bike accidents, wrongful death,and workplace accidents. Get the settlement you deserve. 877-238-3086
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Frank Strider loves to talk about motorcycles and all the things related to it. Visit his website if you want to find out more about a razor scooter or maybe motorcycle tires.
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Posted by American Car Insurance on July 13th, 2009 filed in motorcycle insurance | 9 Comments »
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snow_fires ninja -9 Responses to “Riding a Motorcycle That Does Not Have Motorcycle Insurance is Stupid”
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July 13th, 2009 at 10:24 am
File a police report, child endangerment
July 13th, 2009 at 11:22 am
Call Progressive. Although you'll STILL have to pay for a full year of motorcycle insurance, or close to it. And when you cancel the policy you won't get a refund.
They need to cover the cost of issuing the policy, which is why no one wants to give you a temporary policy.
July 14th, 2009 at 9:11 am
As long as the helmet fits your head comfortably and you like it, then get, they are designed very well.
Words of the wise, you're going to want a bigger bike in a month, I 100% guarantee it! You may want to think about that and go to the next size up. You'll thank me later
July 14th, 2009 at 7:38 pm
I have one and it is a little cramped for me. I'm 5' 10 twice your weight, 30 " inseam. I should probably get, and you will certainly need a forward control extension kit.
Other than that it's a pretty decent bike. Mine's a 2003 with 67,000 miles, not so pretty anymore, but runs like a champ.
July 15th, 2009 at 5:05 am
1. Not at all. Two bikes can have the same engine displacement (cc's, as its normally called) and yet have totally different gear ratios. A bike geared low is easier to accelerate and a bike geared high (tall) has smoother on-freeway cruising (in general). A bike geared "flat" is best for a beginner, in my opinion.
2. You're asking the wrong question.. For someone like you, a small, light woman (like me too, actually!), the weight of the bike and the seat height will matter a LOT more than the engine dispmacement. I have a 550cc bike, it was my first, and I had an easier time riding it than I did a friend's 250cc bike because mine weighed less and because when I sat on the bike, I could put both my feet flat on the ground. Wheras on his bike, I was on tip-toes, and had a harder time managing the bike because of that.
3. Probably, but instead of that, try finding a used bike. Dealers often have used bikes for sale, and they are a safe bet. Buying a used bike from another person can be done, but unless you yourself are, or you have a friend that is knowledgable about the mechanics, this is prtty risky.
4. It will depend a lot on your location. I have progressive ins. for my bikes, and farmers ins for my truck. A friend uses geico, but I've heard horror stories about them. State Farm is another good one. Though, because you are female, and have taken the MSF course, insurance should not cost much unless you buy a brand new bike, or even worse, a brand new sports bike.
5. Depends on what you want. I found my ideal in a kawakasi zephyr 550, but they are insanely rare and go for a lot of money when they are sold (cult classic, just about). If you like its feel, a honda rebel is a good start unless you mean to do a lot of freeway (it doesn't accelerate well enough for me to feel safe suggesting it for freeway use). Or, check out a maxi scooter like the suzuki burgeman or the honda reflex. A kawasaki gpz 550 might be a good bet. Or a suzuki gs500.
First, go to a local dealer and sit on all the smaller bikes, make a list of the ones you can sit comfortably on, with handlebars easily within reach, and with your feet on the ground. Also make note of how hard or easy it is to push the bike up off its side-stand. Make SURE you talk to a dealer sales person before sitting on any of the bikes, and let them know you are new! They'll show you how to do it safetly and without damaging any of the bikes.
Then, look up online the seat heights and weights of the bikes you felt comfortable on. Then, start looking up online what other bikes have that seat height and weight, and there you'll have your own custom list of bikes good for you
Might be a bit tedious and complicated, but its your life at stake here. And speaking of your life at stake, plan on spending as much, or more, on protective gear as on your motorcycle. At a minimum, armored pants, armored hacket, helmet, armored gloves, and sturdy full-leather boots that cover your entire ankle, or higher (work boots for construction people is what I started with, begore I got my daytonas)
If you need more help, or another little female biker to talk to, feel free to email me! I was once in your place, and I can't thank enough the person who helped me through the first year of learning to ride
(snow_fires(at)yahoo(dot)com)
Good luck!!
July 15th, 2009 at 3:23 pm
if you get caught without a licensed rider on the bike with you, they can tow and impound your bike, the inusrance will go sky high. dont risk it. just ride during daylight hours and be patient. good luck to you.
July 16th, 2009 at 2:17 pm
Just lock it to the bike. Don't listen to morons that tell you to "ride without a helmet and save yourself worrying about it. The choice is yours. Considering your age and lack of experience you might want to use a helmet for a while, at least, until you get comfortable riding, put some miles under your belt and turn 18." Always wear a helmet. It will most likely save your life, or save you from spending the rest of your life as a vegetable.
July 16th, 2009 at 4:07 pm
You have to live with your mom, so I wouldn't try tricking her. Be mature about it. Reacting childishly will not help your situation. Prepare your talking points, anticipate her objections and have counterpoints ready. A rational approach is the best approach. I'm not saying it will work, mind you, but she will be a bit more impressed with you.
Bottom line… Be patient. Even though you are paying with your own money, you are still underage and need an adult to sign as the owner.
Good luck.
July 16th, 2009 at 8:57 pm
Hi Chris -
Sounds like you are off to a good start.
Getting you license is pretty easy, and you already have the answer: take the MSF course. In most states, all you have to do after getting your certificate of completion is go to the DMV and have your picture taken and pay a fee. The course also can give you a break on insurance, depending on who you are insured with.
Making yourself more visible is a good goal. Check out headlight and taillight modulators below (this is one of several brands). Bright colored gear is a good idea too of course.
The most important safety tip though: never be satisfied with your skill level. Always demand more from yourself, be smoother, be more aware, be more precise. Every time you put the side stand up, try to make yourself a better rider. Practice your skills, and know there is always more to learn and areas to improve in. Be critical of your riding skills.
If you like to read, check out books like the "A Twist of the Wrist" series by Keith Code and the "Proficient Motorcycling" books by Hough. Code's books are aimed at racing, but the concepts of bike control and planning are the same. Hough learned through the school of hard knocks, and wants to make it easier for new riders.
As far as bikes go, it depends on what you want to do. You're not real tall, so something like a Honda Rebel would not be a horrible choice at all. Triumph has several machines that are bigger, very well made and just a giggling good time that would also fit you well (the Bonneville series of bikes). If you want more a sport bike style, think about the Ninja 250R; a very, very fun bike despite the small engine. The bike doesn't have gobs of power, so if you make a mistake in a turn and lose speed there is no twisting the power up on the exit and covering for yourself. you've raced, so you know exactly what I'm talking about. It is not much more complex than a rock, cheap to buy, maintain and insure, and it demands precision from the rider.
You're probably a little too short in the inseam for a dual sport bike, so I think I would avoid those.