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Your Questions About Cheap Motorcycle Insurance

March 25, 2013

Paul asks…

How much is insurance likely to be on a 49cc scooter?

I was wondering if anyone could give me an estimate fir the following.

A cheap scooter (only need it to get to work and back around 4 miles a day)
12 months insurance (21 years old, 3 points on driving licence for speeding)
Would i need any other type of licence or can i use my full uk driving licence for a 49cc?


Administrator answers:

You wouldn’t need a motorcycle license for this scooter, an in the states, it would cost about $150 a year, plus whatever they tack on for your points.

Charles asks…

Can I have my father register and insure a motorcycle as his and still drive it?

I want to buy a bike but insurance is a lot cheaper if my dad registers and insure the bike as his. I 18 and going to go through a saftey course for a license and im looking at a 97 gsxr 750. Im only going to have liability on in. Could he just say he gave me permission to drive it if anything happened? He has a motorcycle license and is almost 50 with many years experience.

Administrator answers:

What you are suggesting is called ‘fronting’ and is illegal.
Insurance companies aren’t nearly as dumb as kids seem to think, they’ll find out straight away and both of you will find getting insurance very difficult and expensive for a few years.

John asks…

Do all motorcycles have to have insurance? Can it have a legit title/registed but no insurance?

Also, How much do u think it would cost for a 18 year old, with Riders safer course certificate, 600cc sportsbike(kawasaki zzr600), in new york state? would it be cheaper to just get a car?

Administrator answers:


All vehicles registered for use on the public highway have to have insurance. Just because a motorcycle can do 70+ mph and does not have any doors does not mean it does not need to be insured.

The sport bikes tend to be more expensive to insure than the cruising bikes. And just because it has 2 wheels instead of 4 – does not mean it will be cheaper than a car to insure. The rate of injuries for motorcycle riders and passengers is very very high. (In folks in the medical profession call them “donor-cycles” for a reason)

Also – you want to put Under-Insured motorist coverage on the bike. I’ve handled a lot of motorcycle claims and most of the folks have not been killed- have been severely injured. The insurance limits of the car that hit them has never been enough to cover the medical bills. Therefore, in my personal opinion – under-insured motorist coverage is a must if you are going to have a motorcycle.

If you have a choice of one of the two as you main means of transportation – consider the car. You can drive it in the rain, it’s easier to bring groceries home from the store, your dates hair won’t get messed up and it’s harder to steal.

Chris asks…

Where can I bought a cheap motorcycle from Europe and from US / Canada?

If you can give me sites with guaranteed Delivery .

Administrator answers:

There are none.

Importing a bike from the U.S. Or Canada will hit you for import duty, V.A.T. And brokerage charges. Not to mention the cost of an M.S.V.A. Test, in order to get it road legal over here. And the higher insurance cost, due to it being an import.

With the current £ to € exchange rate, buying a bike in Europe will cost you more than buying one in the U.K.

If you want a cheap bike, buy one in Britain.

George asks…

When buying a used motorcycle, are there additional costs involved?

When buying a used motorcylce, I guess I have to go to DMV and to transfer title and stuff like that. How much do I have to spend to do this? And do I have to pay tax when the buying a used motorcycle from a private seller?
Are there any extra costs involved beyond the one the seller has listed on craigslist?

Administrator answers:

You will need to get a class M modification to your driver license. Past that, it is similar to that of a car. Tags, title, fuel, oil, etc. The upkeep on a bike is not that much different than a car. Some models differ such as older bikes, as well as Harleys (even the new ones) require a lot more upkeep though. This is the same with cars, as a Lamborghini Countach is recommended to have an engine overhaul every 25,000 miles, something that your mom’s Toyota would never have to do. You will also need to invest in a good DOT/SNELL helmet as well as some good leathers. Remember, only trust a $10 head with a $10 helmet! The cost of most insurance types is usually cheaper as is the cost of fuel typically. And if you are not very expierenced, take a rider safety course.

Lizzie asks…

What is the true cost of ownership for a 2007 Triumph Bonneville in the Bay Area?

This is not including insurance or storage, those are about 60 bucks a month for storage and 1510 insurance.

If possible I’d like an “out the door” price and then a total “true cost to own” price.

Administrator answers:

If you get the Bonneville T100, the MSRP is $8199. The straight Bonnie black (no chrome, no tach, no 2-tone paint) is $7499.

You should be able to negotiate at least 5% off those prices and tax and license will probably come to $670 on the T100 and $600 on the Bonnie black. Watch the dealer carefully that they don’t stick you with extra transportation and prep fees. Those things are “normal” but many dealers will rip you off. Try to talk to at least two different dealers to get the best price.

I’ve owned a Bonneville since 2001. Mine has about 75,000 miles on it and the bike is fantastic. It is easy to ride, handles reasonably well, very reliable, looks great, turns heads and doesn’t leak oil.

Because it is not considered a sport bike, the insurance is very cheap and it gets between 50-55 MPG on the highway. I’m a little surprised by your high insurance number. It should be below $500, unless you’re very young, haven’t taken the MSF course and have tickets. Definitely shop around for motorcycle insurance including Geico, Progressive and GMAC. Remind the phone tech that the Bonneville is not a sport bike.

For more information, you can chat with other owners from around the world at: .

The newest Bonnevilles have components which are made in Thailand, however the engineering and design is still British, along with major components like the engine. The Thailand built Bonnies can be identified by a “T” in the seventh position from the right in the serial number. The Hinckley-built Bonnies use a “J” there.

There are also low-mileage used ones which come up from time to time on eBay and in the newspapers. The only serious problems have been some broken spokes on some and on very early models (2001-2002) some breather problems which were fixed under warranty.

I’ve found that compared to the other bikes I’ve owned, the Bonnie has been both the cheapest to operate and the most reliable and I’ve owned several Yamahas and Hondas. It really is that good… If you’re mechanically inclined, you can easily do your own oil changes and air filter changes and save a lot more. Valve adjustments are done every 8000 miles. I typically go through tires every 9000 miles (typical for most motorcycles) and they run about $125 each. Brakes will last for about 10-20K between pad changes (the rears go first) and pads are made by EBC, available everywhere and cheap – about $30 a set.

Your factory warranty is 2-years with unlimited mileage.

You can find lots of accessories by going to .

Have fun and don’t get ripped off with your new ride… Be sure and ask if Triumph has any free gear deals going on with purchase. They come up from time to time.

Sandy asks…

Why is it that you could get a seat belt ticket in a car but not on a motorcycle?

I know that motorcycles don’t come with seat belts but come on don’t you think that a $126 seat belt ticket is a little outrages? I think the state is trying to make money back for lost unemployment compensation.

Administrator answers:

Helmets are the motorcyclists equivalent to the seat belt law. I don’t know that I agree with your assertion that it’s a funding source but I do agree that $126 is outrages. Their argument, which does have merit, is that injuries are more severe without their use and others have to pay for it either through taxes or increased insurance premiums. Police will also write up a seal belt violation instead of speeding or other moving violation because the seal belt ticket is cheaper. In essence, they are really giving the driver a break; it only seems like they are money grubbing.

Sharon asks…

Question about insurance differences for regular vehicles and motorcycles?

I currently have a car through my parents car insurance but I really want to branch out on my own and get my own insurance so I’ve been thinking about finally pursuing my dream of getting a motorcycle. They’re cheap, run well, and from what I gather insurance is very cheap. Could anyone tell me what kind of money I might save in Pennsylvania or New Jersey in comparison between a motorcycle and a regular car? Thanks.

Administrator answers:

You won’t see that great of a savings by buying and insuring a motorcycle. They are considered a risk and the rates will reflect that risk.

William asks…

how much is the insurance for having an average motorcycle?

I’m 19 years old and living in Santa Monica, CA. I have driver’s license and sometimes I drive my parents’ car but i don’t have an insurance and car yet. I just want to know how much it will be payed for a year for like Harley Davidson or something.

Administrator answers:

Well, first off, you need your motorcycle license first, which is not the same as a driver’s license- you probably know that already though. As motorcycles are a lot cheaper than cars, their engines are smaller, meaning if you use it as much as a regular car, you’ll be filling up more frequently at the pump. The insurance I would imagine to be no more than a grand a year. Good luck! I’d like a bike some day, too.


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