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Your Questions About Cheap Motorcycle Insurance

April 18, 2013

Sandra asks…

what is the cheapest way to get a motorcycles license?

and what class of license do you need to drive a gas scooter?

i’m trying to do it the cheapest way since i don’t have a lot of money to spend,
but i also want to be safe about it.
so i should probably take a class.
i’m from illinois.

i’ll be moving to oregon soon if that makes any difference?

Administrator answers:

I’m not going to look up the laws in Illinois, but here in Nevada you can take the motorcycle test at the DMV on a 150cc scooter and get a motorcycle license with a 150cc or less restriction on it.

So the absolute cheapest way to get your license would be to buy the scooter (and proper safety gear), drive it around a parking lot until you’re confident you can pass the DMV test, put liability insurance on your scooter (less than $200 a year), then go do the test. Skip the MSF course altogether.

I’m not recommending doing that, but in reality, driving a scooter is much easier than a ‘real’ motorcycle, so I don’t think it would be all that bad to skip the safety course. Although, one advantage of taking the MSF course is that you will not get a restricted license. That means if at any point in the future you decide to ditch the scooter for a real bike, you won’t have to go through the licensing process again.

Susan asks…

What kind of Motorcycle Should I get?

I’ve basically already decided to get a used Kawasaki Ninja 650r

This is my first motorcycle, anyone have other ideas? Not looking for sheer speed just a good beginners.

Administrator answers:

This is an answer I wrote to another question. I always recommend a ninja 250 for a first bike UNLESS you are over 200lbs and 6′ tall. The Ninja 650 is an ok first bike but not the best. It may have about half the total horsepower of a zx6r but its power range is lower so it hauls ass in the lower ranges. Don’t be mistakened, this 650 will keep up with a super sport until you hit triple digits. Yes the 650 will have more linear power than a supersport but its still a very fast bike and I wouldn’t recommened it to a complete beginnger. Heres my answer to a similar question someone else asked. If yoy want to learn how to ride properly get a small bike. You can upgrade easily, the 250 is in constant demand because its the perfect bike for beginngers.

Im riding an 08 ninja 250 right now, its my first bike and im 17. Its perfect for a beginner. Don’t be pressured by your friends or squids who tell you to go bigger. You’ll be on a big bike soon enough, Im upgrading to a cbr600rr soon and guess what I wont crash it the minute I get it because I learned properly. Traffic is the biggest thing to get over, even if you can ride the track like a pro you have to be able to deal with the variables that can affect you out on the streets. Trust me, crashing a 600 looks much worse than riding a 250.


Your best bet is to start off small with a 250 or 500. Ninja 250, Ninja 500, gs500 are good choices. A 250 is NOT too small and is perfectly fine for city riding and some highway riding. If commuting is your thing you may look at the 500 instead. I would put off getting a 600cc like the ninja 650 or sv650, and certainly would not recommend a supersport… Despite similar “cc” horsepower and power outage is completely different so supersports are much faster and much less forgiving to a new rider.

DO NOT get a 1000cc. You will kill youself. A 1000cc bike can do 100mph with a flinch of the wrist in 1st gear. Imagine running over a pothole and accidently pulling back and then suddenly being sped up to 100 mph in a few seconds…

A 250 is perfectly fine for a beginner. The main reason being that you can make mistakes on a 250 without being flung in the air or accidently popping a wheelie and crashing back. The ninja 250 looks great and is easy to learn on. It handles much better than bigger bikes and is fairly light. Its much easier to learn the fundamentals on a small bike and you will be a better rider, faster than if you get something bigger.

Insurance will rape you if you get anything above a 250, trust me on this. I think the average rider pays around 500 a year for insurance on a 250 (not liability, but not full coverage). There are many variables though such as tickets, age, gender, location and driving record. Insurance varies ALOT, some people pay $120, some people pay $1000. If you get a supersport, expect to pay closer to $1000… The statistics say that you are more likeley to crash, be injured and to have your bike stolen.

Ways to lower insurance – take the MSF course – pretty much the only active way to lower insurance. Other things will lower it with time such as age, driving expierence, etc.

Im not sure in GA, but in CA you need driverd ed and behind the wheel lessons, if you don’t have your drivers license (class c) you will pretty much have to do the same thing to get a class c so I advise you get the class c first.

Everyone is different, yes some people can and have learned on a super sport, or a hyper sport. Some people can handle a 600cc right from the beginning, but some can’t. There are plenty of stories where riders crash, become scared or downgrade because they got a big bike. There are also stories of success riding a 600cc. The choice is yours.

My personal suggestion ? Start small. You can ride a cheap 250 for a few months then upgrade and not lose a dollar reselling the bike. You will have learned the fundamentals and you will have a better handle, throttle control, clutch control, traffic management and you will know what to do and what to look out for. Your insurance will be cheaper by A LOT, and the 2008 ninja 250 looks damned good. Don’t let friends or others try to pressure you into buying a bigger bike because its “cool” or a 250 is a “girls bike”. Its your life, its your skin, its your choice. Your friends will not be the one’s in the hospital getting skin grafts or on the news. Im not trying to be preachy or morbid, just research your options and make sure you know what you’re getting. Good luck.

Mark asks…

What’s the difference between a moped and a vespa?

I am a recent high school graduate, and I don’t want a car, because of things like gas prices and insurance. But if necessary, I am considering a moped or vespa. And I’m wondering what the difference is. Is one better than the other? Which one can I get around faster on? What is the probability of getting into an accident on those things? Is insurance more expensive for such a vehicle?

Administrator answers:

A lot of people confuse these for some reason.

A moped is a motorized bicycle. MOtorized PEDal. A moped is not the same as a scooter.

The difference between a scooter and a motorcycle is that you sit IN a scooter and you sit ON a motorcycle.

Vespa is a brand of scooter, and one of the better known ones. Honda, Yamaha, Bajaj, Kymco, and a lot of other companies make scooters of their own.

Mopeds top out at maybe 20-25 MPH. I believe there is an actual speed limit on mopeds. Scooters can be much faster.

Depending on where you live, you might need a specific license to ride a moped. You definitely need a license for a scooter as, depending on the size of the engine, they’re classified as motorcycle.

The probability of getting into an accident depends on your riding skill and your ability to maintain situational awareness. Many people, especially those in large trucks and SUVs, don’t pay attention to you and may hit you. You just have to stay alert and learn how to read people.

Insurance for scooters/motorcycles really depends on where you live, whether or not you have a motorcycle license, how long you’ve had your license, etc. It’s definitely cheaper than car insurance.

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