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Your Questions About Cheap Motorcycle Insurance

May 15, 2013

Daniel asks…

What type of motorcycle should I start out with?

I am wanting to get a motorcycle this summer and I don’t know what would be best for me. I haven’t ridden an actual motorcycle before (but have with my dad on his with him controlling it). I can see myself on various kinds of motorcycles and enjoying them. I can see myself on cafe racers, sporty motorcycles, enduros, rat bikes, and also standard motorcycles. The reason i think I would like a cafe racer is because they have that history with them that I find amazing and I like the look of them too, I can see myself on a sport motorcycle like a cbr 250 or a ninja 250 because I have heard that they are really fun to ride. I like how enduros can go off road but they tend to be expensive (or at least that I don’t find any decent priced ones). Rat bikes(: I love how they have personality but they tend to be hard to come by that I actually like. I’m only 17 and I would like to point out that I do not like the idea of american chopper looking motorcycles or touring motorcycles. I want a motorcycle that won’t make me look like another kid on a motorcycle. I’m thinking about racing some friends on it and I would like to add in a possibility of doing it off road too. I think I would be using it for some fun in lively towns most but not stunts. I wish to learn how to drift on a motorcycle too like in supermoto or moto rally kinds of ways but I want to avoid enduros as much as possible. I will also be using this for my primary commuting vehicle too. If you have any suggestions please help me out on this because I need an expert of some level of help deciding.

Administrator answers:

The first thing you have to do is make up your mind. Do you want to drag race? Track race? Go off road? Race off road? Commute? Each of these forms of riding require a different style of motorcycle. No one bike will do them all.

If you are thinking of “racing your friends” on public roads, just stop now and never get on a bike. Not only is street racing quite illegal (you tend to lose your license when the police catch you), but you give respectful riders a bad name, and your crashes cause OUR insurance rates to increase. Buying a race class bike, Like a CBR600, r6, etc makes you what we in the motorcycle community call a squid, which is not a compliment. It means you are just a child on a motorcycle, who is on WAY more bike than they can safely handle, and who also tends to ride like a jackass and get hurt or killed.

That being said…

The best bikes for beginners, and especially younger riders, are sub 600cc single or twin engine motorcycles.
Sport / standards include the ninja 250 ,cbr250, ninja 500, gs500.
Cruisers include the Shadow 600, shadow 750, vulcan 900
Dual sports / enduros are not as popular these days, but a street legal honda xr250, klr250, or classic enduros make great learning tools. Their insurance is the cheapest of the bunch too, which is something you should check before buying any bike.

About your age, keep in mind that until you are 18, you cannot legally own or insure a motorcycle, or any vehicle for that matter, it will have to be your parents bike with you being insured on their policy until you are 18. Just food for thought.

If you are serious about a motorcycle being your primary means of transportation, you should consider what kind of storage comes on the motorcycle you choose. You will need a place to store your helmet, armor jacket, cloves, some basic tools, and any odds and ends you pick up while running errands and such. This is where bikes like the klr250, or klr650 shine. Many second hand ones can be found with weatherproof storage in the form of saddlebags and top cases. I recommend locking luggage, so that your things can be secure when you are away from your bike. Keep in mind you will need a full set of quality rain gear for inclement weather, and you will be caught in inclement weather. Rain hurts above 40mph and I will leave it at that.

Based on what you mentioned, I would recommend a dual sport for your first bike. They are relatively cheap to buy, maintain, insure, and are quite durable. The capability to go on and off road keeps you from getting bored too.

If that isnt your style, a ninja 250 is the most proven starter bike in the united states. Tens of thousands of riders have learned to ride on them and the are one of the most economical bikes on the road.

For your commuting purpose, a cruiser is hard to beat. I used my cruiser with a windshield and saddlebags for 1 year in college and can attest to the practicality of them as your main method of transportation.

Ken asks…

What should I invest in? Motorcycle or a car?

I don’t have transportation. And I want to buy something that can help me get to places (more than 10 miles, and pass thu more than 1 state). So, I’m thinking of Motorcycle versus Car. Which is better? So I’m not sure what I want. But I need transportation, besides having to take the bus or asking my sister.

General Questions:
1) What has more mileage? (Plus, what is mileage? I keep getting mixed answers)
2) Which would be more cheaper?

Motorcycle Question:
1) Do I have to mechanically maintain it a lot, or not often?
2) Can it go far like out of state?
3) What brand would be good to buy?
4) Do I have to pay insurance?
5) On average, how many times do I have to put in gas?
6) What is a better brand? (Cheap, Durable, Fast, Stylish no moped!!!!!)

Car Question:
1) Do I have to mechanically maintain it a lot, or not often?
2) Which can go far, like out of state?
3) What brand would be good to buy?
4) Do I HAVE to pay insurance?
5) On average, how many times do I have to pay in gas?
6) What is a better brand? (Cheap, Durable, Fast, Stylish, and not a truck or SUV type)

And by your opinion, what would be a good investment?

Administrator answers:

Car are more safer than motorbike.

Linda asks…

What’s the best insurance for a first-time motorcycle owner?

I’m 18 and just bought a ninja 250r for my first motorcycle. I’m look for the best “combo” coverage if you will, something with a decent price and all necessary coverages.

Administrator answers:

Generally, since Progressive is the largest insurer of motorcycles, you will get the cheapest rates. I have them..only pay $250ish a year with low deductibles and high coverage, but I’m a tad bit older. Statefarm may (it depends on your record and statistics obviously) be your next cheapest option. Everyone else seems to charge an arm and a leg!

Sandra asks…

Can I take out a student loan to buy a motorcycle?

I have no car to get to school and it’s becoming increasingly difficult to get there. Bikes are cheaper on gas, insurance, price so it’s the best match for me.

Administrator answers:


No. At least not directly.

When a student applies for an educational loan, the lender is required to ask the school for “certification” of your financial aid need.

Your financial aid need is based on the Cost of Attendance at your school – your school’s estimate of what it would cost an average student “like you” to pay your educational expenses at that school.

The expenses that contribute to that Cost of Attendance estimate are tuition, school fees, books, room and board, and miscellaneous education-related costs, which DO include a transportation allowance. However, that transportation allowance is the cost of gas or bus fare, not the cost of an actual vehicle.

If your school bills are paid right now, you don’t have any remaining financial aid “need”, and your school won’t be able to certify “need” to a lender.

The only way you could possibly use a school loan to pay for a motorcycle would be if you actually did need to borrow more money to afford expenses that were directly related to the cost of going to school – and you took the money that you really needed for school, and spent it on a motorcycle, instead. Of course, that would lead to the even more complicated question of where you would get the money to pay the school bills, once you used school money for a motorcycle.

None of this discussion gets into the real problem with using a student loan to pay for a motorcycle – and that’s the real “cost” of using student loan money.

By the time you’ve paid back a school loan, over 10 or more years, you will have paid a significant amount of interest. That makes anything you buy with that school loan a lot more expensive. Unless you’re certain that you’ll be riding that same motorcycle in 10 years, you’ll still be making payments on that bike years after it’s either parked in some one else’s driveway, or rusting in a junkyard. Worst case scenario – you’ll be paying off that bike AND another vehicle at the same time.

Educational loans are not intended to be used to purchase any kind of vehicle – there are mechanisms in place to discourage it – and it’s not a good use of money.

I hope that helped. Good luck.

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