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Your Questions About Cheap Motorcycle Insurance

August 18, 2013

Chris asks…

Why do you ride a motorcycle?

Most people pick motorcycles over cars because they want to feel more into it. They want to feel the place, smell the place, and everything. Why do you ride?

Administrator answers:

I had never ridden a motorcycle for the first 30 years of my life, and doing so had simply not crossed my mind. Then some co-workers started talking about bikes, and it dawned on me that I didn’t know anything about them. I started reading everything I could get my hands on to learn all I could, mostly because I’m a curious person.

One thing led to another, and I actually started considering getting a motorcycle. I told my wife I was thinking about it, and she said, “OK, just be careful.” So after months of reviews, opinions, dealer visits, and an MSF course, I bought my first bike: a 2003 Suzuki SV650S.

I know I should have bought a used bike, because I dropped it a few times just like everyone said. I was very careful at first, taking my Jeep to work and then riding my SV when I got home around the neighborhoods to familiarize myself with operation and handling.

A couple months later, I was riding to work and back. I learned to deal with traffic, wind, rain, and hail. I got better gear. I learned that a small fuel injected bike gets about 50 MPG, as opposed to my 13 MPG Jeep. I saved enough money in gas alone to make the bike payments, and insurance was very cheap.

But I’m a mechanical guy, and I’ve been bicycling for over 15 years. I love the feeling of becoming one with the bike, where every move you do together happens as you think it, without any conscious effort.

Guess what? I ended up enjoying motorcycling for the same reason. I’m addicted now, and probably ride almost 300 days of the year. It’s not the feeling of freedom, wind in the hair, bugs in your teeth, part of a bike family thing. I simply LOVE being connected with my machine. When all thought is replaced by body memory and instinct, it’s as if YOU are flying down the street, just as easy as if you were walking.

Sadly, my little SV was totaled last January when a woman in front of me rear-ended a large SUV. I almost missed her, but caught the corner of her bumper and went over onto the pavement. Full gear saved my hide just like it was designed to, and I had no serious injuries; I went in to work the next day. Within 6 weeks I was back on another motorcycle, a little wiser and a lot happier.

Motorcycling has just become a part of who I am; how I identify myself. My wife enjoys riding on the back, and she’s still fine with me having one. They are not toys, and will bite you in the @ss if you don’t know what you’re doing, but they are one of the best things to do with your time.

Sandra asks…

What do I need to drive a 50cc or 125cc scooter in Hawaii?

Motorcycle endorsement? Insurance? If so how do you go about getting an endorsement and how much would the average insurance cost be? Thanks.
Actually I’m not a Obama voter…. whatever that has to do with scooters….

Administrator answers:

Everything you mention you need and insurance is cheap but itdepnds on your record,age and what island your on, and I don’t care who you vote for

Donna asks…

What motorcycle insurance companies would you recommend to any young rider aged 16-18?

I would like to know which is the best company to go for as I plan on getting a 125cc motorcycle as a means of social and domestic transport, I’ve seen mce and that’s the cheapest comapny I can find at £990 are there any other cheaper companies with good benefits ??


Administrator answers:

As you mention 16-18, 16 year olds are not aloud to ride a 125cc and you have to take a CBT from 17 years of age.

You have to do the search yourself as insurance companies all quote on personal information, while some may find certain companies cheap others won’t.

Linda asks…

How much would it cost to import a motorcycle from Pakistan to Canada?

I left my old motorcycle there when i left and i would like to import it

Administrator answers:

Sealift would be the cheapest way to go BUT you would have to wait months for it and it would need to be prepared for riding in Canada. The couple of things that I know off the top of my head is that it will need to be thoroughly CLEANED to make sure no dirt is on/in the bike. (NORMAL PROCEDURE not just picking on Pakistan) it will also have to conform to Transport Canada rules to be on the streets (headlight on all the time, emissions), and then you would have to check with the province that you live in to see if they will permit it on the roads and lastly can you get insurance for the thing.
Unless it is a collector’s bike, I’d just cut my losses and say sell the beastie to whomever you have looking after it back there.

A buddy of mine went through all that with his car a few years ago and he was on a government transfer.

Helen asks…

Should I save money for a Jeep Wrangler or buy a motorcycle now?

Here’s my situation. I am a 21-year-old college student and, therefore, I don’t have much money. I recently sold my cruiser motorcycle (Shadow 600) and saving up for a sport bike (Ninja 500r). I will enough money to buy the motorcycle in 30 days before school starts.

I always wanted an older Jeep Wrangler (80’s – 90’s), preferable without doors, roof, AC and radio. Pretty much I want a car that is a car and not a rolling couch.

My biggest foe is money. I could probably come up with a Jeep by the end of the year. Also the Jeep will require more expensive insurance, gas and maintenance. Whereas, I can do all maintenance on the motorcycle, which requires cheap insurance and little gas.

I live in Las Vegas, NV. and it rains about every three months and snows every 5 years. So weather is no big deal.

So far the motorcycle is better for me. However, I also like to take the ladies out for entertainments and cuisines back when I had a car. Most of the girls tend to be not interested in doubling up on the motorcycle and I had to borrow my mom’s car.

Based on these facts, should I get a Jeep or motorcycle?

Administrator answers:

A car is more practical for passenger(s) and cargo but a bike is more fun, at least in my opinion.

Since weather is not a big factor in Las Vegas, I say go for a bike.

Donald asks…

What is the best first motorcycle to buy?

In a few months I’ll be relocating to the state of Oklahoma and will be seizing the opportunity to get a motorcycle I’ve always wanted.

Anyways, I’m 20 years old, 5’11 ft (180cm) tall, and weigh 163 lbs (73kg). I don’t have prior riding experience on motorcycles. The only things I can relate with is I’ve ridden bicycles literally my entire life, and I’ve ridden a dirt bike a couple times along with an ATV, so I really have no experience when it comes to a motorcycle. I also have a regular drivers license.

I do know the ideal bike to start off would likely be a used, Kawasaki Ninja 250. However I plan on putting some serious miles on this bike I’ll be buying soon, and as bad as this sounds, I simply don’t want to put in 3-4 months learning properly on a 250 commuting around town.

I’ll be located about 1 hour 26 minutes from Oklahoma City, and 3 hours 17 minutes from Dallas, and I plan on riding these distances nearly every weekend. I know I can’t jump on a bike and magically have the skill to ride on highways and such to Dallas, yet I want a bike I can learn on, and is already built to take me the distance.

So in all, I’m asking someone with knowledge about bikes, what is fit for me? From the little I know, I’m thinking a used 2007-09 Kawasaki Ninja 500r is the right bike for me because it should have the power behind it to easily ride a highway comfortably, yet it hopefully is forgiving enough to learn on. Also I’m a cheap person and I’ve heard 500r’s will be lighter on insurance.
Ryde.On, I have no plans whatsoever buying a brand new expensive bike. I’m already looking at cheaper used bikes, just something that can take me where I need to go as a 250 is not made for my needs. I do understand a 250 is excellent to learn on, however I figure there is a bike out there for my needs I can still learn on.
Bill R, I will be taking Motorcycle Safety courses

Administrator answers:

Get something cheap and used you won’t feel bad about dropping .

You will drop it , several times .

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