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Your Questions About Motorcycle Insurance Quotes

June 13, 2013

Donna asks…

i have a full uk car licence what do i put on my moped insurance?

my licence is full uk car and i done my cbt but when i look online to do insurance quotes and select licence type it always colmes up full moped, provisional moped, full motorcycle, european moped etc and no full uk car what licence type shall i put because of this ?

Administrator answers:

That depends, do you have category P displayed on the back of your photocard? If not then you need to put provisional moped and apply L plates to your moped. If you have a Category P then you put full moped and do not need to apply L plates.

Sandy asks…

What do i need to look for when buying a used motorcycle.?

I am interested in buying a used motorcycle and i have been looking at cycle trader and craigs list and other various places.
Since these are bikes from private sellers i want to avoid getting ripped off or buying a broken motorcycle that would cost more to fix that its price. What kind things should i be especially inquisitive , about the condition of the bike?

Administrator answers:

If you are not sure what to look for when inspecting a used motorcycle, I suggest you locate an independent motorcycle mechanic near the sellers home and have a pre-purchase inspection/check done. Approximate cost $50-100, future headaches avoided with your new baby: priceless.

If you are set on inspecting the bike yourself, here are a few things I would do (I learned almost all this from countless hours browsing motorcycle forums when contemplating the purchase of my 2nd motorcycle from a private party).

1. Check the status of the title. Verify that the bike has a clean title, unless you don’t mind riding a salvaged title bike. This may be dangerous because salvage title usually means frame damage…..I’d be wary of riding a motorcycle with a damaged frame. I’m not sure if they have something like CarFax for bikes but if they do I would use that, if not try the DMV or perhaps an insurance company your shopping quotes with can verify.

2. The owner is just as important as the motorcycle itself. Is the owner helpful in answering all your questions? Does he/she know the history of the vehicle? Do they have maintenance records/logs? What is the overall impression you get about them selling their motorcycle? You want to buy from someone who makes you feel comfortable and will work with you, good signs that the bike has been taken care of.

3. Do an initial walk-around of the motorcycle. Any noticeable damage to the fairings, handlebar ends, levers, exhaust, pegs? Basically you are trying to see if the motorcycle has ever been laid down/crashed. Are the fairings/tank original or have they been replaced? If so, ask the seller why.

4. Is it modified? Heavy modification usually means the owner has ridden the vehicle hard, not necessarily a bad thing if it has been taken well care of, but it can be a sign that it has been abused. Does the owner have the original factory parts? Do the modifications look like they were installed properly, or just a hack job?

5. Forks/shocks. Inspect the front forks/shocks closely. Are they leaking at all? Do they look worn/extremely dirty? Do the same for the rear shock.

6. Have the owner start the bike for you, stationary. Look for any smoke coming from the exhaust. A little bit of visible white smoke is ok, dark/blue smoke or any other strange looking emissions coming from the tailpipe are a definite bad sign.

7. Listen to the bike at idle. Does the engine sound like its healthy or unhealthy? If you are looking at sport bikes, they tend to have a sort of a ‘lumpy’ idle, meaning it bounces around a little bit, but nothing too erratic. When the engine is warm, have the owner or yourself rev it a little bit, listen for any odd noises coming from the engine. If you hear something strange, don’t be afraid to ask the owner to explain what the noise maybe. He will either fess up if there is a problem he did not disclose or try to lie, which you should be able to detect fairly easily.

8. If the seller will let you and you are comfortable take it for a test drive. I would try to engage each gear at least 2-3 times during the ride to check for problems w/ the transmission. Vary the rpm range to check for hiccups in the engine. Is it difficult to shift? Is it harder than usual to find neutral? How does the steering feel? Do the brakes do an adequate job of slowing down the motorcycle or are they squishy and slow to grab? Does all the instrumentation work?

9. Does the seller have the original paperwork/manuals/spare keys?

10. Do not let the seller negotiate his/her used gear into the deal, unless it is something you want and it is the correct size for you. A quality helmet and gear should be the first thing on your list, BEFORE the motorcycle.

11. See if the registration is current and if any registration fees are due. You will also have to pay California sales tax to the DMV when you go to transfer the title to your name, based upon the selling price of the motorcycle.

Daniel asks…

How much is motorcycle insurance for a 16 year old?

If I’m a 16 year old male in Texas, what would be an average price for insurance on a newer model sports bike 750cc

Administrator answers:

The pricing your looking for depends on too many variables. In addition to age and vehicle the price depends on garaging location and coverage. Then there are subjective underwriting criteria such as credit score, licensing , MVR etc.You would be better off getting on line quotes or just drop in to an agent. You will probably get your best price from the same company that covers your parent(s) or guardian(s) vehicle.r

Robert asks…

What is insurance?What are the different types of insurance?Which of the insurance is mandatory?

How and where do u get insurance?What do u need to get an insurance?

Administrator answers:

Insurance, by definition, is a contract by which a company, in consideration of a sum of money or percentage, agrees to indemnify the insured against loss, injury death, etc. By certain risks. Different types of insurance include any type of motorized vehicle (auto, motorcycle, RV, boat, jet ski, etc). Property insurance includes (primary residence, rental dwellings, condos, apartments, commercial buildings, etc.). Other types of insurance is for people (i.e. Life, Health, Disability, Workers Compensation, etc) One kind that is mandatory is auto insurance; if you are financing your vehicle and the state you live in requires liability coverage, you’ll probably need “full-coverage”. Another kind that is mandatory is Homeowner insurance if you own and are financing your home. Your mortgage company requires that you maintain insurance until your loan is paid in full. You should contact a local independent insurance broker who can provide you with competitive quotes on the type/s of insurance to suit your needs. LOL

Donald asks…

How much do you think my motorcycle insurance will be?

I am getting the CBR125R 2009 HONDA!
It’s going to be black.
I’m a 16 year old girl, and the bike costs $3,599.00 .
How much do you think my insurance will be?
All together what will it possibly total up to?
Thank you!
I dont have a record :P

Administrator answers:

Dear Amy,
Since we are not insurance agents, we are unable to answer your question. There are hundreds of variables when it comes to an insurance company’s rates. This is one case where you have to contact insurance companies, answer all their questions, and receive a quote.
Your age will be against you (lack of experience) and you are buying a new motorcycle (more costly to repair when you lay the bike down).
Don’t be surprised if full coverage insurance will be $200 a month.
Good Luck

Mary asks…

How to haggle for a motorcycle price?

I am looking to buy a 2007 Suzuki SV650S. So far this decisions has been been placed on price, insurance cost, easability in riding (based on what I have reasearched), and overall looks. Once I get to the dealership it will get my final approval based on the feel when I actually get on it. But assuming that I still love the feel of the bike, how do I begin the haggling process. This is the first bike for me and I don’t want to be taken advantage of. Currently near where I live, Los Angeles area, one is being adverticed as a new 2007 for $6199 OTD. Could this really be an out the door price? Can I haggle on an OTD price? Am i only allowed to touch and sit on the bike at the dealership? Could I ask them to throw in gear in the deal such as a jacket or a helmet or something?

Administrator answers:

The only way to haggle is to get other quotes. If its advertised cheap, it may be a “switch and bait”. They’ll tell you there was only one, and its sold, and another costs much more. Of course you can always say “can you throw in a ???”, they buy that stuff at a discount anyway.

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