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Your Questions About Motorcycle Insurance Rates

July 8, 2013

Ken asks…

Why is the high school graduation rate for hispanics in America so low?

The national high school graduation rate for hispanics in the US is barely 50%. That’s quite terrible compared to the rate for whites (almost 75%).

What’s up with this?

Why don’t hispanics or hispanic families in America value education?

Administrator answers:

I don’t know, but the “they have to work to have food on the table.” BS.

I was on my own when I turned fifteen. I paid for an apartment, two cars, a motorcycle, insurance, utilities, pg&e, and all of my other bills while I went to school and worked full time. I’m not saying it was easy, BUT, I’m saying it can be done.

I’m 24 now if that makes a difference.

Charles asks…

How much is the motorcycle tax rate in Big Spring, Texas?

Thinking about buying this motorcycle.
I am curious to know what tax rate I would pay on top of what I pay for the bike itself.

Anyone know the rate?


Administrator answers:

The Texas sales tax rate is 6.25%, and the maximum TX sales tax after local surtaxes is 8.25%.


To register a motorcycle in the State of Texas, you simply follow the same procedures as you do when registering a car. There is no additional paperwork for registering a motorcycle, though of course on the application you must properly describe the bike’s type, model, vehicle identification number (VIN), and engine capacity.

To register your motorcycle, you will need the following:

Proof of ownership

A safety inspection certificate obtained at an official inspection station

Proof of your identity

Proof of insurance
The registration fee for motorcycles is $30 per year plus local fees determined by the county you live in ($5 to $11.50).

For more information, consult the Texas Department of Transportation’s Motor Vehicle Registering and Titling page, and in particular the frequently asked questions.


Hope that you find the above enclosed information useful. 06/18/2012

Chris asks…

Do you have to have insurance on a motorcycle in the state of Georgia?

My husband is looking into buying a motorcycle in the state of Georgia. He is wanting a crotch rocket. Any suggestions on a kind of one?

Administrator answers:

Yes, he needs insurance. Rates vary greatly, so it’s advisable to check with at least 5 different insurance companies before committing to a policy. Some insurance companies offer a discount for individuals who take a MSF safety course. I strongly recommend it.

After he takes the course, he should stay within the 600cc range. And he should love you and himself enough to ride within his limits and take it easy until he really improves his skill level.

Nancy asks…

What would be a good motorcycle for a 135 pound female beginner?

My parents have agreed to get me a motorcycle!!!!! The thing is , is that I have no clue what a good motorcycle would be for me…. so please help ;)

Administrator answers:

I’m a 5′ 3″ petite female who loves to ride a Honda 250 Nighthawk. While it is a standard style, not a cruiser, my feet can touch the ground, not just on “tippy toes” either, but flat on the ground! I like the more upright rider position for comfort and control. This little bike will easily travel at highway speeds of 65 mph or less. (It is capable of somewhat higher speeds, but the speed limit is only 55 – 60 mph!) I commute 35 miles per day to and from work, and have no trouble keeping up with traffic. Another small bike that is very popular with beginners is the Kawasaki Ninja 250 cc. It’s a great choice for the sportier type of rider. Lots of women ride them too.

My advice to you is to purchase a good helmet and leathers and enroll in a MSF beginner’s course. The MSF Star course provided 250 cc bikes for all class participants. The classroom time and course time were extremely valuable, and the course completion certificate got me a reduced rate on my motorcycle insurance.

Unless an extremely good deal on a new bike comes your way, invest in a used bike that is in good condition. Many such bikes go up for sale because riders tend to trade up to a larger bike after they gain some experience, or they decide that motorcycling just isn’t their thing.

I intend to keep riding my little Honda for quite a while. If I ever do trade up to a bigger bike, it won’t be a whole lot larger or more powerful than the one I have now because of my small size.

Carol asks…

how do you get your motorcycle license in California?

I’m 19 and I have had my class C drivers license since August of 2008. I am trying to get my Class M1 motorcycle license. I have been a California resident my whole life. I understand the law changed in 2011 and I am unsure how I can obtain my motorcycle license. Please help.

Administrator answers:

Steps you have to take if your under 21 in california:
Since you already have a drivers license you can sign up for MSF Basic Rider Course and take that course (you’re required to take this course if you’re under 21), you either need a motorcycle permit or a class c drivers license to take this course. (its easy 1 day of class room, and 2 days are riding days) its very new rider friendly, and taking this course will decrease you’re motorcycle insurance rate.
Now once you complete MSF basic rider course, a certificate will come in the mail, once that comes go to the DMV take a test for your motorcycle permit (it is easy in fact take the permit test while you’re waiting for the certificate to come in the mail), the classroom day you had at MSF will help you alot with passing the permit test.
Once you have your permit and your MSF certificate go to the DMV show them both and voila they will give you you’re class m1 license.

Lisa asks…

How can I convince my parents that riding a motorcycle isn’t bad?

I got my license in December and because I live in the state of florida and my parents have 2 cars insured with 21st Century I had to be insured. When I became insured they hit us with a bill that doubles the normal insurance rate my parents were paying so they forced me to turn-over my license to the DMV until we can figure out how to pay double what we are paying now. I have a friend who rides a motorcycle and told me that he doesn’t pay more than $75 a month (he rides a Harley Cruiser, 17). Now I am interested and want to get a 2003 Buell XB9 (good start bike from what I hear) but I don’t know how to convince my parents that it will be a good idea. Can you give me some ideas/points on things that I can tell them to make them feel more comfortable with the idea? Thanks Guys!

Administrator answers:

Tell them you will sign up for a motorcycle safety course, and see if insurance will give a discount if you complete the course, many companies do, This will also help with your parents, because it shows motivation towards being responsible & safe, and you will be a better & safer rider because of it.

David asks…

Is the new 2013 Kawasaki Ninja 300 a good vehicle for a new rider?

I am going on 16 years old now, and I am looking around for what I may want as my first vehicle. I have had my permit for nearly a year now, and I have drove around on my parents car quite a bit on every kind of road. So far no tickets, warnings or violations of any sort. Here is my opinion on this topic so far:

* More nimble and easier to avoid dangerous situations.
* The number 1 cause of teen accidents is distracted driving, thus; riding a motorcycle would be safer in this category because there are less distractions (phones, passengers, anything inside of the car, etc.)
* Much better gas mileage, lower service fees, lower service frequency and lower insurance rates (I did check this at
* They are much cheaper to buy in the first place.
* More protection in case of an accident and from weather.
* That,s about it for the car.

So what do you think that I should do? Go with the car or the motorcycle? Feel free to put as much added info as needed, I will read it all.

Administrator answers:

I would go for the Motorcycle. IF you do get in an accident, you need to realize that your chances of death or getting injured badly is nearly double. Is that a risk you are willing to take? Some riders wreck there bike within a week, some never wreck in their life. Motorcycles are a blast to ride. They can be very inconvenient in some situations, though (i.e. A trip to the grocery store, other passengers, etc.).

Bottom line, as long as you don’t try to show off or don’t do anything stupid, you should be fine. Just use your head. :)

George asks…

How to cancel motorcycle insurance policy without paying administration fee ?

Hi !

I have an insured motorcycle with Motorcycle Direct (MCD) for two months now. It is a 12 month direct debit payments of 38 pounds. My plan is to go abroad for 6 months, leave bike SORNED and save some money. In order to cancel my policy I have to pay admin fee of 60 pounds and feel robbed. My catch is:
~I have never returned signed copy of policy back to them (because never received it either), so it makes the whole policy invalid as well as administration fee.
~I would cancel my Direct Debit payments through bank before contacting insurer.

What would be the dangers of doing that ?
Does insurer have a legal right to seek for payments if a policy was done over a phone ?

Thank you !

Administrator answers:

In this technological age you don’t have to physically sign a document in order to form a contract. The moment that you gave bank details or made a payment, you have effectively agreed to their terms and conditions and formed a contract.
The fact that you haven’t received or returned paperwork does not make the contract invalid. If it did then you would be guilty of driving without insurance!
The insurer does have a legal right to pursue you for any payments outstanding.
If you simply allow the policy to cancel due to default then it can affect your credit rating and you may be required to notify future insurers.
You can’t have it both ways! If you think that the policy is void due to no contract in place, then why have you been driving round with no insurance? And if the policy was invalid then why have you continued to pay for it?

Betty asks…

If i get a speeding ticket on my motorcycle without insurance?

If i get a speeding ticket on my motorcycle which doesnt have insurance, does the insurance for my car go up?

Administrator answers:

Yes, The ticket is on your driving record. It does not matter what you are driving. Your insurance rates are based on your driving record. You would also probably get a ticket for not having insurance on the motorcycle.

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