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Willard Said:

Question about insurance differences for regular vehicles and motorcycles?

We Answered:

You won't see that great of a savings by buying and insuring a motorcycle. They are considered a risk and the rates will reflect that risk.

Troy Said:

Motorcycles license?

We Answered:

Your age will be a major factor in how much your insurance is, and you need to have a couple years of good driving under your belt before taking on a motorcycle. There are simply things you need to understand about how traffic moves and what to look out for, because what may only be a simple "fender bender" in a car could KILL you on a motorcycle. An important think to remember is that it doesn't matter whose fault it is, the motorcyclist loses EVERY TIME.

As for the license, take an MSF course. It'll run you around $250, but any dealer will give you a discount on gear for taking the course. You WILL wear full gear, right? The MSF certificate in most states is the equivalent of your license exam anyway.

Compared to a car, a motorcycle usually goes the same direction as the traffic it's in and has to follow the same rules. But that's it. Shifting, steering, throttle, braking, clutch, tires, balance, body position, visibility and weather are all different on a motorcycle, and you need to be able to deal with them ALL AT ONCE every time you twist the throttle. There is no talking on the phone, messing with kids, shaving, eating, drinking, smoking, reading or watching a DVD on a motorcycle.

Risk? Of course there's risk, but motorcycles are NOT inherently dangerous. They do what you tell them to do, so if you crash then YOU made it happen. Remember the gear? Helmet, jacket, gloves, boots & pants? You'll appreciate them if the weather turns bad, but you'll REALLY appreciate them when you go down (and you WILL go down).

It's called a calculated risk, and it's up to you how much risk you're willing to take. Keep in mind that a mistake on a motorcycle has worse consequences than a mistake in a car, and that a bike can take you beyond your comfort zone faster than you think.

Do your homework, take it seriously, and don't be a Squid.

Sandra Said:

Motorcycle vs Car costs?

We Answered:

Hi,

Good post. I had some problems with my car after I had an accident. My Insurer wanted to raise my rates $525 a year! I've never even gotten a speeding ticket!

I looked for a new provider and found this website:

http://www.jppst.com

They compare all of the major insurance providers and give you the best deal. I ended up saving over $300 from what I was previously paying (that's $825 a year!).

Good Luck