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| *Vultures Knob>>>Bike Insurance |
First motorcycle...? |
Well, I want a motorcycle. If I get one, I'd get a used sport bike, something like a Ninja 500. But I dont really need help picking a bike (any recommendation would be great tho), I just want help on how exactly to get started. Like getting a motorcycle lisense, insurance, etc, and how much those would cost. As you can tell I'm very new to this, I'm only 16, and I've never ridden a (street) motorcycle. Wesley, Your first step would be to go to your state's MSF (or equiv)course. Not only will you learn a lifetimes worth of knowledge, most insurance carriers will give you a break on insurance. Most states will require this to obtain your license. At 16, a ninja 500 is a good fit, try to buy one used so you don't have to pay the showroom privelage. Try to avoid collision insurance on your motorcycle, it will cost too much at 16, you could buy a second bike for what you will pay for the first 2 years of coverage. You will want a few different quotes, and may wish to try an insurance broker that specializes in high risk coverage. Once you get your license and insurance squared away, practice riding at non peak times, concentrate on the basic mechanics of riding the motorcycle without playing bumper cars for a few months. Good luck and a happy lifetime of riding. OK, You're 16 years old. Good luck getting insurance! Well Wes, I think for most states you are plenty old enough to get a motorcycle licence. Here in Wyoming you can get a motorcycle permit at age 15. I am not sure how it works in other states, but here, if you already have a driving licence, then you go to the DMV and get a motorcycle permit which is good for 90 days or until you pass the written and riding tests (a note here on the riding test...If you take and complete the MSF riders' class, the riding test is waived). The MSF class (which is sponsored by the Wyoming Dept of Trans) only costs $15 and is the best investment you will make regarding riding. Insurance will be higher for a teen boy, but an older Ninja 500 will probably be within your means. Check with http://www.progressive.com and you can get a rate quote online. And you are wise to get a used bike as you will lay it down a couple of times while you are learning. As for learning to ride...Once you complete the MSF course (which is 2 to 3 days) you WILL be able to ride the bike. You're at least headed in the right direction, and the first thing you need to do is sign up for an MSF course. They run about $200 ballpark, and in most states the course counts towards your motorcycle endorsement with no further testing by the state. Look into online stores like Helmet Harbor, New Enough Leathers, iMotorcyclestore, and RideGear to get riding apparel, like an armored jacket, full fingered gloves, full face helmet, and boots & pants if you can afford it. Plan on spending at LEAST another $500 on gear. If popping over $700 on motorcycling before you even get the bike sounds like too much, let me clue you in on how much a 16-year-old will pay for insurance: more than the bike is worth every year. You don't have enough experience driving a car to know how to avoid road dangers yet, and the same little mishap in a car could kill you on a bike. It takes a big investment in both time and money to get into motorcycles, but if you're REALLY serious that won't be a problem. 1. Go to DMV or DMV website. Get drivers' handbook. Get motorcycle handbook. Read both cover to cover. Take the written test. Take the written test for the motorcycle. This gets you your learners' permit. 2. Go to the Motorcycle Safety Foundation website. Look for the Motorcycle Safety Foundation course in your area. 3. Buy a helmet, boots, and gloves. The helmet should be full face, have DOT sticker, a "snell rating," and it needs to fit snugly. 4. Take the Motorcycle Safety Foundation course (you needed your boots for that). You will get a certificate, that, depending on your state, will allow you to get your motorcycle license without further testing. 5. Depending on your state, go the DMV with the certificate from the MSF course and your learners' permit, and get your motorcycle license. If you already have your car drivers' license, you'll get an add-on to it for motorcycles. 6. YOU NEED A FRIEND WHO CAN RIDE A MOTORCYCLE AND HAS HIS OWN LICENSE AND INSURANCE. 7. Buy your motorcycle. Your friend will ride it home for you. He has "minimum legal" coverage for such things, from his own motorcycle insurance. 8. Register your motorcycle. Yup, yet another trip to the DMV. 9. Get insurance for you and your motorcycle. I got mine, placed through an agent, with Progressive. |
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