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| *Vultures Knob>>>Bike Insurance |
What would be the cheapest motorbike to insure for 18year old? |
I'm looking for a model or type of motorbike that is reasonable for insurance purposes for my 18yr old daughter who has just passed her bike test. She has a full car licence to and has had no claims but insurance seems VERY high for any motorbikes i've looked at. Any advise would be welcome. If she has taken the Motorcycle Safety course, be sure to mention that when pricing insurance. If she hasn't, she really should - taking the course can decrease her chance of an accident by 20% or more in the first year. You don't mention what country/state you are in, but insurance rates vary greatly depending on where you are - as much as what you ride. We moved 15 miles down the road, and had our insurance drop by $20 a month on one bike - strange. I currently have insurance for various machines through Geico, Progressive, Farmers, and a special one for our vintage bikes. The reason I'm dealing with so many companies is because one is cheap for certain models and expensive for others, etc. Unfortunately, none of the insurance companies will tell you which models are cheapest to insure - or what they use as determining factors. Although everyone feels that sportbikes are more expensive to insure than cruisers, a sportbike with a built-in alarm system can be cheaper than a cruiser without one. Also, a machine that breaks lots of parts when it tips over is usually more expensive to insure... all the weird little things you'd never think of! That said - it sounds like your daughter is mainly looking for basic transportation, something that will run at highway speeds, but not really for long distance travels? Here's a list of models that fit that situation: New 2006 small bikes: Honda Rebel 250 - twin cylinder - cruiser style Honda Nighthawk 250 - twin cylinder - standard style Kawasaki Eliminator 125 - cruiser style Kawasaki Ninja 250 - single cylinder - sportbike style Suzuki GZ250 - single cylinder - standard style Suzuki Boulevard S40 (650cc) - twin cylinder - cruiser style Yamaha Virago 250 - twin cylinder - cruiser style Yamaha XT225 - single cylinder - on-off road style BMW F650CS - single cylinder - on-off road style Used models that are great machines, easy to ride and usually relatively cheap on insurance: Honda Hawk 600 - sport style Suzuki SV650 - standard/sport style Yamaha SRX250 - sport style BMW F650CS - on-off road style I'm not mentioning scooters - yes there are many larger displacement scooters now available, but there are reasons why they just don't usually suit the American way of living as well as a full-size street bike. All of the models I've listed will be in the range of the least possible insurance costs. Some models are more expensive, but come with alarm systems and safety features which usually reduce insurance costs (like the BMW). What I'd recommend is to have your daughter go around to all your local bike dealers and sit on these models. Even if she's absolutely not going to buy a new one, just do it to get a good feel for what is comfortable. If possible, she really should take a few for a short test ride. This is hugely important if she is a smaller rider. Once you've narrowed it down to a few models, take the list into your insurance company and ask them for quotes. Sorry this was so long - hope it helps! Source(s): Years of dealing with the same problem! a 50 c.c A Vespa. A scooter type bike 50cc or so, or an obliging older driver could add her on to their policy as a named driver until she can build up a no claims of her own on a bike. that might work. Good Luck I have a ten speed with an electric motor on it,also have on that has like a chain saw engine on it.I don't have to pay insurance on either but,did you know that in most states you are suppose to ride the type of bike you are talking about in the bike lane and it is illegal to make left hand turns through intersections?Although most states don't enforce it,it is still a law and one day you may just get a ticket for it. 125 or 250 any larger will cost you an arm&leg due to there age |
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