Bikers

[nouseforaname90]

I have been taking a pretty in depth look at the motorcycle market lately because I need something to get away from this ridiculous gas situation and I think a motorcycle would be very fun to drive.
Anyway.. I am looking at insurance and I want to know how you guys set up your insurance.
Do you pay year round on a bike that you can only drive half a year, or do you have it set up so you only pay April thru October or something?

Also.. my dad used to have a bike but for some reason my parents are dead set against me getting one even though I am 18. I have never wrecked any of my 3 wheelers or my car and I have proven that I am responsible. How would you guys suggest I talk them into it?

[hondahaulic]

My parents probably would have never been in favor of me getting one, but they themselves got into biking within the last few years. After having a couple temporary bikes, I ended up with my dads 05 honda vtx1300 when he decided he wanted a newer one, about a year ago when I was 16.

[Vealmonkey]

You basically need insurance year around if you have the bike registered year around. I don't know about other states, but in maryland, if you don't keep insurance on a bike and get caught riding it, you can get big fines and lose your license. If you make payments on a banknote for a bike, you will have to have full coverage. If you buy a bike outright and have no payments, you have the option of liability and full coverage. I paid my bike off within a year and still keep full coverage. I keep full coverage on every major riding bike I've had. I've had a toy or 2 that weren't rode very often, vintage bikes acutally, that I didn't have full coverage on. My bike insurance on an 03 Road King is only around $450 a year which I can't complain about and I live near a big city. I could maybe get a better rate or adjust my deductible but it's not that big of a deal. I keep full coverage on my main bike in case I get hurt. I've had to make a trip to shock trauma from someone hitting me before on my bike and it was no fun, but my insurance covered it. Bike size also helps determine insurance rates, and your age and experience. If your are young and getting a sport bike, expect your rates to be pretty high. Maryland has an "uninsured motorist" fund, and if you are hit by someone in this program, you are only covered by about $2000 worth of state funding. Seriously think about full coverage or at least hope if you ever get hit, god forbid, that it is by someone who has money. The guy that hit me, no license, no insurance, no registration and only had a work visa for being here in the US, not a citizen in other words and the whole ordeal besides being painful, was also a major pain in the butt. Don't skimp on insurance, make sure you are covered in case the other guy hasn't made sure you're covered. And if you get a street bike, have fun and ride safe. But some people pay month to month and some people pay every 6 months and some people pay only once a year. But here in Maryland, you have to have year around insurance to have year around registration, or else every time you renewed your insurance and registration, you would have to have your bike reinspected and pay taxes on.

[300rman]

just remember, people DONT watch out for bikers, so always be wary of people pulling out in front of you, switching lanes into you, and crap like that.

[x.system]

State farm is going to be your best bet for lowest rates on most bikes. I ran full coverage with 0 deductible and payed $39 a month for a litre bike. When I wasn't riding it was switched over to storage at $16 a month with a simple phone call.

[fla 2-stroke]

I am lucky,here in fla you do not need motercycle ins.I have 2 bikes on the road and pay just 30 each for registration.when i lived in new york my ins company had a thing called a layup policy.that meant it was insured for 9 months with 3 month limited use.that means if you get a nice day in jan or feb you are legal to ride,but the policy costs a little less.