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Old 03-28-2010, 08:58 PM   #1
MopedMarauder
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Default Insurance Comparisons

I'm currently not riding a motorcycle, like my username suggests. But, I plan on getting a motorcycle when I turn 16. I'm leaning towards a dual sport. But, I can worry about bike specifics later.

My question, will there be much of a difference for insurance on a new bike vs a used bike?
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Old 03-29-2010, 06:42 AM   #2
trenttheuncatchable
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Yes. And some companies will limit the type of motorcycle they'll insure as well as the number of cc's, especially for a rider who just got their M-class license. So get an insurance quote before you buy a bike.
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Old 03-29-2010, 06:46 AM   #3
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Good choice at your age. Stick to a little DRZ400 for your first ride and buy used. You're insurance cost will be affordable. If you need assistance let me know. I may not be able to directly help, but I will guide your search if you'd like.
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Old 03-29-2010, 07:05 AM   #4
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An older smaller bike of lower value will typically be cheaper to insure, but the style & history of the model you chose will impact also. Definately get a quote before you get emotionally attached to a bike. And keeping your record clean will keep the rates low. You may have to pay more for a bike up front but save on insurance moving forward. Good luck.
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Old 03-29-2010, 01:46 PM   #5
MopedMarauder
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I do plan on getting quotes on a few different bikes, depending on what is available at the time. I'm going to be looking in to quotes for my moped, even though I do not need insurance for it to be legal in Ohio. My parents want me to have it, I told them they're paying for it, if I'm getting it for my moped.

Right now, if I was shopping for a bike, I'd be seriously considering a new 2009 klx250sf. I can get one for $3800 plus tax. But, alas, I'm still a youngin'.
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Old 03-29-2010, 04:31 PM   #6
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Quote:
Originally Posted by MopedMarauder View Post
I do plan on getting quotes on a few different bikes, depending on what is available at the time. I'm going to be looking in to quotes for my moped, even though I do not need insurance for it to be legal in Ohio. My parents want me to have it, I told them they're paying for it, if I'm getting it for my moped.

Right now, if I was shopping for a bike, I'd be seriously considering a new 2009 klx250sf. I can get one for $3800 plus tax. But, alas, I'm still a youngin'.
I wouldn't buy new. Not at your age. You will drop that bike! Every newbie drops a bike. Question is: Would you rather drop a $4k bike or a $2k bike? Personally, I'd cry less dropping my $2300 KLX than my $4000 klx.
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Old 03-29-2010, 08:37 PM   #7
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It would depend on the bike. I'd rather drop a $4k DS over $2k sportbike. Plastics would be screwed up on the sportsbike. But, I don't see myself dropping it as long as I'm riding legally.
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Old 03-29-2010, 09:00 PM   #8
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Most "drops" are at low speed maneuvering parking, backing, etc. It's one of those things we all know is gonna happen sooner or later.
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Old 03-30-2010, 05:56 AM   #9
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Don't spend $4k oin a dual sport. Find a used one for $2k or less. You are just going to get it dirty, anyway.
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Old 03-30-2010, 07:52 AM   #10
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I can't find one that isn't beat to nothing for less than $3.5 around here. Everyone is an idiot who thinks their 5 year old bike they've beaten up is still worth what they payed for it. Almost every bike around here is being sold for only a couple hundred less than retail for a brand new one. People think they can get their money back.
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