Motorcycles vs Scooters

Thinking of getting a cycle for getting around town? For most people, the first thought would be a motorcycle. It’s certainly the “in” thing to do these days.

There’s no doubt that riding a motorcycle is lots of fun.  Hitting the road on your motorcycle is almost like being on vacation.  The sun on your face and the wind at your back, your troubles seem to be a thing of the past. It’s about as close to heaven as you can get on this earth.  There’s just something about being in the open air.  When riding the motorcycle, you’re more in touch with everything and everyone.  You often take the back roads, explore new paths and enjoy the day to the fullest.

Riding a motorcycle is also much less expensive than driving a car.  No matter what kind of car you drive, with gas prices over $4 per gallon, the saving is significant. You can find cheap motorcycle insurance rates for them too.

But, motorcycles are pricey, with some costing as much as a luxury car.  Would you ever consider a scooter instead?  Scooters have a different design and a different wheel base, and are considered a subclass of the motorcycle.  They share many of the same benefits.  They’re not considered to be as “macho” and if you’re the Harley or Gold Wing type, you’re probably laughing by now.

Consider some of the benefits before you totally write off the idea of a scooter.  They’re different than a motorcycle, but they’re just as much fun.  They are affordable, costing much less than most motorcycles.   You’ll be able to select from many sizes and models.  You’ll have no problem finding the one that fits your style and your pocketbook.

One of the larger, more powerful scooters may be your choice if you’ll be taking long rides or driving frequently on the freeways.  There are plenty of scooters that will satisfy your need for power if that’s what you’re looking for.   A smaller scooter may be just what you want if you’ll be traveling short distances in light traffic.  In some states, the smaller scooters don’t require a special driver’s license.  Check the regulations in your state to be certain.

Scooters can be easier to drive as well.  They are automatic, so no need to shift gears.   Getting on and off the scooter is also easier for most.  Most scooters have storage under the seat with the possibility of an additional storage container for the back, so there will be lots of room to pack your gear.

If you’ve ridden both a motorcycle and a scooter, you will notice a difference in how people react to you.  It may be a stereotype, but many people are still intimidated by motorcyclists, thinking perhaps of the motorcycle gangs of the past.People react differently to a scooter rider.   People generally break out in a smile and wave.  Somehow, the difference in reactions doesn’t seem right, but that’s how it is.

All states have laws governing insurance for scooters. Most states require liability insurance for bodily injury and property damage on all motor driven cycles, including scooters.Scooters can be legally operated only when they carry the minimum legally mandated liability insurance and are registered and titled. Do your own online motorcycle insurance comparison to get the best rates for you.

Unique Qualities Of Motorcycle Insurance

Motorcycle insurance differs from automobile insurance in that it requires a limited tort for a motorcycle and a full tort for an automobile. Full tort is more costly but provides protection for personal injury and pain and suffering claims. Coverage can include mopeds, dirt bikes, motocross bikes and scooters. There are factors that are considered when getting rates from insurance companies that include age, driving record, experience and location.

As with car insurance, age of the driver will affect the cost. The highest rates are for females that are under 21 and males under 25. These amounts can differ from state to state. This high risk zone may cause one to wait a few years before getting a motorcycle otherwise the rates will be high.

Driving record is taken into consider when cost is factored. If one has had recent tickets or accidents where claims were filed it will probably affect the rate. Experience riding a motorcycle is also taken into consideration. After the purchase of ones first bike, chances are it will cost more for coverage. Compare rates between different insurers, there can be a considerable difference in cost. Shopping around can save a lot of money.

Where one resides can be the biggest factor insurers take into consideration. People who live in the country have lower premiums that those who live in big cities. The more traffic there is, the higher the accident rate. This will affect the cost of premiums. Certain states and counties can have higher rates than others, do not lie on the application by claiming to live in another area to get a lower rate. This is fraud and not taken lightly, in fact it can include jail time.

Different styles of bikes will have different rates associated with them. Most states include bodily injury liability, collision coverage, accessories coverage and comprehensive physical damage coverage. One might also consider getting motorbike insurance with property damage liability, no-fault or personal injury protection coverage and coverage for medical payments.

Collision insurance is comprehensive coverage will include damage when a vehicle hits a cyclist or visa versa. It can include the replacement of CB radios, chrome pieces, seats, backrests, saddlebags and helmets. Keep receipts of all of these purchases for replacement value.

Bodily injury coverage will ensure damages for an injury or death while one is operating the bike. It also will provide legal defense if a suit is filed. Medical payments, no-fault or personal injury protection allow one to select medical coverage that will protect passengers as well as the driver. Property damage to someone else’s property is covered as well as legal defense costs.

For a minimal amount, one can also get roadside assistance. This will cover towing and labor to repair a flat tire, an electrical breakdown, a dead battery or being stuck in the snow. The best thing to do is to find the lowest rate by comparing companies online. Internet websites will allow one to get a quote immediately and compare coverage options between many companies. It is the best way to save money on motorcycle insurance.