Archive for the ‘Biker Issues’ Category

AMA Urges Comments on Resource Management Plan That Would Limit Riding

Thursday, January 12th, 2012

Riding in the hills above Lake City

January 17 is the deadline for comments on a proposed Resource Management Plan (RMP) put together by the Colorado River Valley (CRVO) Glenwood Springs field office of the federal Bureau of Land Management (BLM). After studying the plan the American Motorcyclist Association (AMA) has issued an alert stating that “The current proposed RMP calls for a significant decrease in the number of miles for off-highway vehicle use as well as a total elimination of all cross country travel,” and urging motorcyclists to register their concerns with the plan. Letters should be sent to:

BLM CO River Valley Field Office
2300 River Frontage Rd.
Silt, CO 81652

Or you can email your comments to cormpkg@ttsfo.com.

Limitations proposed by the plan include the following.

  • Eliminate all cross-country travel currently allowed on 123,000 acres
  • Decrease designated route mileage for full-size vehicles from 760 miles to 470 miles
  • Decrease designated route mileage for ATVs from 82 miles to 62 miles
  • Decrease designated single-track route mileage for motorcycles from 85 miles to 66 miles
  • Closure of an additional 47,900 acres currently open to snowmobile recreation
  • Closure to snowmobile usage on anything other than a trail on an additional 14,800 acres

The particular issues the AMA has with the plan, and what they consider the talking points to be raised in making comments, include the following.

  • There is a lot of information provided in the plan for different uses; however it is disorganized and hard to review.
  • Travel management analysis and decisions appear to have been overlooked in the development of the plan and there is no analysis offered as to why all routes closed to motorized usage are assumed to be available for non-motorized and mechanized usage going forward. The lack of analysis for travel management related issues is a violation of NEPA’s requirements for a detailed statement of high quality information of why decisions in the Plan have been made.
  • Motorized users are the only loser in the plan as travel management is the first tool used to address management issues that have nothing to do with travel management, like big game hunting issues and cave management.
  • Alternative D is the best alternative but it still fails to address usage trends on the CRVO.
  • Alternative C is very weak scientifically and violates both state and federal planning guidelines.
  • The Plan moves to a fully designated trail system for all users; however the stated benefits of the proposed changes are simply not addressed. The Plan does not analyze why this protection is not enough and further closures are necessary, when most habitat management plans never identify the need for any trail closures to protect the species.
  • Loss of the Gypsum Hills Special Recreation Management Area (SRMA) is unfair and runs counter to the reason it was originally created (to off-set the impacts of two Wilderness Study Areas (WSA’s). The WSA’s are still present and the SRMA should not be removed until there is a proposal to re-open the WSAs.
  • User conflicts are often overstated to obtain closures for other reasons and most user conflicts can be addressed without the closures of trails and roads.
  • Closure of the Hardscrabble Area for motorized access and subsequent designation of the Hardscrabble area for targeted recreational motorsports activities is inconsistent. This plan fails to give any analysis of the existing motorized opportunities that will be lost in the Hardscrabble area.
  • Many of the Wilderness characteristic areas and areas of critical environmental concern designations are inconsistent or conflicting.
  • Many proposed management standards violate multiple usage requirements such as the standard of managing all big game habitats to optimum standards

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Biker Quote for Today

Life is long enough – it just isn’t wide enough. Although I do enjoy a good single track now and then!

Motorcycle Safety: A Good Answer to ‘Why Not?’

Thursday, December 15th, 2011

We all know those signs over the highways that alert you to problems, scheduled closures, and such. And during May, which is designated Motorcycle Safety Awareness Month, those signs typically carry the message for drivers to be aware and watch out for motorcycles on the road with them.

The CDOT logoThis past May, my wife Judy asked the question, “Why do they only have that message during May? Why don’t they put that up there all year?”

I can now answer that question, and it’s actually a good answer.

Last week I attended a meeting at the Colorado Department of Transportation and one of the people there was Heather Halpape, who works in public relations with CDOT. At one point in the meeting she spoke about messages on those signs so afterward I asked her Judy’s question. Here’s what she said.

First, they do put up that message more often than just in May. They also put it up in August during the time around the Sturgis rally because there are a lot of bikes moving through the state to or from Sturgis. She said there is one other time when they use it as well, though she couldn’t remember off hand when that is.

Second, although the message is an attempt to promote safe driving, it can actually create less-safe conditions. Those signs don’t always have messages on them, but when they do, people make a point to read them. This can lead slowdowns and congestion. We saw that just this past weekend as we were coming down I-25 past the Yale exit. The sign there was alerting people to a closure at Belleview, and we hit congestion approaching that sign. After the sign, traffic sped up and the congestion cleared.

Third, people have been trained that messages are only put on the signs if the matter is important. So they make a point to read them. If there was always a message of some kind, that would just become routine and people would start to ignore the signs. And of course, that would defeat the purpose.

So there you go. Judy had a good question but Heather had a good answer that shows the people working for the state have given real thought to the matter. Kudos to CDOT.

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Biker Quote for Today

Don’t let my motorcycle ride interfere with the safety of your phone call.

Rider Training Program Threatened

Thursday, December 8th, 2011

Are you aware that when you renew your plates on your motorcycle(s) each year in Colorado you pay $4 that goes into a fund to help defray the cost of rider training courses? Also, anyone renewing their driver’s license with motorcycle accreditation pays an extra $2 that goes to the same fund.

MOST logoThis is all set in place because some years ago the motorcycling community asked for it. The general idea is that it is a good thing for everybody to have the folks riding motorcycles actually get some training so they can do it competently. The accompanying concept was that such a program could help to forestall proposals that Colorado institute a mandatory helmet law. That is to say, education and better riding skills do more to prevent traffic fatalities than wearing helmets. Or, to put it differently, crash prevention is better than having safer crashes.

Regardless of how you might feel about helmet laws, I don’t see how anyone can argue that it is not better to avoid crashing than to crash and not get hurt so badly.

The vehicle for this funneling of fees to rider training is Colorado’s Motorcycle Operator Safety Training program or MOST. MOST is now under attack, in some cases from organizations that originally supported its creation.

I could go on at great length with the history and background of what is currently going on, as ABATE of Colorado’s State Coordinator Terry Howard did with me, but I’ll give you the short version.

ABATE, Riders for Justice, some of the motorcycle clubs, dealerships, and others pushed for the training approach. Over the years the program was not given sufficient oversight and some problems developed. The Colorado Legislature this past year conducted an audit of the program and identified a number of issues. Several of those issues were immediately addressed and rectified and the rest will soon have been fixed.

In the meantime, however, new people have replaced the old, and in organizations such as the Colorado Confederation of Clubs (COC) which came into existence later, there is no understanding of the history of and reasons for the fees. Some of the previous supporters are now saying, “Why should we have to pay to reduce the cost for other people to learn to ride?”

In a twist that gives fits to Terry Howard, a Republican, the legislative audit committee was divided on party lines–with the Republicans being the ones she finds herself in opposition to. In the current anti-tax atmosphere, the Republicans on the committee are in favor of eliminating MOST and letting us keep our $4 and $2 fees. It is the Democrats who are saying, “The motorcyclists asked for this program, and for these fees to be levied on them, so let’s keep the fees and keep the program they fund.”

One other thing to keep in mind: If MOST is killed there is no certainty that the fees will be eliminated. We could end up paying the fees without getting the benefit.

The committee deadlocked in this past session, but it seems likely that Republican Rep. Marsha Looper, of Colorado Springs, will introduce legislation in the next session to kill MOST. This would be a good topic for all Colorado motorcyclists to learn more about, and then do what you can to educate your legislators, whether you support MOST or oppose it. Most of them don’t know anything at all about it.

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Biker Quote for Today

Statistics show that most solo motorcycle accidents are caused by a defective nut holding the handlebars.

ABATE Considers Ending Red River Rally Boycott

Monday, November 21st, 2011

It was a statement that many felt needed to be made, but time moves ahead and sometimes you just have to let it go.

Bikers passing on a New Mexico roadAt the request of ABATE of Colorado‘s southern districts, the group’s long-standing boycott of the Red River Rally, in Red River, NM, may be coming to an end.

The boycott was agreed upon following a fatal crash during the 2004 rally and the aftermath of that incident. A 15-year-old boy, without a driver’s license, was playing chicken with a friend and ran head-on into two motorcycles carrying four people. Two of the four died and one was severely injured, losing a leg among other injuries. The four were all Coloradans and ABATE members.

Authorities in Taos County, where the incident occurred, chose only to order the boy into counseling, levied a $175 fine, and allowed him to keep his learner’s permit. That was too much to take, and ABATE voted to institute the boycott. The idea was to stop Colorado dollars from bolstering the economy in the Red River area by keeping Colorado riders away from the rally.

According to Terry Howard, state coordinator for ABATE of Colorado, the boycott was reasonably effective the first year but each year less so. Now, the southern districts feel that continuing the boycott is hindering their efforts to attract members, and they have asked that it be ended. Each ABATE district has been asked to vote on whether they agree with the move, and the matter will then be decided at the next state board meeting.

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Biker Quote for Today

ATGATT: Cooler than a skin graft.

Wrenching 101

Monday, October 24th, 2011

Motorcycle Maintenance 101

I’ve never been afraid to get my hands dirty, but that doesn’t mean I’ve ever been all that much of a mechanic. Granted, with the guidance of some experienced friends I did once drop a new engine into a 1964 Ford Fairlane, but that was long ago and far away.

When it comes to my motorcycles I have always been the guy paying someone else to do all but the most basic maintenance. Heck, I’ve never even replaced a tire. I generally replace oil and filters, and adjust the chain on my old Honda CB750, and that’s about it. I did replace the shift-shaft seal on the Honda recently.

I’m open to learning more. To that end, I plan to attend a basic motorcycle maintenance session the Erico Motorsports is offering on Saturday, Nov. 5. Here’s what they intend to cover:

  1. Chain/chassis lubrication and adjustment
  2. Oil level inspection and change along with coolant level checks
  3. Brake pad and fluid inspection
  4. Inspection of tires along with correct tire pressure settings
  5. Frame and suspension inspection
  6. General safety check
  7. Benefits of a dynamometer and power commander
  8. Set up for storage/winterization
  9. Pre-ride inspection
  10. Scheduled maintenance
  11. Performance enhancement

Of course I have two interests in doing this. First, I’m hoping I might learn something. Second, I figure it will be an interesting session to write about.

In case you’re interested, you’ll need to contact Tai Beldock at Erico to RSVP at tai@ericomotorsports.com. There is no charge but they’ll be providing lunch and want to have an idea how many people to expect.

So stay tuned. Or maybe I’ll see you there. If you do come, please find me and introduce yourself. I’ll be the guy shooting pictures. I love meeting the folks who visit my website.

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Bikes are a ton easier to push through doorways when the guy on the bike isn’t holding the brake.

Guest Post: Motorcycle Safety Tips To Ensure A Good Ride

Sunday, October 9th, 2011

Motorcycles riding through Central City

This guest post has been provided by Pedro Barnes, who is an automobile insurance analyst and writer for the insurance comparison website CheapInsuranceHQ.com. I hope you’ll find it useful and perhaps thought-provoking.

Motorcycle Safety Tips

There’s nothing like the feel of riding your bike on a beautiful, sunny day. Staying safe on the bike is really up to you. Here are some tips to help you stay safe when you’re out on the bike.

Bike Maintenance

Give your bike a quick check once in a while to ensure that everything is working. Check the lights, brake lights, turn signals and oil on a regular basis. Look at cables to be sure they aren’t frayed or worn and lube the train.

Gear

Quality gear can make the difference in an accident. The helmet should fit well and snugly. It should have the DOT label to show that it meets federal standards. Quality leather pants and a jacket not only look sharp, they also help protect you from road debris. Black is the natural choice, but a brighter color will make you more visible to other drivers. Gloves should be non-slip and the shoes you put on should cover the ankles.

Respect

Motorcycles are naturally harder to see. Engaging in risky behavior like riding on the shoulder or weaving through traffic will increase your chances of being in an accident. It’s also important to obey the speed limit when riding and, of course, never drink alcohol or take drugs before hitting the open road.

Assumptions

Normally, you want to avoid making any assumptions. But when you’re on a bike, there are some that make sense. Assume that there is a car in the lane you want to merge into and check on its location. Further, assume that the driver in that car has not noticed you and proceed with caution.

Take a Rider Safety Class

There are classes available to help make you a safer rider. Consider signing up for one of these affordable classes so you can spend more time enjoying the road and less time dealing with accidents. Plus, several insurance companies offer a discount on insurance premiums if you take a safety course. Allstate Insurance, for example, will reward you with a five percent discount on insurance premiums if you take a motorcycle safety class. Nationwide is another insurance company that will insure your bike and give you a five percent discount for taking a safety course.

Remember that Drivers are Blind

It’s not a conscious choice, but it is a fact that far too many drivers just don’t notice motorcycles. Motorcycle awareness, or the lack thereof, is often cited by the National Highway Traffic Safety Association a leading factor in motorcycle accidents. Make yourself more visible by using your turn signals when possible. Take the time to check your mirror before braking so you can not only watch the object in front of you, but also the car behind you to be sure it is slowing down.

Smooth Riding

Easy accelerations, gentle braking using both brakes, proper gear choice and smooth steering will help you stay safe. Your bike will hold traction on the road better and you will be less likely to land in a ditch.

Slow Down when Necessary

If visibility is poor or the car ahead of you is slowing down, you need to slow down, also. Keep the speed in line with what you can see and leave a distance between you and the car ahead of you.

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Biker Quote for Today

Gear: Because walking away in disgust beats riding away in an ambulance.

Motorcycling Fact or Fiction?

Thursday, September 15th, 2011

Motorcycle on Squaw Pass Road

I just want to pass along this information I saw in this month’s issue of ABATE of Colorado‘s Spokesman publication. It’s something they got from the Motorcycle Riders Foundation, and has to do with the statistics that so often are used to justify “fixes” for problems. Here’s what the MRF put out.

Possible Errors? When errors, omissions or inaccuracies are discovered in reports or statistics, it calls into question the integrity of results. Additionally, small numbers can be easily skewed by slight or seemingly insignificant variations. Furthermore, numbers may be exploited if uncharacteristic highs or lows are used as a baseline. None of these discoveries are intended to argue against helmet use, but rather to demonstrate that suggesting a helmet law is not the solution to motorcycle safety. Individual states need to maintain the ability to determine what measures best address the needs and desires of their residents as suggested in the National Agenda for Motorcycle Safety (NAMS).

FACT Comparison of studies is complicated due to varying criteria, wherein one report references riders, it is unclear if that includes passengers or specifically operators. Other papers may refer to the numbers of persons, crashes or vehicles intermittently. This can be quite confusing as the numbers are usually very close and are frequently compared in error.

FACT A Minnesota motorcyclist survived a crash only to be struck by a car while standing on the road attempting to flag down a motorist for assistance. This was subsequently counted as a motorcycle fatality.

FACT A Pennsylvania taxi driver, with multiple suspensions,was responsible for about two percent of the state’s total motorcycle fatalities when he caused a crash with three motorcycles and killed five helmeted riders in a single incident.

FACT Motorcycle fatalities dropped by 10% in 2009 and preliminary reports indicate that 2010 numbers will be further reduced by at least 2%. The Motorcycle Industry Council advises that sales of replacement tires were up by 6.1% in 2010, suggesting an increase in motorcycle usage. A decrease in fatalities despite an increase in exposure would suggest that motorcycle safety and awareness programs, specifically rider education courses, have been successful.

FACT The National Transportation Safety Board has investigated over 120,000 airplane incidents, over 60,000 surface transportation incidents, and just 6 individual motorcycle incidents in their entire 44 year history — Apparently enough investigation to warrant adding mandatory helmet laws for motorcyclists on their “top ten most wanted list.”

FACT According to preliminary data from the Governors Highway Safety Association, states that have a mandatory adult helmet law had 6 fewer fatalities in 2010 than in 2009, while free choice states saw a reduction of 74. The state with the single largest decline in fatalities (Texas -60) is a choice state and a state which requires helmets on all riders tied for the greatest increase (New York +24).

FACT FARS (Fatality Analysis Reporting System) continues to include “mopeds” in motorcycle crash statistics despite the fact that most states do not require registration of these vehicles. This practice skews the most respected method of measuring the effectiveness of motorcycle safety programs, which is the ratio of accidents, injuries and fatalities per 10,000 registrations.

For more information, contact Jeff Hennie, Motorcycle Riders Foundation, 202-546-0983, jeff@mrf.org

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Biker Quote for Today

She pulled out into his path. Classical modus deathus for a biker.

Hesitations With The Old Honda

Monday, September 12th, 2011

I love my 1980 Honda CB750 Custom. It’s the first bike I ever owned and I’ve had it for what seems like forever. I still ride it regularly and though my Kawi is a more dependable bike, the Honda is just more fun to ride. It’s that “dependable” part that’s getting to me, though.

Me on the CB in CaliforniaI rode the Honda today. And as I got on it and fired it up I had the same thought I always do anymore when I ride it: Am I going to get home today without any problems?

I can safely say now, after the fact, that I did indeed get home without any problems. But that’s the problem. Too often in recent years the answer to that question has been “No.” Last year it was out of commission for a lengthy period and in the last few years I’ve only put about 700 to 800 miles on it a year. Most of the time I ride the Kawi. Whereas I used to take the Honda everywhere (of course, it was the only bike I had), now when I plan to take a trip I always take the Kawi. First off, frankly, the Kawi is a better highway bike. But secondly, and also a big factor, I just don’t trust the Honda.

So why don’t I just get rid of it and get a newer bike? That’s pretty much what my mother said once when I told her one of our critters was sick. But no, it just doesn’t work that way. I love this bike. I wanted a bike for so many years and I finally got one. I got this one. And this bike has brought me more joy than I can begin to say.

OK. Fine. So what’s the big deal? Keep the bike, and keep riding it. But now we’re right back at the start. I really don’t enjoy wasting hours of my day waiting for the tow truck to arrive. I really don’t enjoy helping to ensure that my mechanic lives an affluent life while I scrape by. And I’m not equipped and I don’t have the time to do all my own repairs the way some folks say I should.

When you’re talking love for your kids you always think unconditional love. There’s nothing they could ever do that would cause you not to love them. But a motorcycle is not your kids. And sometimes, regret it though you may, the time comes to get rid of the bike. I know it will shock many of my friends to hear this–even my wife–but that day may be coming.

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Biker Quote for Today

I don’t think duct tape is gonna fix that.

How Quickly We Turn To Fall

Thursday, September 8th, 2011

It seems like only last week we were cooking through the hottest August on record in Colorado. Oh, wait. It was last week. And now here it is September and yesterday’s high was about 65 degrees. Is that cool enough for you?

Dual-sport riding in the mountains in the fallMore importantly, we know what that portends. It’s not going to be long and the leaves will be turning and there will be snow. The riding season anywhere higher than the prairie will be ended. Fortunately, the riding season on the prairie never ends, it just takes a hiatus now and then. But I ride 12 months out of the year, every year, no exceptions, and I know others who do the same. It would be different if I lived above 8,000 feet. Maybe even 7,000.

With that in mind I was interested in a piece put out yesterday by Lisa Petrocelli, the Albany Biker Culture Examiner, called “Season of the biker.” What she said was that, “An interesting thought occurred to me today – that the seasons of the year seem to last twice as long for bikers.”

Her gist was that winter, when we can’t ride, seems to last twice as long. And summer comes early and stays late because while others are resigning themselves to the seasons, we are claiming the warmth sooner and clinging to it later.

As Lisa says, “while most people around me (family members, co-workers) seem to be geared toward the coming season, the bikers around me are still at rest in the Summertime. Yes, we all know this is the last month of Summer, but it IS STILL SUMMER! I have seen absolutely no movement by the bikers in my world to even consider slowing down or start to think about storing their bikes for the winter.”

It is, of course, only early September right now and there is some great riding to be done in the next several weeks. Fall color rides are a great thing to do and there’s no better way to see it all than on a motorcycle. But I still need to get out and do some dual-sport riding. That’s something that does have a time factor on it.

I’ve been trying all summer to find time to get up to Gunnison and go riding with Kevin Smith, who runs Colorado Mountain Moto, and that time has not been found. I finally emailed Kevin the other day saying I’m ready to throw a dart at the calendar and just do it. Likewise, I’ve been planning to ride with Ron Coleman of Western Dual Sport Motorcycle Adventures and Dan Patino of Go 2 Motorcycle Tours and it just hasn’t happened. I think it’s safe to say you can look forward to several dual-sport riding reports here in the very near future. If not, I’m going to be kicking myself hard.

It’s time to ride. Everything else can wait.

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Biker Quote for Today

When the sun shines two wheels always win.

Guest Post: Q&A for Cheaper Motorcycle Insurance

Thursday, February 10th, 2011

wrecked motorcycle

http://www.flickr.com/photos/gentleman_rook/ / CC BY-ND 2.0

How can you save money on motorcycle insurance? Pam King, who writes about such things for Direct General, a company dealing in motorcycle insurance, contacted me to ask if she could do a guest post here discussing that question. After reading her piece I told her yes, but that I would be adding my own comments in a few spots where I take a different view of the matter.

10 Simple Questions for Cheaper Motorcycle Insurance

Whether you’ve just purchased your first motorcycle or have been riding for years, motorcycle insurance can make a HUGE impact on your budget. As with auto insurance, your rates will depend on things like your age, the type of bike you own, your driving record, and your geographic location.

Aside from these factors, there are several other ways you can save money on your motorcycle insurance. All it takes is knowing the right questions to ask! Here are 10 questions to ask your insurance agent and potentially save yourself quite a bit of money on your policy.

1) Do you have a detailed copy of your current policy? If you currently have a motorcycle insurance policy, having it in front of you when talking to your agent can be a big help. The agent will want to know the specifics of your current coverage and how much you pay for each portion. This can help them determine the best rate – and hopefully save you money in the end.

2) Does your state require bodily injury coverage? Many locations require you to have bodily injury coverage, which pays for injury to others if the accident is your fault. In most states, the legal minimum is $10,000 per person, per accident. However, insurance companies recommend you carry as much as three times the minimum in case of litigation or a lawsuit.

Ask your insurance agent for the specifics of their policy, but as a rule, bodily injury coverage pays for the medical bills incurred by injured parties and their guests, the cost of repairing or replacing damaged property, the lost wages of the injured party, and more.

3) Can you afford to increase your deductible? Increasing your deductible, the amount you pay for a claim before insurance kicks in, is a great way to lower your monthly payments. Having a higher deductible will cost more if you get into an accident, but it can save you quite a bit of money from month-to-month. If you do increase your deductible, you may want to consider putting part of the money you save each month into a savings account. Then, this can be saved in case of a future accident.

Ken says: I hear this all the time and I personally take a different approach. Yes, you can reduce your monthly premium if you take a higher deductible, but if you have a single claim in 5 years or even more, what you save with the lower deductible can easily more than pay the extra premium amount. I can deal with paying a few dollars extra each month. I don’t want to get hit with that BIG expense all at once in case I have a claim.

4) Do you plan to ride with a guest? Unlike auto insurance, passengers aren’t automatically covered under a policy. If you plan on riding with guest – and this means ever – you’ll want to add guest passenger liability coverage to your policy. This will pay for any injuries your passenger gets while riding with you.

5) Do I need collision coverage? Take a look at the following factors. If any apply to you, you may want to consider dropping your collision coverage:

• Your bike is more than five years old
• Your bike is valued at less than $3,000
• You’re a safe driver and haven’t had an accident in the last years
• You’ve saved enough money to pay for repairs if needed

Talk with your insurance agent before you decide to drop it completely. They can help you determine if this is a good choice based on your deductibles and the value of your motorcycle.

Ken says: Both my bikes are more than 5 years old and I say yes to the other points except that my Concours is worth more than $3,000. I carry only liability on my Honda CB750 but I have collision on my Connie. The reason is the bodywork on the Connie. That stuff is expensive. Coupled with my low deductible, an accident that does not total the bike but causes serious damage would not cost me much, and it would more than justify my choices for a lot of years.

6) Do you need all the “extras”? Motorcycle insurance plans sometimes include things like roadside assistance, extra medical coverage, and towing. Sit down and consider whether or not you can live without these items, or if the money you’ll save by dropping them is worth it.

Ken says: This should be a no-brainer. Don’t pay extra for roadside assistance or towing: join the American Motorcyclist Association and get these at no extra charge as part of your membership, provided that you sign up for automatic renewal each year via credit card.

7) Do you want accessory or custom parts coverage? Some policies don’t cover the “extras” you add to your bike, even if they are damaged or destroyed in an accident. This includes things like highway pegs, radios, CBs, custom seats, a luggage rack, safety guards, and more. If you want coverage for these, be sure to add it to your policy. If you can live without it, don’t opt for the coverage and save yourself some money each month.

8) Do you plan to drive your bike to work? If not, let your insurance agent know. Some companies give discounts for putting less than a certain number of miles on your bike each year. Quite the opposite, others give discounts for using your bike for transportation to and from work. Of course, this will be something you’ll have to bring up with your agent to get the appropriate discount.

9) Do you live in a low-cost or high-cost area? If you plan to move in the near future or garage your bike in a different area than you live (For example, a vacation home), make sure to tell your agent this. Generally, the more urban the area you live, the higher your premium. And, rates can vary significantly from state to state. If your winters are spent in Arizona, but your bike is stored at home in South Dakota, your rates may be significantly different.

10) Do all drivers on your policy use the motorcycle? This is particularly important for young drivers. If you have a student who’s moved away to college and no longer drives the motorcycle, drop them from your policy. Why? Because the insurance rates are much higher for teens. However, be cautious – if you take a driver off your policy but they eventually take your bike out for a joy ride and have an accident, you’ll be liable for everything.

There you go, my friends. Consider the above questions before talking with your insurance agent about motorcycle insurance coverage. It will not only help you be well-informed, but will also help negotiate the best rates and save money in the long run.

About the Author:
Pam King writes on frugality, safety and insurance literacy for Direct General, a motorcycle insurance provider. When not saving money on her insurance, Pam enjoys knitting, NASCAR, family and watching rollerderby! :)

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Biker Quote for Today

Sweat wipes off. Road-rash doesn’t.