insurance question from a noob

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Old Feb 28, 2008 | 05:05 AM
  #21  
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Default RE: insurance question from a noob

im going to get my bike on friday, i dont care what i have to do...im just not going to get insurance or a license, what are the chances a cop is going to pull someone over on a dual sport bike, haha its not like u can speed really on a 250 unless you're absolutely trying too...i mean seriously, if i just drive normal i wont even get pulled over...no need for insurance or license...im already experienced anway, i used to race my yz 125 for three years...this is just my first experience with a dual sport...
 
Old Feb 28, 2008 | 11:56 AM
  #22  
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Default RE: insurance question from a noob

ORIGINAL: kpwestmo

im going to get my bike on friday, i dont care what i have to do...im just not going to get insurance or a license, what are the chances a cop is going to pull someone over on a dual sport bike, haha its not like u can speed really on a 250 unless you're absolutely trying too...i mean seriously, if i just drive normal i wont even get pulled over...no need for insurance or license...im already experienced anway, i used to race my yz 125 for three years...this is just my first experience with a dual sport...
Just be careful. While you might not be speeding or driving recklessly, sometimes cops are "interested" when they see what looks like a dirt bike driving on the road. I know there have been a few people here on this forum that have been stopped by the police before just on mere su****ion that it may not be a street legal ride...
If they do pull yaover, they probably will ask to see your license, and maybe an insurance card. I would truck it home if you could. Just my 2 cents.
 
Old Feb 28, 2008 | 01:44 PM
  #23  
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Default RE: insurance question from a noob

New Jersey rates are so high........................$173 yearly. Rider ins. Co. 35y/o male....perfect record.

Also, in NJ to drive a motorcyle you need an endorsement on your drivers license. You keep the same DL but as you obtain new endorsements like Motorcycle or Boat, they tack on more money when you renew. It's all one big glom to the state.
We are really screwed now that Corzine put out his new 2009 State budget........it'll cost like $12 dollars to drive the parkway and $34 for the turnpike.
He's getting rid of 3 departments as a whole and laying off 3000 state employees. I've complained before on here about the cost to live in this state...I can't leave either or I would. I've been a firefighter for over 10 years and to leave all that behind would be a huge loss.
Stay safe-
Dave
 
Old Feb 28, 2008 | 02:41 PM
  #24  
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Default RE: insurance question from a noob

ORIGINAL: kpwestmo

im going to get my bike on friday, i dont care what i have to do...im just not going to get insurance or a license, what are the chances a cop is going to pull someone over on a dual sport bike, haha its not like u can speed really on a 250 unless you're absolutely trying too...i mean seriously, if i just drive normal i wont even get pulled over...no need for insurance or license...im already experienced anway, i used to race my yz 125 for three years...this is just my first experience with a dual sport...
Well I have to disagree here. What happens to the guy in the cross walk that you hit? or what if you go down and some car has to swerve and they run off the road or hit another car and 5 people get killed? Are you gonna outta pocket the bills until you lose everything you own? Or what about the fact that we all pay more for insurance because people have that same attitude that they will never get caught? I'm not trying to say that everyone has to get insurance, but even in a state where its not required, I wasn't taking any chances. Call Geico, the minimum is $80.00 a year, that my friend is worth a lot when it comes to piece of mind.

As far as the endorsement goes, that too is up to you. But let me tell you, here in Washington State and soon to be in other areas, they are impounding your bike if your caught without an endorsement. And actually for years there has been a steep fine for riding without an endorsement. Here is a sweeping trend.

Penalties for riding without a motorcycle endorsement or instruction permit include up to 90 days in jail, a $1,000 fine, and having the motorcycle towed and impounded.

http://home.ama-cycle.org/amaccess/l...t.asp?state=NC
 
Old Feb 28, 2008 | 02:49 PM
  #25  
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Default RE: insurance question from a noob

i have been pulled over at least 4 times on the klx..... they WILL stop you.... only one time i deserved to get pulled over..... "had a problem with the clutch" and the front wheel came up.....
 
Old Mar 2, 2008 | 06:46 PM
  #26  
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Default RE: insurance question from a noob

ORIGINAL: EMS_0525



good luck with the MSF course discount.... i asked my insurance and they said nope... no discount... my klx is 17$ amonth, and my honda 750 is 13$ a month.... 25 no tickets no accidents...
hmmm... get a new company!
BTW, who is your insurance provider?
 
Old Mar 2, 2008 | 11:34 PM
  #27  
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Default RE: insurance question from a noob

I have state farm... no biggie to me, the klx costs me alot in ins cause its new and stuff... yea they didnt accept the MSF course, i was taking it and had already gone one day and it was stupid i didnt learn anything, the advanced course might be better but the basic course was a joke if you already knew how to ride... so i didnt go the second day.
 
Old Mar 3, 2008 | 12:37 AM
  #28  
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Default RE: insurance question from a noob

I have progressive and do the full coverage for $127 a yr,so it's basicly the same as yours eric.Hell if it was 250 a yr I would still pay it just to ride
 
Old Mar 3, 2008 | 09:05 AM
  #29  
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Default RE: insurance question from a noob

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I have progressive and do the full coverage for $127 a yr,so it's basicly the same as yours eric.Hell if it was 250 a yr I would still pay it just to ride
Hell yea!!!
 
Old Mar 3, 2008 | 12:52 PM
  #30  
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Default RE: insurance question from a noob

ORIGINAL: kpwestmo

im going to get my bike on friday, i dont care what i have to do...im just not going to get insurance or a license, what are the chances a cop is going to pull someone over on a dual sport bike, haha its not like u can speed really on a 250 unless you're absolutely trying too...i mean seriously, if i just drive normal i wont even get pulled over...no need for insurance or license...im already experienced anway, i used to race my yz 125 for three years...this is just my first experience with a dual sport...
Not having ins. or the endorsement is just plain stupid IMO.


Eric...I thought the basic rider class of the MSF was stupid too as i've been riding for more that 12 years but the card made it all legit for me and i got the discount.Just go and take the class.I would not suggest the ERC as the instructor will single you out and have you try stupid things....At least they did that to me.I did pass but it was still a true skills challenge.
The BRC was kind of fun and besides the bookwork you will learn something out on the "range".The serving and stopping manuevers will put you back into perspective ....especially on those crappy little zuki 250's....
 



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