Why It’s Wise to get Motorcycle Insurance

If you own a motorcycle, it’s required by law to get motorcycle insurance. It would be foolish not to since motorcycles are inherently more dangerous than cars. In fact, it may be a very good idea to get health insurance too. Even life insurance seems like a sensible precaution, and that’s especially true when you ride the following motorcycles:

  1. 2005-2006 Suzuki GSX-R1000. This is a highly regarded motorcycle by veterans, and some consider this among the best motorbikes ever built. But if you’re not an experienced rider, then this isn’t the motorbike for you. One wrong move with this will be very bad, since the engine gives you 175bhp, the steering is unbelievably sharp, and it’s a superbike without rider aid technology. There’s no traction control and inadvertent wheelies are too common.
  2. Suzuki DR-Z400S. Admittedly, for an adventure motorcycle this is a treat. It’s a motocross motorbike that will jump and deal with harsh off-road conditions. It only weighs 317 pounds, and that light weight can attract too many riders will lots of guts and maybe not enough skill. This requires a supremely skilled rider, and over the years there have been too many broken bones attesting to the fact that not everyone is expert enough for this motorbike.
  3. 1999 Suzuki Hayabusa GSX1300R. No, we’re not bashing Suzuki with the 3rd straight mention on this list. In a way, it’s a compliment. After all, the Hayabusa is legendary in the motorcycle drag racing circuit because it was built well before there was a law enacted to electronically limit the top speed of motorcycles. That’s why this monster can do 195 mph. Add the fact that the ride is quite thick and all its weight is low to the ground so steering becomes difficult, and you have a big problem if you’re a newbie.
  4. 2009 (and beyond) Ducati Streetfighter 1098. Ducati spend a few years in the late 2000s building bikes for the crazy crowd, and these rides included the Hypermotard and the Diavel. The craziest of them all is the Ducati Streetfighter, the 1099cc superbike with 85 ft/lbs of torque. You’ll feel like you’re going to fall off at any moment, when you go past 100 mph and you realize the ride doesn’t have any windshield at all!
  5. 2004-2005 Kawasaki ZX10R. This usually comes in a bright green color, and that may seem appropriate when it tends to act like an unruly Incredible Hulk. The ride made records and not in a good way, since in its class it had the greatest horsepower, the lowest weight, and even the shortest wheelbase. This will give you the craziest ride you’ll ever get, regardless of how experienced you may be as a rider. It’s often unstable because the front wheel teds to disconnect from the road, and it doesn’t normally come with a steering damper. The brake discs were also smaller, so when you slow down from warp speed you get brake fade instead. Newbies who ride this are unaware, foolish, or just plain suicidal.
  6. 2002-2003 Honda CBR954RR. This was only made for 2 years, but that’s enough time for it to establish its wild reputation. It doesn’t have any electronic aid for the rider, except for the light telling you that you’re low on fuel. Meanwhile, the unruly powerband along with the shorter wheelbase often had new riders dealing with an elevating front wheel. The brakes also tended to either lock the front wheel or throw you off in case of emergency braking.

Motorcycles are extremely dangerous, which is why it is crucial to make sure you are covered should an accident occur.

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