Riding a motorcycle is amazing. The freedom and adventure you get on two wheels are unbeatable. But it comes with responsibilities, especially when it comes to safety.
Not to take the fun out of it, but for new riders about to mount their iron horse, understanding the basics of motorcycle safety — and getting the right motorcycle insurance – can mean the difference between a thrilling ride and a dangerous mishap.
Let’s dive into some essential tips and best practices that every new motorcycle rider should know to stay safe on the road.
Motorcycles 101: Understanding motorcycle basics
Before hitting the road, you’ll want to be familiar with all the fundamental parts that go into making up your motorcycle. Knowing how each works can help you maintain your bike and ride more safely.
Here are the basics:
- Battery: Powers the electrical parts of your bike. Regularly check the charge and terminals for corrosion. Consider using a battery tender if you’re not riding for a while.
- Brakes: Essential for stopping safely. Learn the difference between front and rear brakes and how to use them properly.
- Chain and Sprockets: Drive components that transfer power to the rear wheel. Keep the chain clean, properly tensioned, and lubricated to avoid wear and keep things running smoothly.
- Clutch: Engages and disengages the engine from the transmission. Regular adjustment and maintenance are key for smooth operation.
- Cooling System: Keeps the engine at the right temperature. Whether air-cooled or liquid-cooled, check coolant levels and the radiator in liquid-cooled bikes.
- Dashboard/Instrumentation: Displays important info like speed, fuel level, and engine diagnostics. Make sure all gauges and indicators are working.
- Engine: The heart of your motorcycle. Regular oil changes and servicing will keep it running smoothly.
- Exhaust System: Manages exhaust gases from the engine. Check for leaks and make sure the exhaust system is in good condition to avoid performance and noise issues.
- Footpegs and Pedals: Provide support for your feet and house the gear shift and rear brake pedals. They need to be secure and in good condition.
- Frame: The backbone of the bike, holding everything together. Regularly inspect it for cracks or damage.
- Fuel System: Includes the fuel tank, fuel pump, and injectors or carburetors. Regularly check for leaks, clean the fuel filter, and make sure the fuel is fresh to avoid performance issues.
- Handlebars and Controls: Include the throttle, brake and clutch levers, and switches for lights and signals. Make sure all controls are within easy reach and functioning properly.
- Lights and Indicators: Essential for visibility and communication with other road users. Regularly check that headlights, tail lights, brake lights, and turn signals are working.
- Mirrors: Provide visibility of the road behind you. Adjust them properly and check for cracks or damage.
- Seat: Provides comfort and support for the rider. Make sure it’s in good condition and offers enough support.
- Suspension: Affects how your bike handles bumps and turns. Check for proper adjustment and regular maintenance.
- Throttle: Controls engine speed and power. Make sure the throttle cable is in good condition and operates smoothly.
- Tires: The only contact point with the road. Make sure they’re properly inflated and have enough tread.
- Transmission: Transfers power from the engine to the rear wheel. Learn how to shift gears smoothly and check fluid levels in bikes with a gearbox.
Regular maintenance checks, such as inspecting brake pads, oil levels, and tire pressure, are necessary to ensure everything is in tip-top shape for a smooth and safe ride. Familiarize yourself with your bike’s manual, and be sure to follow the recommended service intervals.
Choosing the right ride
Choosing the right motorcycle involves more than just picking a cool-looking model. Test ride different models if possible, and consult with experienced riders or dealers to find the best fit.
Here are some things to think about:
- Engine Size: Beginners should start with a smaller engine (250cc to 500cc) to get accustomed to riding. Smaller engines provide sufficient power for learning without being overwhelming.
- Weight: A lighter bike is easier to handle, especially at low speeds or when parking. Lightweight bikes are more manageable and less intimidating for new riders, making them ideal for learning basic skills.
- Seat Height: Make sure you can comfortably put both feet on the ground when you’re sitting on the bike. This helps with balance and stability, especially when stopping or maneuvering in tight spaces. Test different models to find one that fits your height and build.
- Style: Pick a style that fits how you want to ride. For example, dual-sport bikes are great for both on-road and off-road adventures, while touring bikes are designed for long-distance comfort.
- Ergonomics: Consider the overall comfort and fit of the motorcycle. Check that the handlebars, footpegs, and seat are positioned in a way that feels natural and comfortable.
- Safety Features: Brands with advanced features such as anti-lock brakes (ABS), traction control, and adaptive headlights provide much more safety than older models.
- New vs. Used: New bikes come with warranties and the latest features but are more expensive. Used bikes are more affordable but may require more maintenance.
- Budget: Decide how much you want to spend on the bike, including gear, insurance, and maintenance costs. Stick to what you can afford.
- Dealer Support and Service: Consider the availability of local dealers and service centers for the brand and model you choose. It’ll make it easier to get help if you need repairs or maintenance.
- Resale Value: Some bikes hold their value better than others. Research models that have good resale value if you plan to upgrade or change bikes in the future.
The importance of motorcycle insurance
Motorcycle insurance is required in some form or another before you can register your bike and receive a license plate. The only exception is Florida.
Here’s a general look into the types of motorcycle insurance available. Remember, some may be mandatory in your state, while others will be optional but recommended.
- Liability Coverage: This is typically mandatory and covers damage or injuries you cause to others in an accident where you’re at fault. It includes property damage (like repairs to other vehicles or structures) and bodily injury (medical expenses and lost wages of the other party).
- Collision Coverage: This coverage pays to fix or replace your bike if you crash into something, whether it’s another vehicle or an object like a tree or guardrail.
- Comprehensive Coverage: This insurance protects your bike from things like theft, vandalism, fire, or natural disasters. It pays to fix or replace your motorcycle if something happens that’s not a collision.
- Uninsured/Underinsured Motorist Coverage: This helps when you’re in an accident caused by someone who doesn’t have insurance or doesn’t have enough. It covers your medical bills and bike repairs.
- Personal Injury Protection (PIP): In some places, PIP covers medical bills for you and your passengers, regardless of who’s at fault. It can also help with lost wages and other expenses from a motorcycle accident.
- Medical Payments (MedPay): Similar to PIP, MedPay covers medical costs for you and passengers after an accident, regardless of fault. It’s there to help with immediate medical expenses.
- Accessory Coverage: This covers special parts or extras added to your motorcycle, like custom paint jobs or upgraded exhaust systems. It ensures these items are protected if they’re damaged or stolen.
Learn more about types of motorcycle insurance and how to determine your coverage needs.
What are the motorcycle minimums in my state?
Below is a chart showing the minimum required coverage for bodily injury per person, total bodily injury per claim, and property damage.
For example, the minimums required in Alabama are $25,000 for bodily injury per person, $50,000 for total bodily injury per claim, and $25,000 for property damage, displayed in the format 25/50/25.
| State | Minimum Coverage Required: Bodily Injury Per Person / Total Bodily Injury Per Claim / Property Damage |
| Alabama | 25/50/25 |
| Alaska | 50/100/25 |
| Arizona | 25/50/35 |
| Arkansas | 50/100/25 |
| California | 15/30/5 |
| Colorado | 25/50/15 |
| Connecticut | 25/50/25 |
| Delaware | 25/50/10 |
| Florida | Not required, but 10/20/10 is recommended |
| Georgia | 25/50/25 |
| Hawaii | 20/40/10 |
| Idaho | 25/50/15 |
| Illinois | 25/50/20 |
| Indiana | 25/50/25 |
| Iowa | 20/40/15 |
| Kansas | 25/50/25 |
| Kentucky | 25/50/25 |
| Louisiana | 15/30/25 |
| Maine | 50/100/25 |
| Maryland | 30/60/15 |
| Massachusetts | 20/40/5 |
| Michigan | 20/40/10 |
| Minnesota | 30/60/10 |
| Mississippi | 20/50/25 |
| Missouri | 25/50/25 |
| Montana | 25/50/20 |
| Nebraska | 25/50/25 |
| Nevada | 25/50/25 |
| New Hampshire | 25/50/25 |
| New Jersey | 15/30/5 |
| New Mexico | 25/50/10 |
| New York | 25/50/10 |
| North Carolina | 30/60/25 |
| North Dakota | 25/50/25 |
| Ohio | 25/50/25 |
| Oklahoma | 25/50/25 |
| Oregon | 25/50/20 |
| Pennsylvania | 15/30/5 |
| Rhode Island | 25/50/25 |
| South Carolina | 25/50/25 |
| South Dakota | 25/50/25 |
| Tennessee | 25/50/15 |
| Texas | 30/60/25 |
| Utah | 25/65/25 |
| Vermont | 20/50/10 |
| Virginia | 25/50/20 |
| Washington | 25/50/10 |
| West Virginia | 25/50/25 |
| Wisconsin | 25/50/10 |
| Wyoming | 25/50/20 |
When shopping for motorcycle insurance, make sure you compare policies and look for ones that provide adequate coverage at affordable rates. Remember, discounts may be available for completing safety courses, bundling with other insurance, or maintaining a clean riding record.
Good news: The experts at Guided Solutions can help with all this research, do the comparison shopping, guide you through the process and help you secure your motorcycle insurance policy in less than 24 hours.
Top tips for safer motorcycle rides
ALWAYS WEAR A HELMET
Your helmet is your most important piece of safety gear. It protects your head in the event of a crash and can prevent life-threatening injuries. Here’s how to choose the right helmet:
- Fit: It should fit snugly without being too tight. Measure your head and try several sizes.
- Coverage: Full-face helmets provide the best protection. Modular helmets are also a good option.
- Certification: Look for DOT (Department of Transportation) or ECE (Economic Commission for Europe) certification for assurance of quality and safety standards.
- Age: Regularly inspect your helmet for any damage and replace it every 5 years or after a significant impact.
NECESSARY RIDING GEAR
Beyond a helmet, wearing the right gear is crucial. A durable jacket, gloves, pants, and boots made of abrasion-resistant materials like leather or textile can protect you from road rash and impact injuries. Here are some tips for choosing riding gear:
- Jacket: Look for jackets with armor on the elbows, shoulders, and back. Mesh jackets provide breathability in hot weather. And motorcycle airbag vests and jackets have been known to reduce injuries in an accident.
- Gloves: Full-fingered gloves with knuckle protection and reinforced palms are best.
- Pants: Riding pants should include knee protection and be made from durable materials.
- Boots: Over-the-ankle boots with non-slip soles and reinforced toes offer the best protection.
- Reflective Gear: For all of the above, go for reflective qualities. It enhances visibility, making you more noticeable to other motorists, especially at night.
OBEY TRAFFIC & ETIQUETTE RULES
Obeying traffic laws isn’t just about avoiding tickets — it’s about staying safe. Here are some key rules to follow:
- Speed Limits: It’s so tempting to hit the gas, but you should always adhere to posted speed limits. Riding too fast reduces your reaction time.
- Signals: Car drivers are more attuned to car taillights than motorcycles, so always use turn signals to communicate your intentions to other drivers. Make sure they are not obscured by gear or mud and dirt.
- Lane Positioning: Ride in a position that maximizes your visibility to other drivers. And do not be that rider who weaves in and out of traffic. Nobody likes a showoff.
- Lane splitting or filtering: This involves maneuvering between lanes of slow-moving or stopped traffic to improve traffic flow and reducing the risk of collisions with motorcycle riders. Legality varies, so know the local law.
- Riding in Pairs: Riding side by side in adjacent lanes is usually okay as long as it doesn’t block traffic or break any laws. But it can be risky, especially in heavy traffic or at high speeds, because it limits how quickly you can react and increases the chance of accidents. To stay safer, it’s best to keep a good distance apart or ride in a single line when possible.
PRACTICE DEFENSIVE RIDING
Defensive riding means anticipating potential hazards and being prepared to react. Here are some strategies:
- Stay Visible: Use your headlight during the day, wear bright colors, and position yourself where other drivers can see you.
- Maintain Space: Keep a safe following distance from the vehicle in front of you.
- Scan the Road: Continuously scan your surroundings for potential hazards such as potholes, debris, or erratic drivers.
- Escape Routes: Always have an escape route in mind in case you need to avoid a collision.
BE AWARE OF SURROUNDINGS
Situational awareness is important for safe riding. Here’s how to stay aware:
- Mirrors and Blind Spots: Check your mirrors frequently and look over your shoulder before changing lanes.
- Road Conditions: Be aware of changes in road conditions, such as wet or icy patches, gravel, or oil spills.
- Other Vehicles: Watch for sudden movements from other vehicles, especially at intersections or in heavy traffic.
- Watch for non-drivers too! Anticipate the actions of pedestrians, cyclists, and animals, which can be unpredictable.
WHAT ABOUT THE WEATHER?
Weather can significantly impact road conditions and visibility, so adjust your riding techniques based on the weather conditions and always be prepared for sudden changes. Here’s how to ride safely in different conditions:
- Rain: Slow down, increase your following distance, and avoid sudden movements. Wet roads reduce traction.
- Wind: Maintain a firm grip on the handlebars and be prepared for gusts, especially when passing large vehicles.
- Heat: Wear breathable gear and stay hydrated. Take breaks to cool down if necessary.
- Cold: Dress in layers and ensure you have windproof and insulated gear. Maybe stay home if it’s snowing!
Motorcycle safety courses
Taking a motorcycle safety course is a great way to become a safer rider. Here’s why you should consider it:
- Expert Instruction: Learn from experienced instructors who can provide personalized feedback.
- Skill Development: Practice skills such as emergency braking, swerving, and cornering.
- Insurance Discounts: Many insurance companies offer discounts to riders who complete safety courses. Check with the experts at Guided Solutions to see what discounts are available in your state.
- Boost Confidence: Hands-on practice and guidance from knowledgeable instructors will help you course-correct habits you’re not sure about.
- Traffic Law Familiarity: Understand the rules of the road specific to motorcycles to ensure you ride safely and legally.
- Community and Networking: Connect with other riders and instructors, forming valuable connections and a supportive community focused on safe riding.
Finding and Enrolling in a Course
Many organizations offer motorcycle safety courses. Online classes provide flexibility and convenience, while in-person instruction offers hands-on practice and immediate feedback from experienced riders.
Look for courses that are certified by recognized organizations for the best training experience. Here’s how to find and enroll in a course:
- Local Resources: Check with local riding schools, community colleges, or motorcycle dealerships for course availability. Just Google “local motorcycle safety courses near me.”
- MSF Courses: The Motorcycle Safety Foundation (MSF) offers a range of courses for beginners and experienced riders.
- Online Options: You can take motorcycle safety courses online to learn the foundational knowledge, and then reinforce it with hands-on training in person. We’ve heard good things about motorcycle courses at Udemy.
Life is short. Buy the motorcycle and live your dreams.
While the thrill of riding a motorcycle is undeniable, safety has to always be the top priority, especially for new riders. Understanding your motorcycle, wearing appropriate gear, following traffic rules, practicing defensive riding, and taking safety courses are the basic steps to enjoying a safe and fulfilling riding experience.
Then get that bike insured! Choosing the right motorcycle insurance is key to keeping you and your bike safe on the road. Don’t stress about finding the perfect coverage—let us do the work for you!
At Guided Solutions, we just need a few details from you. Based on your answers, we’ll quickly find the best policy to fit your needs.
Start now with our easy online form, or talk to one of our friendly motorcycle insurance advisors at (833) 791-4719.