Insurance for Young Motorcycle Riders

OP-ED by P. Wimsett

(Note: the following contains information about insurance pricing from the customer point of view. It has not been evaluated by insurance professionals nor is it meant as insurance advice.)

For those who wish lower fuel prices and road tax a motorbike is preferable to a car, but if you are under 25 you can lose what you save in increased insurance premiums. Most people know that insurance for young motorcycle riders is expensive because they don’t have years of experience on the roads, or in life.

Age is not the only thing that means you will have to pay more for your insurance. Other factors include the make of the bike, the engine power (also known as the CC, the measurement between the bore and the stroke). The stroke refers to the rotating motion, or cycle of cylinders, which draw in fuel air mix and exhale exhaust. Engines tend to be either two stroke or four-stroke. The bore is the length of the cylinder. You will also have to pay more if you break the no claims bonus.  

A biker may ride any size of bike after passing his test. Moped users do not need any test at all, but it helps in terms in insurance.

So, ways to keep costs down include having a bike with a small engine, driving as safely as possible, keeping the bike safe and secure, and gaining advanced qualifications (check out the state laws).

Of course, wearing a helmet use to factor in insurance price, but now it’s the law pretty much everywhere. It is best to not to modify your bike (which might be described as “keeping a sensible bike” – rare is the motorcyclist who doesn’t wish to change things).

Also, be certain you added yourself as a named driver; because if you don’t state yourself as a main driver the insurer can refuse to pay up if you have an accident as they have no idea if it is your bike or not.

It is debatable whether it is worth increasing your deductible. Although payments are reduced, it does mean that if you do need to claim you will pay a higher share of it.

If you carry a passenger, you will need pinion coverage, so they are covered in the event of injury. As with any insurance peace of mind is all.

When obtaining a quote make sure you have all the details to hand, including your license number and in addition the number of your motorbike.

It is vital that you only pay for the cover you need: should you only drive on holiday for example or alternately for test drives, you should attempt to get temporary cover–there are specialist insurers who can do this for you. It’s advisable to look at comparison websites too.

Before you attempt driving another person’s motorbike make certain that you’re covered to do so, many people do not check these things. You don’t want to fork out for a new motorcycle hoping to save money and that may be the least of your problems.

Choosing a Car Tracker

There are so many different options for car trackers that it’s hard to obtain a complete picture of the technology and application. Some of them are useful, others might be charitably described as not fit for purpose. The smarter companies have decided to niche down to one market segment so they could better represent what they do for their customers.

Potential Purposes for Vehicle Tracking:

Why might you need a tracker? Well there are several reasons…

Assuring that a vehicle doesn’t get stolen.

  • The first thing that leaps to mind on the topic of car tracking, perhaps due to early offerings in the field like Lo-Jack.

Check that a troublesome teen is driving within the law.

  • Monitoring your teen sometimes means knowing where they are, but it can also mean monitoring how they’re driving. It’s possible to verify that your teen is driving within designated speed limits or using their vehicle within times you’ve allowed—like only during daylight on a school night. Teen

To keep tabs on an older relative.

  • Hopefully if your aging parents and grandparents aren’t able to safely operate a vehicle you or their doctor have already helped them stop driving. However, there are a number of seniors who can drive safely with a few accommodations. It could give you peace of mind to have a GPS tracking on their car so if they breakdown they can call you with their location. It’s possible that that they could suffer a heart attack or other life-threatening issue and not be able to tell you where they are. This service started with companies like OnStar, but have mostly transitioned to personal car tracking so that consumers don’t have to combine the expense of monitoring with the expense of roadside assistance.

Possibly it is used as a business investment.

  • Knowing what your employees are doing when they are out “in the field” or on delivery has become a standard. Some systems even monitor how you drive—like the ones for parents of teenagers. This is far superior to the old system of installing a governor to prevent workers from speeding in you moving van. It also lets you know if they’re actually going about the delivery rout you hired them to.
  • It’s not just about how they drive or do their job though. These monitoring systems keep track of the locations of major assets your company owns. This could be reflected in a discount on your insurance bill.

Tracking your Spouse.

  • Then there are people who wish to spy on a partner who may be having an affair or secretly taking drugs or gambling. It’s a personal choice and a tough issue to even address in a post like this, but it’s one way in which people use the technology and therefore some companies market to that purpose.

Desirable qualities in a Tracker:

Many of these systems do have some tethering, or connectivity problems. A 24 hour helpline is vital in order to deal with any difficulties – but these are common problems when you purchase a new device these days. When checking reviews, listen to what other people stay about helplines. How hard was it to get through to a person? Do they have limited hours as in they’re out of office whenever you need to locate your teen at a party they were grounded from?

In choosing a tracker look for ones who work with programs such as Google Maps, so you have a clear view where each vehicle is, from any google enabled device.

If you fear your car will be stolen and the license plate changed, opt for global coverage, in case the car gets shipped abroad.

Another feature to look for is whether you must check it or if it gives you push notifications. Spy Tec. For example, can be programmed to send you periodic updates and can be placed anywhere in the car. Marketing from the company states that the strong battery can last up to four weeks, which to be honest is a big consideration if you’re not wiring into the cars power system.

The MotoSafety Teen GPS, and Spy Tec for that matter, require a monthly subscription. If you research you maybe able to find ones that don’t have further payments once they’re installed.

The Drawback to tracking?

Using a tracker does indicate a lack of trust though. If your relative/employee/whoever needs to be tracked in this complicated way is it time to just have a tough conversation.

It’s also less expensive to do your own detective work if we are talking about a relative or a partner. In these days of mobile phone it’s getting exceedingly harder to keep things private, you might do a bit of snooping and learn the same information.

Monitoring your partner’s movements probably shouldn’t be a way of life, only a way to eliminate concerns. In a similar way, your teen is likely to move on from borrowing your car to driving their own vehicles so…do you really want to invest in buying and installing a tracker.

The most lucrative market for trackers must surely be commercial fleets. To think of it, it would be hard to run a cab business or any enterprise involving delivery vehicles without a number of tracking devices.

If you have a fear that your car will be stolen then a tracker is definitely for you but ultimately it’s all dependent on the car you drive—frankly you can just buy a car that’s less likely to be stollen.

The other difficulty with a tracker is that many you have to pay to install. Although many try a tracking device on the cheap, the easier it is to find the easier is it to dismantle.

Still it’s a developing market and if you feel your vehicle or group of vehicles need it, go for it!

Ways of Jumping Your Car

In the winter it’s important to that everything is working as normal. If it is not, you might walk out to your car one morning and find it doesn’t start. It’s especially likely on a very cold morning. There could be another reason for the drained battery, such as the lights being left on it, but whatever the reason, car batteries do get run down.

Warning! Not all Cars are Alike!

A word of warning though, it is vital that you check the procedure in your manual carefully before attempting it. What follows is merely a guideline, because auto makers sometimes crowd the battery into a space that won’t allow you to access both posts. So, you may need to verify the exact procedure for your model of car.

Also worth noting, you would not jump start an electric car, but if you are attempting to jump a car with an electric car, you’ll need to follow the specific directions for that vehicle.

Before attempting to jump a car make sure the battery isn’t completely dry, frozen, corroded, leaking, or damaged.

Never let the metal leads touch each other, and never hold the leads by the metal parts.

Procedure

Boosting a car battery (also known as a safety jump) is done by attaching red and black cables correctly. You may think that both sides of the dead battery should be attached to the live battery in the other car but if you do that it will cause an explosion.

  • First, clamp the plus (red) wire to the dead car battery by clipping it onto the metallic + post (aka terminal) at least 30cm up the post from the battery top.
  • Second, connect the plus (red) wire to the donor car (the live battery) by clipping it onto the metallic + post (aka terminal) at least 30cm up the post from the battery top.
  • Third, clamp the black, negative wire to the dead car battery in similar fashion.
  • Forth, clamp the black, negative wire to the live (donor car) battery.

You then start the engine of the car, obviously the donor car, and let it idle and feed electricity to the dead car’s battery for a few minutes. The car with the dead battery will not start straight away after a boost; it is more like a car starting in cold weather. If it still doesn’t start you may need to start pushing it, or revving the engine on the giving car.

There is a possibility for complications for the car which is being boosted, such as having their battery drained. It could even cause some kind of electrical issue with your battery. It is vital that you check the procedure carefully before attempting it.

The Electrical Charge Gauge

In some cars the dashboard may have a gauge for the alternator. This gauge will indicate what you might think of as electrical pressure (not a technical term), when a boost is taking place. These could be found in various places such as near the radio slot or on the “side pillar” near the driver. It is similar in looks to the speedometer. Functionally, most of the time you’ll easily start the car and not engage with this gauge, but if you aren’t able to start your car this gauge may help in diagnosis.

Turbo Chargers

Then there is the turbocharger. It consists of two small fans, one called the turbine and one called the compressor. To make things simple, a turbocharger steels the energy found in a crankshaft. Not all cars and trucks have turbochargers as they are rough on your fuel economy. They also make the engine much more complex than it would be otherwise.

Turbochargers are more typically found in sports cars, and race cars, but if you have one it makes it harder to get a jump.

Here’s The official Recommendation from The Kicker—carry a portable jumper with you, to avoid needing to jump a stranger’s vehicle engine to engine.

Marriage Cars

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Everyone knows or should know that when it comes to the big bucks, look at things like weddings. If you’re in the car business, this rule of thumb still applies. Rather than a more generic car rental or occasion car rental business. Although many of these companies are international, you can find different companies by stating your home city or the venue city you hope to get married in.

Compare wedding car rental firms; one in New York, one in Orlando and finally one in Texas. In New York ads feature brands such as Ferrari, Rolls Royce and Porsche. It is all about the luxurious experience, in the Big Apple. Orlando, however, uses a wider range such as motorcycle escorts and golf carts as well as limousines and sedans. Texas wedding car specialist have a larger selection than the one in New York, and included vehicles like Trolley buses and “San Francisco style” buses.

antique-16050_1920Smaller wedding car rental specialists stock vehicles for rustic wedding, which begs the question, are big players are missing a trick here?”

There is always space for novelty, for instance having your new surname on the license plate. The biggest place for novelty, and it goes without saying, is Las Vegas. It is not that hard to find companies which will escort you in monster limos (aka presidential limos), stretch trucks, English style Double Decker buses, vintage cars or even horse and cart. The weirdest transportation found for a Las Vegas event is a zip-wire, which begs the question: Why?

But going back to cars, an important insider tip is that they all seem to have cars in stock that you can’t find looking through their websites. It’s most likely the result of not keeping up inventory, but the lesson here is call or visit.

stretch-limousine-2714963_1920.jpgAnother helpful hint is to verify that the car you pick up to use is the car you selected online. Even if you’re happy with the switch see if you can get a partial refund. It is important that the driver’s gratuity can be part of the total invoice of your bill – helpful when you sort out your tax bill.

Additional time is possible, but may will add up. For example, one business quoted $175-$200 per hour. So, if your occasion goes on to the small hours or even continues over several days (as some weddings might do, especially for instance Indian weddings) this could send prices rocketing.

One factor some companies think of and others don’t is the addition of large umbrellas. This is a life saver in many cases. Ask if they’ll supply them if you suspect rain, if they don’t bring them yourself.

If you are getting married, congratulations on the happy event, however you get to and from the church, chapel or whatever…

 

Saving for a Car–Sage Advice Part 3

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Op-Ed by Paul Wimsett and AR Bunch

Following on from the information Sage Advice #2

A car is one of the biggest expenses we have at any one time and a source of constant frustration. Sure, home ownership will come with lots of things that need fixing from time to time, but cars are moving things full of moving parts. It’s a whole other level of ability to destroy itself from the moment you buy it.

Good advice starts with this…get a high yield savings account especially for the car and label it, “fix or replace.”

You may decide to trade-in your current car, or sell it for cash, to help with the down payment for the next car, but that’s not adequate. You don’t want to be financially destroyed by unexpected auto breakdown. These things happen at the worst time.

Searching the market to get the right account for this. It might seem over-cautious but owing for a car is one of the ways that debts accumulate over time. No one here is legally qualified to give you financial advice, but we’ve done enough research to know that savings accounts do exist, that give a slightly higher interest rate in exchange for limiting the number of times you can access it per year. That’s what you want.

Putting as much down as you can will reduce your monthly payment, which is turn lets you squirrel away a little bit toward your next down payment. The idea is to turn some of the money you pay in interest on a car loan into money you’re paid interest on when saving toward your next car loan.

Obviously your going to potentially dip into this account for big repairs but that’s not something you can include when doing the math. (Just consider the decision to fix your current car as delaying the purchase of the next car so your adjusting the timetable buy the amount you’re taking out of savings now.) So for the purpose of doing the math work only with saving toward your next purchase.

Doing the math:

A quick word about maintenance; you should try to keep your car at least five years, which shouldn’t be difficult with regular oil changes and tune ups. (Do not take oil changes/tires/gas etc out of your repair fund—those are operating expenses.)

percent-226316_1920Even though your car SHOULD last five years, assume that you’ll need at least the down payment for new one in two years. There is no telling what sort of car you’ll buy in two to five years, or what it’ll cost, so look at the newest model of the same car you own now. What’s the price of a 2020 Honda Civic, for example? $21,650

What’s price will that car be when you buy it 3 to 6 years from now?

Some models depreciate better or worse than others and an individual car might fair worse than others of the same model. Most cars depreciate about 20% in the first year and 15% each year after that so that 90% of the value is gone in 10 years.

At this rate our Civic should sell for about…

2023 $12,514
2024 $10,637
2025 $9,042
2026 $7,686

The fast way to double check the numbers is to compare to KBB.com when the time does role around. But for the sake of pedicting we’re we’ll use these numbers.

Price will have fallen in half by the year 2024 which is why we’re recommending buying a car 3 to 6 years old. Whenever possible put 20% down and take out a 60 month or shorter loan.

$10,637 x 20% = $2,128

To save that in 2 years just divide it by 24 months = $88.65/ month.

Other Car expenses:

Look to budget for car-related expenses, insurance, roadside assistance, taxes & registration and so on. What is the best way to pay these bills? Would it work out cheaper monthly, quarterly or yearly? Obviously the bills come when they come, but be sure to increase the size of your regular savings to account for saving toward those expenses.

Try to limit your expenses, which is easier to say than to do! Experts we know say that household accounts are where money tends to evaporate and your efforts will be in vain if you leave the heat up on vacation, etc.

Secrets to Saving:

The secret to success is automating your savings. This sounds a bit glib, but there are ways your bank can automatically move money to saving each month so you don’t have to think about it.

Know the bank’s rules on overdraft should you have to take one out.

Other sources of Money for a Car:

Some folks have been able to take out a second mortgage, leveraging the equity in their house instead of financing car? The logic behind this, is that borrowing larger amounts of money results in a lower interest rate. On the downside, your house is essentially securing your car.

As we mentioned in part one of sage advice, if you are buying your first car, you’re probably involving “the Bank of Mom and Dad,” but beware of the stress in family loans can put on relationships. Find out how much are they willing to spend and ask if they need something in writing?

Overall Budget Considerations:

Experts say you shouldn’t spend more than 20% of what you take home on your car. You might have to play this one by ear though, for a low paid job 20% might not be a lot.

Keep in mind cars are a handy tool, but a terrible investment. So don’t make sacrifices to have a nice car. A lot of this advice has been boring common sense, more than sage advice, but it’s a good idea to think logically about cars.

First Car Buying–Sage Advice Part 2

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Op-Ed by Paul Wimsett and AR Bunch

As a follow up to the last article, what’s the best standard advice or conventional wisdom around what car to buy, as a first car. Well, if you are a teenager with an unrealistic sense of financial responsibility (which is actually a trend these days), then we do have some advice for you.

If you chose a car that has sold well for a long time you’ll probably find a make & model that hasn’t built a bad reputation and you’ll be able to find parts for it for many years.

You should also think about buying a car that’s already been broken in, and lost the rapid depreciation you get when a new car is now slightly used. So right now you’re looking for model years 2013 to 2016. If you have a good steady job, try to buy them 3 years old and sell them at 6 years old. The best selling car by year were:

Best Seller 2012 & 2013

#1
Ford F-Series
763,402 645,316 18.3%
#2
Chevrolet Silverado
480,414 418,312 14.8%
#3
Toyota Camry
408,484 404,886 0.9%
#4
Honda Accord
366,678 331,872 10.5%
#5
Dodge Ram
355,673 293,363 21.2%
#6
Honda Civic
336,180 317,909 5.7%
#7
Nissan Altima
320,723 302,934 5.9%
#8
Honda CR-V
303,904 281,652 7.9%
#9
Toyota Corolla/Matrix
302,180 290,947 3.9%

Chart by Good Car Bad Car

Best Seller 2014  & 2015

#1
Toyota Camry
429,355 428,606 0.2%
#2
Toyota Corolla
363,332 339,498 7.0%
#3
Honda Accord
355,557 388,374 -8.4%
#4
Honda Civic
335,384 325,981 2.9%
#5
Nissan Altima
333,398 335,644 -0.7%
#6
Ford Fusion
300,170 306,860 -2.2%
#7
Hyundai Elantra
241,706 222,023 8.9%
#8
Chevrolet Cruze
226,602 273,060 -17.0%
#9
Hyundai Sonata
213,303 216,936 -1.7%

Chart by Good Car Bad Car

Best Seller 2016

  1. Ford F-Series: 820,799. +5.2%. Ford.
  2. Chevrolet Silverado: 574,876. -4.3% …
  3. RAM Trucks: 489,418. +8.7%. …
  4. Toyota Camry: 388,616. -9.5%. …
  5. Honda Civic: 366,927. +9.4%. …
  6. Toyota Corolla: 360,483. -0.8%. …
  7. Honda CR-V: 357,335. +3.4%. …
  8. Toyota RAV4: 352,139. +11.6%

So putting it all together the first thing you’ll want to do is decide if you want a truck or a passenger car, but that’s a topic for a different sage advice post. For now lets ignore the trucks. The list really looks more like this…

#1 Toyota Camry

Tie for #2 Toyota Carolla & RAV4, Honda Accord, Honda Civic, Honda CR-V, & Nissan Altima.

There is one other factor, which is expert opinions on what was a good buy at the time. Without taking time to justify this opinion, since it is an “Op-ED” lets include the chronically under-rated, Ford Fusion, Hyundai Sonata & Elantra.

Now that you have a list or potentials, you need to start test-driving. This is where it gets dicey. The best way to test the cars you might want is to go to a car lot determined not to buy. (Literally, come up with some terrible thing you will do to punish yourself if you break down and buy something and tell a friend about it.)

But go where all the cars are and sit in them to figure out what fits you. That way you have narrowed it down to just a couple models and a small age range when you start looking for the right deal to make.

Once you have picked the right model and year you’re ready to establish the right price. This is easier than ever, fortunately, and it doesn’t require knowing a car curmudgeon like us. Any car is a good deal, depending on your needs and abilities. Can you fix minor problems yourself? Is your job one that will let you come in a little late if you get broken down unexpectedly. Really, you want a safe car, but maybe you can skimp on the super safe features a little because you’re a teenager who hasn’t learned that life is a thin flame in a hurricane of wind and rain.

money-1425581_1920Then its just a question of paying the right price for the exact vehicle. What makes it a bad deal is paying what comparable cars are worth when the car before you is not a good representation of that model. There is only one way to know the car you’re buying is priced right, and that’s getting it inspected. You need an expert who works for you, not the car lot, to examine the vehicle.

Its unbelievable how compelling car dealerships make it sound that they have inspected the vehicle and wouldn’t sell it if it weren’t good. Of course they inspected it. Of course they got rid of the junk. They bough it blind at auction! The first thing they did is check to see if they got a steal or got burned. Of course they turned around and re-auctioned the worst of the ones they bought. None of that means the car they kept is priced accurately for the condition its in! It helps a little if they give you a year warranty, but lets be real, they tend to warranty the parts that aren’t likely to go out or that their mechanic can visually inspect. It’s your job to know what you are buying. Don’t skip parts of the process because the dealer makes you feel foolish for asking.

Back to the question at hand, how do you know the right price? A good inspection service will come to the dealership or home of any car publicly listed for sale and inspect the car. It’ll include a test drive. It’ll also include a the use of carfax and other internet investigation which examines the history of the car, with KBB.com to show where that particular car lands compared to other cars of its make and model, that have sold locally, in the recent passed. Its the combination of all the information that can give you the actual value of the car before you–which is powerful information to have when negotiated the price you want to pay.

Look for Next Monday’s Sage advice to learn about cars and savings.

The First Car Buying–Sage Advice Part 1

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Op-Ed by Paul Wimsett and A.R. Bunch

Let us talk directly to some of you on those of you late teens for this blog, with the voice of a couple car experts instead of your over-protective parent…which I’m sure have already weighed in.

There comes a point in your life as a teenager where you have “come of age” and require your own mode of transport. Though you may be tempted to look for a sports car, or even something like an SUV these aren’t recommended. Just like your “rents” have been preaching, the best type of car is a simple, late model, mid-size passenger cars. Here’s why…

This is about more than just trying to break away from being ferried around by our parents. It’s bigger and more symbolic than that; it’s a machine which can take you (within reason) wherever YOU want to go. Instead of, stand here at this time and I’ll get you, it’s be home by a certain time. The subtle difference is huge because now you are responsible for everything it takes to hit the mark and all the free time that responsibility creates. Therefore, the fastest way to more freedom with your car is to impress your parents with your car buying decision.

Making a good choice in purchase:

What you might not immediately consider are airbags but if you are learning to drive, they are definitely a good idea. Go for side air-bags as well. You might also look for an anti-lock braking system, just to be on the safe side. When you voluntarily pick a safe car, it signals your parents to worry less about you.

The first car might be one that we stick with quite a few years. After all, how long will it take before we can afford a new one? That being the case you can’t just buy the cheapest car you see, chances are that it will only break down. No, it needs to be relatively inexpensive, but operable.

You can avoid a lot of haggling with pros (car dealerships) by shopping private sales online. To avoid scammers, robbers, and worse kinds of creeps, mention that you’re going to have the car inspected by a mobile service like Tire Kickers. Be ready to pay in cash to make the purchase a simple transaction and bring someone with you who has some life experience. (Aunt Sally the x-marine will do nicely).

Obviously, never digitally hand over a deposit for a car you haven’t seen, just because the guy says he’s had a lot of interest—there’re actually a lot of decent cars out there so don’t worry.

Here are two pieces of advice that will serve you well in life–Don’t show your fear & haggle a little. There seller probable has more experience buying/selling cars that you do, but they don’t know that for sure until you open your mouth. Just nod and agree with what they say, and if the amount’s too high and they won’t haggle, the best thing to do is move on. Always haggle a little, because it actually reduces the remorse after the fact—wondering if you over paid. Just because they’re asking more than the car is worth doesn’t mean they need to come down in price, they might fail to sell it to several more people before coming to that conclusion. Sales fall through for dumb reasons all the time. Don’t let it get you down, just move on to the next car.

You’re probably noticing a theme to this section—don’t fall in love with the car before you buy it. That’s literally the job of a car salesman at a car lot—get you to fall in love with it before you talk money. So think logically about your car until you own it, then fall in love with it.

Is color important to a car? NO! go back and re-read the last paragraph! Holy cow, did you already forget the lesson. If you’re excited about the color you are not buying right. Look at the engine, the interior, the acceleration, the fuel economy, how suitable a car is for your needs. Then you can work out if it is the right color or not. (One exception: you can turn a car down if the color is too awful.)

What your Parents Aren’t Thinking:

Most teens assume that their Mom or Dad is primarily concerned with price. They don’t want you to overpay, but they don’t want you to drive an ancient gas guzzler either. Sometimes you might have to adjust your ambitions. Don’t worry about your parents; it’s probably you who will have to keep up with payments.

I know we just said to pay cash for the car, why are we talking about payments?

There is a way to finance a car and pay cash if you can pull it off. Some of the smartest teens we’ve interviewed were able to make an arrangement with their parents. They worked and saved up most of the down payment for their vehicle purchase. Then they looked around for the general type of vehicle they wanted and went to their parents with an offer. Match the down payment and co-sign a personal loan. This sort of loan isn’t tied to the vehicle. If you stop paying your parents will have to make the payments. Many banks won’t consider an unsecured loan because they want the title to the car as collateral, but with your parent’s signature and a sizable down payment some of them will. This allows you to take the amount of money you need out of the loan to buy the car in cash.

Paying cash gets you the best price on a car, usually, and by owning the title you can potentially reduce the cost of your insurance.

The key here is picking a car that your parents are impressed that you chose and try and keep to any agreed budget.

Good luck in buying your new car and here’s to safe driving out there.

PS if your parents don’t agree to help you buy a car you have only two recourses. 1) find ways to get better grades, a promotion at your job, and act more responsibly. 2) use your down payment money to buy a motorcycle…your parents will change there mind about the car…

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