Originally posted by Loud412
I imagine this isnt your first bike though.
I imagine this will be your first? Do yourself a favor and hold off on that brand new bike. While I don't think the insurance companies take into account the years of motorcycle experience you have, they do charge you more for newer bikes. The more it will cost them to total your bike if you crash, the higher will be your premium, right? Also, they will use your age to consider the risk factors. Older=cheaper insurance. Married=cheaper insurance. Home + auto with the same company = cheaper motorcycle insurance. State Farm=cheaper motorcycle insurance.
I am still riding out my first bike, and probably will for some years to come. That's just a financial fact for me. The bike has been dropped at least 5 times since I started riding it, 2 of those times by my wife. I just know how salty I would be if the bike was not around 10 years old and did not have previous scratches and dents. I've been able to kick it, cuss it, and spit on it each time it fell, then pick it up and keep riding it. I'm yet to spend any money to cover up the damages. The most effort I spent was to straghten out the turn signal that got bent. Sure I'm a chepskate and perhaps I should take more pride in my bike's appearance. But, then again, I only pay $73 per year with liability-only coverage, and I ride the shit out of my bike every chance I get, and I have little to complain about.
Did that make any sense?
Sideways, I don't believe the insurance takes into account the number of your kids. I do know that it makes a difference to me when I think about doing something really stupid. Sometimes, anyway...