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Discussion Starter · #1 ·
Hey all, just sold my 2009 lancer gts due to insurance and costs being way too high. I was caught street racing along with a DUI. So I was paying about 600/month for insurance.

The interlock requirement drops off this April which is just in time for summer. Just wondering if anyone has any knowledge of how much I should be expecting to pay for a ninja 250 or 300. Have not decided what one I will be purchasing yet. New to riding 155lbs and got a need for speed

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Sorry to hear about your bad record. I don't have any idea about where you will fit when it comes to insurance either. A word of advice ... Having the 'need for speed' on a lancer differs from one on a moto. One has a seat belt and the other has death. Be careful.

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Discussion Starter · #3 ·
Thanks for the advice. Will be sure to take the learning curve seriously. Just wondering if using a bike can be a mode of transportation over a car. Purpose of getting a bike Is to save money + have a little more excitement but still allowing me to get to my destinations around the city. I hear a lot of people calling this a sport.. I am looking at it more as an alternative option

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Discussion Starter · #5 ·
Haha I'd probably avoid that as much as I can. The roads in my city are not exactly great. Does that make a big difference? I'm in Canada so I do need to find a solution for the winter time.

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Not sure where you are in Canada, but the street racing charge makes me guess Ontario. I'm pretty certain that if you have convictions for racing and impaired, you'll find insurance on any MC, even a 250, to be very high. And factor in that you'll be paying insurance all year long for a riding season that usually only 7 months.

If you can get an affordable insurance rate, a bike will cost less to purchase and fuel than a car. And with some cheap saddle bags or even a good back pack (saddle bags would be more comfy) you could get lots of use out of it in place of a car (most of the year). Just need some rain gear and a good attitude.

Good luck in your search.
 

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Discussion Starter · #7 ·
Thanks for the heads up. Is there any way to get around the insurance ? Perhaps get the bike in someone else's name? Whole point of this is to save money in a bit of style along with finding a new love for riding. Let me know your suggestions. Also.. If I were to ride a bike I. Someone else's name will they require their m license?

And yes I'm in ontario

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Insurance companies are pretty savvy and there are many blocks in Ontario that will limit what you are suggesting - riding a bike registered under someone else. Some of these are legislated in law (under the Compulsory Automobile Insurance Act) and some are built into policy by insurance companies.

Yes, you can ride an MC owned, registered and insured by someone else. Yes, that person would have to have a valid M class licence to own, register and insure a bike. The owner is then covered if they loan you the bike as an Occassional Rider. Under standard polices, this can only be done if you are over 25 years old and do not share a residence with the bike owner. (This prevents parents from owning and insuring an MC at a lower rate for their young son or daughter to ride). Also, the owner who is loaning you the bike as an Occassional Rider would be at risk of greater liability if you had a collision/charge/claim and the insurance company learned that you were more than just an Occassional Rider and were in fact using the bike daily. This could range from policy cancellation and non payment of claims to criminal charges for (insurance) fraud.

Look into it very carefully, find out some quotes on a small CC used bike, decide what you can afford. At this point in your driving/riding career, you need to rebuild some reliabilty, have yourself insured and follow all the rules for a few years to re-build your rating with the insurance companies and MTO, and put some years between yourself and any driving offences. It takes time.
 
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