Cheap Stylish Motorcycle Clothing and Motorcycle Gloves to Keep You Safe

People all over the world are motorcycle enthusiasts, some even since their childhood, and they have never missed an opportunity to delight in this passion. Most of us have seen people cruising along the highways and roads on their bikes with great pride and gallantry. Motorcycle drivers are mostly chivalrous and confident. But to motorcycle drivers and riders ever consider the array of accidents which are inseparably linked with motorcycle riding? Motorcycle accidents are extremely common; hence, it is important for motorcycle drivers to equip themselves adequately in order to protect themselves. If you are a resident of the UK and enjoy riding your motorcycle, you should have motorcycle gloves and clothing that will keep you safe.

Motorcycle clothes and motorcycle gloves should combine style, protection and comfort. These types of clothing are meant to protect you from accidents. A biker requires a minimum amount of comfort to be able to drive at ease. The proper motorcycle clothing and motorcycle gloves enable bikers to ride comfortably in all types of weather conditions, even in the most harsh weather conditions. Whether it is rain or snow, good motorcycle jackets offer protection from water seepage and road burn if you fall off your bike and slide. Many bikers like donning the latest styles in motorcycle clothing and motorcycle gloves. Motorcycle clothes are not just meant to protect a biker and keep him or her safe; they are also an excuse for bikers to wear the latest items of fashionable clothing.

Clothes for motorcycle riders include a number of items from motorcycle jackets to motorcycle gloves. Biker jackets are the most important items in motorcycle clothing and they are manufactured of leather in UK. However, they are also available in nylon, which offers year round protection to bikers. Most of these jackets are manufactured in the UK in such a manner that they offer warmth during the chilly winter and protect from water during the rainy season. The jackets should be purchased only after proper measurements have been taken, unless the jackets are comfortable and accommodating the bikers will not ride comfortably. For bikers who indulge in professional racing, motorcycle body armour is a must. It acts as a shield and protects the back, chest and arms from injuries in accidents.

Motorcycle chaps are another important component of motorcycle clothing, it protects bikers from cold winds, dirt and dust. Motorcycle gloves are another important clothing item that bikers cannot avoid while riding on their bikes. Without motorcycle gloves, motorcyclists may fail to keep the grip needed to handle their bikes. Often the grip of the motorcyclist is compromised due to sweat, which causes her grip to slip. The last and the most important item of motorcycle clothing is the motorcycle helmet. Helmets offer protection to the head and face of the riders from injuries. Hence, a helmet protects the most important part of the body and is surely the most indispensable item of clothing that one needs to wear while driving a motorcycle. However, before purchasing a helmet, make sure that it is endorsed by the Department of Transportation. A DOT certified helmet ensures that it has passed the optimum stages of protection and the helmet complies with motorcycle laws.

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How To Get Approved For A High Risk Motorcycle Loan And Financing

Are you in the market for a motorcycle, but have bad credit and need a high risk motorcycle loan? Well don’t worry the goal of this article is provide you everything you need to know about getting approved for a high risk motorcycle loan.

First you must understand how motorcycle lenders go about classifying you as high risk. On the average, when a motorcycle lender is looking to approve any motorcycle financing they have a much higher cut off in the credit score range than an auto lender. This exists whether you have good or bad credit.

So with that said an auto lender may approve a FICO credit score of 610 as not a high risk, but a motorcycle lender would most likely classify a FICO credit score of 610 as a high risk motorcycle loan and may not offer an approval on it.

There are two reasons for this:

  1. Motorcycles are much harder to repossess in good condition than an automobile. As a result of this simple fact, if you default on your motorcycle loan it is a higher risk to the motorcycle lender than an automobile lender because it is much harder to repossess a motorcycle in good condition than a car.

With all the new motorcycle riders entering the industry there is a high incident of some form of minor or major damage on many motorcycles, which translates in to a lower amount per unit a lender gets when they repossess a motorcycle for a customer that chooses to get bad credit over paying for their motorcycle loan. The damage could be from the repossession agency or the actual owner but the simple fact is motorcycle fetch much less at repossession auctions than automobiles.

This simple fact is one reason good and poor credit motorcycle loans are offered at much higher interest rates than a car and has an overall lower approval percentages when compared with cars.

  1. The average motorcycle tends to depreciate very fast. Since motorcycles have higher accident rates and there are many people who once they crash do not pay off their loan, this results in higher defaults for motorcycle lenders. This is another reason motorcycle loan rates are higher and motorcycles are hard to get approved for.

Ok, now that you have a background in how a motorcycle lender views a motorcycle loan, let’s look at how you can get approved for a high risk motorcycle loan.

Step one is to really understand your credit report and credit score. Sure if you are looking for high risk motorcycle financing, you probably have had some credit issues in the past. But you never know how those credit issues played out on your credit report until you get a copy of it.

Take a look and make sure everything reported on your credit report is actually true. See every year 1000s of people just like you find creditors made errors on their credit report, which negativity impacted their credit score. If your FICO score shows a 610, but there is 1 error on your credit report you could easily raise your FICO credit score to 625 or higher by getting the error fixed. Always get errors fixed on your credit report before you submit a high risk motorcycle loan application.

Step two is to clean up your credit card debt. I know you are probably thinking I can not do this, but it can make a huge difference in helping you get approved for high risk motorcycle financing. See motorcycle lenders do not like to see your personal credit cards maxed out. Therefore, before you submit your application for motorcycle financing you should try to pay down your credit card debt. Even if you have to do it for the short term it can help you tremendously with getting approved.

For instance, if you have a 610 FICO credit score you will probably be declined if you have all your credit cards maxed out. However, if you are able reduce your credit card debt by 50% you stand a much better chance of getting approved for a high risk motorcycle loan. This is a simple concept but you will be surprised by how many motorcycle buyers fail to do this and never get approved.

Step three and the final step is too finally submit your motorcycle loan application. There are many lenders that specialize in high risk motorcycle loans. I recommend tying about 2 or 3 online motorcycle lenders and then move to your local credit unions or financing provide by the dealership such as Suzuki Finance, Honda Financing, Kawasaki Credit Card or the Polaris Star Card.

If you need help finding a network of motorcycle lender specializing in high risk motorcycle loans and financing, please check out high risk motorcycle loan guide. Jack Harmon has a background in consumer financing and is an editor at Motorcycle Financing Guide a website created by Jay Fran that specializing in educating motorcycle buyers about motorcycle financing, bad credit motorcycle loans, and how to get a poor credit motorcycle loan.

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Common Mistakes Motorcycle Buyers Make When Looking For a Motorcycle Loan

Whether interest rates are high or low or it’s the end of a model year with lots of incentives, motorcycle buyers tend to make the same mistakes when shopping for a motorcycle loan. Here are four common mistakes motorcycle buyers make with motorcycle loans.

Shopping for a motorcycle before shopping for a motorcycle loan.

Many motorcycle buyers enter the showroom looking for a motorcycle before they determine how much money a motorcycle lender is willing to loan to them for the purchase of a motorcycle. There is no need to shop for a $20,000 Harley Davidson motorcycle, if a lender is only willing to provide a loan amount of $10,000.

Additionally, once motorcycle buyers enter the showroom slick salespeople often pressure them into motorcycle loans with much higher internet rates than they could have gotten had they shopped for a motorcycle loan at a bank, credit union or online. Salespeople do not like motorcycle buyers to leave the dealership to get a motorcycle loan. In the salespersons mind this only increases the chance of losing a sale and commission. Therefore, salespeople frequently try for a quick sale which normally results in pushing motorcycle buyers to get motorcycle financing at the dealership.

The bottom-line is that it is always best to shop for a motorcycle loan before entering the showroom.

Diving into the unknown motorcycle loan.

Motorcycle buyers often jump into motorcycle loans that they do not completely understand or may not be the best alternative for them. For instance, in today’s age manufacturers frequently run credit card motorcycle loan promotions on their private-label credit cards. But these promotions typically offer a low interest rate for a short term like 12 or 24 months and have a much higher interest rate after the short promotional term. On a credit card promotion if motorcycle buyers can not afford to pay off the loan during the short promotion period, then they are typically better finding a lender offering an installment motorcycle loan for a longer term.

Borrowing too much.

The most common mistake the first time motorcycle buyer makes in not having a clear sense of how much motorcycle they can afford. This is especially true for young motorcycle buyers who look to buy the top sport bikes that cost up to $10,000 – $15,000. What they fail to realize is that financing a $10,000 – $15,000 motorcycle can stretch them to thin, resulting in them having little cash to enjoy themselves and the motorcycling lifestyle. They may also have too little cash to pay for insurance, maintenance, registration or new accessories for their motorcycle.

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Motorcycles Vs Cars: An Ongoing Debate

Although it is difficult to trace the first motorcycle back to its origins, the first prototype motorcycle came into being in Paris in 1867. It was little more than a steam-powered bicycle called a Michaux-Perreaux steam velocipede. Then in 1884, the first commercial design of a motorcycle appeared in England. This was a full two years before Karl Benz, of Mercedes-Benz fame, was credited with creating the first automobile that was powered by an internal combustion engine. It wasn’t until 1894, however, that Heinrich and Wilhelm Hildebran partnered with Alois Wolfmuller to create the first mass-produced motorcycle. It would not be until more than a decade later that the mass production of automobiles began.

There is a lot of information to be found about the development of the various types of engines that were tried before the internal combustion engine met with such great success. It’s a lot more difficult to track exactly how and why contention exists between many motorcyclists and automobile drivers. Even with well over a century of traveling the roadways together, there still seems to be those bikers who think that drivers needlessly endanger them, and there are those drivers who seem to think that bikers behave irresponsibly, not following the same rules of the road that apply to everyone else.

I have been riding a motorcycle for more than 15 years, and I have never had an accident. I understand the risks that I face when on a motorcycle, as well as the potential risk that my actions can pose to others on the road. Unfortunately, there is a small segment of motorcyclists who don’t take these things into account, and an equal number of drivers who consistently fail to provide motorcycles the latitude needed to remain safe.

Typically, motorcycles are faster than cars. This coupled with the sense of freedom that motorcycles afford make them inherently more dangerous than cars. Put someone with an invincibility complex on a bike, stir in a measure of the motorcycle’s added maneuverability, and you often end up with a jackass who weaves in and out of traffic, tailgates, or otherwise engages in reckless behavior.

Then you have to factor in the jackass drivers who often think that anyone on a motorcycle is an irresponsible jerk. This can be especially true for those judgmental drivers who have a skewed perception of motorcyclists who choose to adopt a “biker look.” Sadly, in this day and age of social diversity, there are still those who see some guy on a motorcycle with long hair and tattoos and automatically think, “Criminal!”

The responsibility for accidents that involve motorcycle is probably somewhere in between the two camps. The University of South Florida’s Center for Urban Transportation Research conducted a 10-year study that found that 60% of accidents that involve a motorcycle and a vehicle were the result of the other vehicle failing to yield the right-of-way. Before you motorcyclists do a little victory dance in your living room, you should keep a couple of things in mind. First, the same study showed that motorcycles have a much higher single-vehicle incident rate. Thirty-four percent of accidents that involve motorcycles occur with no interference from other vehicles. Secondly, a motorcycle doesn’t provide nearly as much protection to its operator as a car or truck offers. A motorcycle accident is 35 times more likely to result in a fatality, and nearly 90 percent of all motorcycle accidents result in injuries. This is 30 percent higher than the amount of injuries sustained in a car accident. Consequently, it doesn’t matter if you are right if you are seriously injured or dead.

These figures exist in spite of rigorous advertising through the use of billboards and bumper stickers to “Look Twice Save a Life – Motorcycles Are Everywhere.” They strongly caution us to watch out for motorcycles, and there is a good reason for that. The State of Florida bears the dubious distinction of having the greatest number of motorcycle fatalities. In fact, of the top seven Florida counties where motorcycle fatalities occur, three of them are right here in South Florida. This is in spite of the fact that State of Florida requires every motorcyclist to take a motorcycle safety course.

Those number aren’t, however, terribly surprising. There are more than a 500,000 motorcycles registered Florida, and thousands more who flock to the state to attend the multiple annual motorcycle enthusiast events held here. With wildly popular state-sponsored events like [email protected] and Daytona Bike Week, the number of motorcycles in South Florida can increase to astounding numbers thereby increasing the number of motorcycle-related accidents, yet more than 90 percent of motorcycle injuries that occur here involve Florida riders. Although the reasons for this fact are unknown, the message is abundantly clear. Both motorcyclists and those operating cars in Florida need to be more aware of, and more courteous to, each other.

For the record, it is illegal to weave in and out of traffic in every single state, with the exception of California. It may be tempting to try to negotiate through traffic when roasting in the South Florida sun, but keep in mind that if a police officer sees you, you will probably get a ticket for reckless driving which can be a third degree misdemeanor. Likewise, popping a wheelie, which every motorcyclist has done, will also result in a stiff traffic citation and four points against your license. In fact, the consequence of the first offense of popping a wheelie will result in a fine of $1,141 and a second offense will result in a fine that more than doubles that amount. Do it a third t

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The Perfect Motorcycle – Are You and Your Motorcycle Still an Ideal Match?

Standing in front of a sleek, well-appointed motorcycle, it’s very easy to be seduced by the shine of glistening chrome and the promise of adventure. But the relationship a rider develops with his or her bike changes – not only with the rev of the tachometer but also with the steady increase of miles.

Learning how to assess a motorcycle actually means learning how to assess whether a motorcycle is right for you. Determining whether you and your motorcycle are a good match requires that you ask the right questions about what you expect, what kind of riding you do and what level of motorcycle your current riding skills can handle. When you consider specific key qualities you will make better decisions about which make and model best suits you. This is invaluable when trying to determine if you’ve outgrown your current motorcycle or whether or not a different type of bike would be a better match for your riding style.

The four components for evaluating a motorcycle are: handling, comfort, dependability and, last but not least, overall sexiness.

Handling
A fine handling motorcycle turns power into grace. Handling is the ability to transfer engine output into an exhilarating sweep of forward momentum. However, no single motorcycle handles perfectly for every rider. Getting the most out of any bike is a matter of matching the rider’s experience and ability with the motorcycle’s technical capabilities.

There has been a trend toward bigger motorcycles. While large displacement motorcycles certainly have their place, this trend can be deceptive. Many accomplished riders still prefer the personality and nimbleness of lighter bikes. And novice riders should always start with smaller displacement motorcycles – 250cc or less. Besides what’s the point of owning the latest bike with the largest power plant if you’re only comfortable riding it slowly in a straight line?

Obviously an off-road rider will be looking for something different than someone who routinely chews up hundreds of highway miles. But a good indication of handling characteristics can be found in how well a motorcycle maneuvers at very low speed and how stable it feels at high speed. Solid, accurate shifting should be considered, as well as efficiency and sure-footedness in a hard breaking situation.

Comfort
All it takes to get a sense of a motorcycle’s comfort factor is to spend a day on it. Greater physical demands and exposure to the elements are part of the allure of motorcycling. But if you perpetually want to end your ride at the chiropractor’s office there may be a problem.

Basic comfort is mostly a matter of suspension and ergonomics. These factors are designed into the motorcycle’s intended purpose. A steeply angled sport bike, with its aggressive rider position is intended to offer speed and agility – not long distance comfort. Cruisers and touring bikes have a more upright riding position, longer wheelbase and more compliant suspension.

A motorcycle’s seat height can greatly affect comfort as well. The same low-saddled cruiser that easily accommodates a diminutive rider may severely cramp a taller individual. Again, it’s all about finding the right match. Fairings and windshields help avoid fatigue caused by wind buffeting. Perks like heated grips can also give a motorcycle’s comfort factor a boost.

Dependability
In motorcycling the trust between rider and machine is everything. Beyond the simple mechanics of starting, moving forward and stopping – an undependable motorcycle creates worry in the rider’s mind. It’s difficult to fully enjoy a ride if you are constantly concerned about whether or not you’re going to stall at the next red light. Preoccupation with your motorcycle’s performance is at the very least a nagging distraction and at most a safety hazard.

Motorcycle technology and machining tolerances have improved dramatically over the years. Still, engines leak and electronics fail. Some motorcycles are better than others at keeping their riders on the road. But if you have to cross your fingers and throw salt over your shoulder before starting your motorcycle perhaps you ought to think about finding a bike you can trust.

Overall Sexiness
It’s no secret there is more to motorcycling than getting from point A to point B. Sexiness is that hard-to-define purely emotional part of motorcycling. How it makes you feel while standing still as well as in motion. Remember how I said it’s very easy to be seduced by the shine of glistening chrome and the promise of adventure on the open road? Well if you have honestly assessed your motorcycle for handling, comfort and dependability and your motorcycle still makes you swoon… well… then you have found your match.

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