What you need to know about bike insurance premiums
Many will vote for riding motorcycles as a thrilling, refreshing experience; if you want to differ on this, either you are on wrong page or of wrong age! Any way, you will at least agree for sure that you cannot compare motorcycles to cars. Once you are fully aware of this, you can strike a balance and derive benefit when you decide on the insurance premium of your motorcycle.
When it comes to safety, there is no contest between an automobile and a motorcycle. In a car, your first line of protection is the metal shell that surrounds you and your passengers. If that’s not enough, you always have airbags and seatbelts on which you can rely. Motorcyclists are at much greater risk from the outside world. No matter how experienced a rider you may be, you cannot be completely insulated from the actions of less skillful drivers. Like it or not, these realities are reflected in the higher insurance rates charged to motorcycle owners.
The issue of motorcycle safety and the experience a rider has is a key factor in calculating the insurance premium. A young, well-experienced rider can expect a lower rate than an inexperienced one. As you age, become more experienced in riding and remain accident free you can expect your rates to drop.
It’s true that it’s fun to ride a motorcycle out where there is no traffic, but it’s no fun at all when caught in the middle of traffic. Motorcycle drivers are stressed when driving in the city. When using cars for commuting in the city and motorcycle only on the open road, you can benefit a lesser premium since less danger and fewer miles can lessen the premium.
Thieves find it easy to steal a motorcycle because of its nonexistent metal shell. Motorcycles are stolen even when they are locked and secured with the best gadgets. The bike accessories you buy to make a style statement and enjoy with your friends and cherish are stolen in no time. Therefore, the risk of theft factor rides the motorcycle premiums. Consider using an anti-theft alarm or tracking apparatus to bring down the premium.
This fact may be unknown to some but where you park your motorcycle can actually affect the rate of your premium. Having no garage or safe place to park your bike increases the risk for it to be stolen, so naturally motorcycle insurance companies will give a high premium for this reason alone, especially if the neighborhood is known for it’s high crime. The companies will also investigate where you park your bike when you are at work.
Insurance companies are not alike. You may be amazed at the different quotes you receive for the same policy account. For that reason it is imperative that you shop for the best deal on insurance. Those companies with the best reputations will certainly match a quote from another company. Insurance companies have some latitude in their negotiations. A shrew consumer will take advantage of this and minimize their premiums by decreasing their risks.
Visit Getinsurance.co.za to learn more about motorcycle insurance.
How To Grease Bike Wheel Bearings
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Yamaha FZR 600 Yellow Front Wheel and bearings 400 750 stunt street sport bike $49.99 |
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8 Pcs 7mm 7/25″ Diameter Steel Bearing Balls for Bicycle Bike $3.53 |
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Easton EA90 SLX Road Bike 700c Ceramic Bearing Wheels 2012 SRAM SHIMANO Wheelset $719.00 |
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Bike Hub Bearing Ceramic Premium ABEC-5 American Clas 130 Front Kit7658 $38.00 |
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Repairing Middle Axle Bowl w Bearings for Mountain Bike $7.25 |
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Bearing Top Nut Lock Nut Pit Bike Fork Stem Bolt Demon Ghost CRF Thumpstar $8.61 |
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Bike Hub Bearing Ceramic Premium ABEC-5 Bontrager Aeolus 6.5 Kit7658 17mm Inner $38.00 |
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Bike Hub Bearing Ceramic Premium ABEC-5 Sealed Bontrager Race XxXlite Kit7658 $38.00 |
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Bike Hub Bearing Ceramic Premium ABEC-5 Bontrager Xlight Front Kit7658 $38.00 |
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New IDIO MTB Bike Carbon Headset Spacers Bearing Black $39.00 |
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Rear-Wheel bearing seal kit for Yamaha bike $15.00 |
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“8 sealed bearing” 277g Super light sokin Black Road Bike Hubs 20/24 Shimano $98.99 |
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FLY BIKES RUBEN ALLOY SEALED BEARING PEDALS- NO LONGER MADE! SHIMANO DX TYPE BMX $24.99 |
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Replacement Parts 6mm Dia Bike Steel Ball Bearing $5.07 |
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VUELTA ZEROLITE MTB PRO 26″ Wheelset Mountain Bike Cartridge Bearings Wheels NEW $119.97 |
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(4) 5/8″ Go-Kart Mini-Bike Wheel or Jackshaft Bearings $5.95 |
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VUELTA ZEROLITE MTB PRO 26″ Wheelset Mountain Bike Cartridge Bearings Wheels NEW $1.25 |
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Bicycle Bike Cycling CNC 7075 Bearing Derailleur Pulley Jockey Wheel 11T Blue $9.95 |
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Bike Cartridge Bearing Ceramic Premium ABEC-5 ZIPP 808 Rear Hub Kit7657 $39.00 |
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Lot (10) 5/8″ High Speed Wheel Bearings for Go Kart, Lawn Mower Mini Bike 99502H $17.00 |
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Bearing Head Set for Road Bike $25.00 |
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2009 HONDA CBR600RR STARTER CLUTCH NEEDLE BEARING $14.65 |
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MINI BIKE ,BAJA DB30 DOODLE BUG ,FRONT TIRE/WHEEL ASSY W/Bearings & Axle Bolt $65.00 |
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HARLEY DAVIDSON SOFTAIL ALL BALLS SWINGARM BEARING KIT 00-08 MOTORCYCLE BIKE NEW $39.00 |
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ARCTIC CAT DVX 400 ALL BALLS SWINGARM BEARING BEARINGS KIT 04-08 ATV NEW $44.00 |
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CAN-AM DS450 450X ALL BALLS SWINGARM BEARING BEARINGS KIT 08-09 ATV NEW $44.00 |
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HONDA CR125 ALL BALLS SWINGARM BEARING BEARINGS KIT 89-92 ATV NEW $54.00 |
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HONDA CR125 ALL BALLS SWINGARM BEARING BEARINGS KIT 93-01 ATV NEW $54.00 |
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HONDA CR125 ALL BALLS SWINGARM BEARING BEARINGS KIT 02-07 ATV NEW $54.00 |
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HONDA CR250 ALL BALLS SWINGARM BEARING BEARINGS KIT 88-91 ATV NEW $54.00 |
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HONDA CR250 ALL BALLS SWINGARM BEARING BEARINGS KIT 92-01 ATV NEW $54.00 |
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HONDA CR250 ALL BALLS SWINGARM BEARING BEARINGS KIT 02-07 ATV NEW $54.00 |
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HONDA CR500 ALL BALLS SWINGARM BEARING BEARINGS KIT 89-01 ATV NEW $54.00 |
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HONDA CR80R CR85R ALL BALLS SWINGARM BEARING BEARINGS KIT 00-07 ATV NEW $45.00 |
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HONDA CRF100F ALL BALLS SWINGARM BEARING BEARINGS KIT 04-12 ATV NEW $42.00 |
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HONDA CRF150F ALL BALLS SWINGARM BEARING BEARINGS KIT 03-09 ATV NEW $44.00 |
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HONDA CRF150R ALL BALLS SWINGARM BEARING BEARINGS KIT 07-12 ATV NEW $45.00 |
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HONDA CRF230F 230L 230M ALL BALLS SWINGARM BEARING BEARINGS KIT 03-12 ATV NEW $44.00 |
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HONDA CRF250R ALL BALLS SWINGARM BEARING BEARINGS KIT 04-09 ATV NEW $55.00 |
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HONDA CRF250R ALL BALLS SWINGARM BEARING BEARINGS KIT 10-12 ATV NEW $55.00 |
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HONDA CRF250X ALL BALLS SWINGARM BEARING BEARINGS KIT 04-12 ATV NEW $55.00 |
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HONDA CRF450R ALL BALLS SWINGARM BEARING BEARINGS KIT 02-04 ATV NEW $55.00 |
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HONDA CRF450R 450X ALL BALLS SWINGARM BEARING BEARINGS KIT 05-12 ATV NEW $55.00 |
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HONDA CRF50F CRF70F ALL BALLS SWINGARM BEARING BEARINGS KIT 04-12 ATV NEW $44.00 |
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HONDA CRF80F ALL BALLS SWINGARM BEARING BEARINGS KIT 04-12 ATV NEW $34.00 |
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HONDA RANCHER RUBICON 350 400 500 ALL BALLS SWINGARM BEARINGS KIT 00-12 ATV NEW $34.00 |
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HONDA RUBICON 500 ALL BALLS SWINGARM BEARING BEARINGS KIT 01-06 NEW ATV $34.00 |
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HONDA TRX250EX RECON ALL BALLS SWINGARM BEARING BEARINGS KIT 97-12 NEW ATV $34.00 |
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HONDA TRX250X ALL BALLS SWINGARM BEARING BEARINGS KIT 09-12 NEW ATV $34.00 |
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HONDA TRX300EX 250X ALL BALLS SWINGARM BEARING BEARINGS KIT 87-08 NEW ATV $44.00 |
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Park Tool HHP-2 Bike Shop Bearing Cup Press NEW $208.95 |
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HONDA TRX 300P 300FW ALL BALLS SWINGARM BEARING BEARINGS KIT 88-00 NEW ATV $34.00 |
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HONDA TRX 300X ALL BALLS SWINGARM BEARING BEARINGS KIT 2009 NEW ATV $44.00 |
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HONDA TRX 400 FOREMAN ALL BALLS SWINGARM BEARING BEARINGS KIT 96-01 NEW ATV $34.00 |
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HONDA TRX 400EX 400X ALL BALLS SWINGARM BEARING BEARINGS KIT 99-12 NEW ATV $43.00 |
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HONDA TRX 450S 450ES FOREMAN ALL BALLS SWINGARM BEARINGS KIT 98-01 NEW ATV $32.00 |
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HONDA TRX 450S 450ES 500 FOREMAN ALL BALLS SWINGARM BEARING BEARINGS 02-06 ATV $32.00 |
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HONDA TRX 500 FOREMAN ALL BALLS SWINGARM BEARING BEARINGS KIT 07-12 ATV 4X4 NEW $32.00 |
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HONDA TRX 500 FOREMAN ALL BALLS SWINGARM BEARING BEARINGS KIT 05-06 ATV 4X4 NEW $32.00 |
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HONDA XR100R ALL BALLS SWINGARM BEARING BEARINGS KIT 85-03 ATV 4X4 NEW $42.00 |
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HONDA XR250R ALL BALLS SWINGARM BEARING BEARINGS KIT 96-04 ATV 4X4 NEW $52.00 |
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HONDA XR400R ALL BALLS SWINGARM BEARING BEARINGS KIT 96-04 ATV 4X4 NEW $52.00 |
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HONDA XR50R ALL BALLS SWINGARM BEARING BEARINGS KIT 00-03 ATV 4X4 NEW $42.00 |
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HONDA XR650R ALL BALLS SWINGARM BEARING BEARINGS KIT 00-07 ATV 4X4 NEW $54.00 |
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HONDA XR70R ALL BALLS SWINGARM BEARING BEARINGS KIT 97-03 ATV 4X4 NEW $42.20 |
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HONDA XR80R XR80 ALL BALLS SWINGARM BEARING BEARINGS KIT 85-03 ATV 4X4 NEW $42.20 |
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HONDA Z50 Z50R ALL BALLS SWINGARM BEARING BEARINGS KIT 73-99 ATV 4X4 NEW $42.20 |
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Vintage 20″ Inch Murray Bicycle Bike Crank Sprocket Pedals & Bearing Assembly $10.00 |
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“8 sealed bearing” 277g Super light sokin Blue Road Bike Hubs 20/24 Shimano $98.99 |
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PIT BIKE STEM TAPERED BEARING HEADSET 23.5 22.0 44.0 $18.99 |
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PIT BIKE STEM TAPERED BEARING HEADSET 23.0 22.0 44.0 $18.99 |
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HONDA MR175 Elsinore 1976-1977 DIRT BIKE STEERING BEARING & SEAL KIT $29.90 |
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265G RED XPEDO CF 07 XCF-07 BIKE PEDALS 3 BEARINGS $72.45 |
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Dorcus Cycling Bike MTB Bearing Headset Semi Intergarde 1-1/8″ 50 / 44mm Gold $39.00 |
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Dorcus Race Bike MTB Bearing Headset Internal Semi-Intergarde 1-1/8″ Violet $39.00 |
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9/16″ FOLDING BICYCLE BIKE PEDALS ALLOY & DOUBLE BEARINGS + CATEYE REFLECTORS $9.95 |
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Ceramic Bearing Bottom Bracket Integrated BB 68/73 SHIMANO MTB Bike – Red $65.55 |
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SUZUE Front Sealed Bearing High Flange Road Track Fixed Bike Hub 48 HOLE NEW BIN $29.00 |
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NOS SHIMANO DURA ACE 7410 ROAD BIKE CARTRIDGE BEARINGS HEADSET 1″ ENGLISH $70.00 |
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8 Precision Go-Kart Mini-Bike Wheel Jackshaft Bearings $16.95 |
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200 Pcs 4.8mm Dia Steel Balls for Bike Wheel Bearing $4.62 |
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STEERING STEM BEARING ,ALL BALLS ,NEW ,PART NO. 22-1004,FOR MANY JAP. BIKES! $22.50 |
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Chris King 1 1/4 No Threadset // Threadless cartridge Bearing Road Bike Cycling $22.27 |
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VUELTA ZEROLITE MTB PRO 26″ Wheelset Mountain Bike Cartridge Bearings Wheels NEW $22.50 |
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KINK BIKES SPANISH BOTTOM BRACKET—22MM ELECTRIC GREEN BMX CRANK BEARING KIT $27.00 |
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ANIMAL BIKES MID BOTTOM BRACKET–PURPLE 22MM CRANK BEARING KIT $25.00 |
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ANIMAL BIKES MID BOTTOM BRACKET–PURPLE 19MM CRANK BEARING KIT $25.00 |
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ANIMAL BIKES MID BOTTOM BRACKET–BLUE 22MM CRANK BEARING KIT $25.00 |
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(2) Kawasaki Bearings 21009-001 ATV Bikes Hub Crank NR $17.95 |
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HOTRODS MAIN BEARING KIT SUZUKI RM250 ’96-02 ATV MOTORCYCLE BIKE NEW $45.90 |
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CHRIS KING SEALED BEARING GRIP NUT TREADED 1″ ROAD OR MOUNTAIN BIKE HEADSET $10.50 |
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YZ80 (93-01) Suspension Linkage Relay Arm w/Bolts (low hour bike) GOOD Bearings $39.95 |
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Gold 1″ Inch Threaded Headset Road Bike Fixed Gear Sealed Bearing 110g $29.95 |
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Wetbike Wet Bike Ultranautics steering tube bearings bushings spacers $29.99 |
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Bike Wheel Bearing Steel Balls 9.5mm Diameter 30 Pcs $9.34 |
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Gold 1″ Inch Threaded Headset Road Bike Fixed Gear Sealed Bearing 110g $29.95 |
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SYLVAN LITE MICROBALL BEARING SYSTEM BIKE PEDALS CAT EYE TSC100 SNAKE STRAPS $19.99 |
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BLACK XPEDO CF 07 XCF-07 BIKE PEDALS 3 BEARINGS 255g $72.50 |
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Park Tool Wall Mount Bottle Opener $16.26 Park Beverage EssentialsCleverly disguised as a water bottle cage, the BO-5 attaches to any wall, workbench or cabinet and includes a handy water bottle style cap catcher… |
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KD Tools 2955 Beam Torque Wrench (0-60-Inch/Pounds 1/4-Inch drive) $37.50 Wrenches directly measure a variety of torque values when tightening fastenersPointer moves clockwise or counterclockwise to measure torque in English and metricSatin finish scale reduces glareInch – pound models feature ball – type handles that localize force, ensuring accuracyFoot – pound version has a comfortable, palm – fit handle to provide a natural grip for a smooth, accurate pullPalm – fit… |
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Park Tool Ratcheting Click Type Torque Wrench, 7 1/2-Inch $115.95 High quality, ratcheting, “click type” torque wrenches that accurately measure and apply the proper amount of torque to a component’s threaded fastener(s).Ratcheting 1/4″ drive with 3/8″ adaptorDial-adjust system allows desired torque setting to be preset3-15 Newton Meter range (26-132 Inch Pounds)19.5cm (7-1/2″) lengthProtective case includedItem SpecificationsTip Size1/4″… |
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Marathon Industries 01410P 11×4.00-5-Inch Flat Free Lawn Mower Tire with Smooth Tread – 5-Inch Centered Hub – 3/4-Inch Precision Ball Bearings $33.05 Low-Profile Flat Free Zero-Turn Mower Tire Made to Fit Your Needs! Our low-profile 11 x 4.00-5″ Flat Free tire has a smooth tread and is mounted on a 6″ steel rim and comes standard with a 5″ centered hub and 3/4″ precision ball bearings. Tire is made of solid polyurethane and is guaranteed to never go flat. Not for Highway Use. Improved Flexibility Smooth Tread Details: Low-Profile Flat Free Zero… |
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Ventra Pack 2-in-1 Chest Pack / Slim Shoulder Sling Messenger Bag $64.95 VentraPack positions frequently used accessories within sight so you don’t waste time un-strapping and removing your backpack to find your camera, sun-block, etc. while on the move. A zipper releases a drop-down work surface with a map window and comprehensive organizer to store items internally; optional modular exterior pouches are available to hold larger contents. How it works: VentraPack’s 4 … |
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Garmin GPSMAP 62St Handheld GPS Navigator $449.99 The newly designed GPSMAP 62st handheld navigator features a 3-axis tilt-compensated compass, a barometric altimeter, preloaded 100K topo maps and supports Custom Maps, BirdsEye Satellite imagery (subscription required) and photo navigation. Rugged and waterproof, GPSMAP 62st employs a quad helix antenna for unparalleled reception, has a high-speed USB connection, a sleek new design and connects w… |
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Suunto Vector Wrist-Top Computer Watch with Altimeter, Barometer, Compass, and Thermometer $219.00 An indispensable instrument for outdoor enthusiasts, the Suunto Vector wrist- top computer combines an altimeter, barometer, compass, and thermometer, letting you plan and execute almost any activity with confidence and safety. Regardless of your excursion–whether it’s climbing mountains, riding a muddy bike track, or skiing off piste–you need accurate, real-time information about your surroundi… |
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Razor A5 Lux Scooter $75.95 The Razor kick scooter has always been a favorite of all ages, but it hasn’t always been big enough for all ages. Enter the Razor A5 Lux, a deluxe-size kick scooter with extra-large 200mm urethane wheels. The wheels not only support more weight (up to 220 pounds), but they also require less work than smaller wheels. Now you can spend less time pushing and more time riding. The A5 Lux is also extre… |
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Razor Ultra Pro Scooter $59.95 Designed and tested by Team Razor pro riders, the Razor Ultra Pro scooter is built with durability and performance in mind. The Razor Ultra Pro is an updated version of the Razor Pro, and is based on seven years of rider feedback. The Razor Ultra Pro scooter is sturdy enough to handle all kinds of tricks.The scooter offers a 100-percent aircraft-grade aluminum body, a rigid down tube for maximum … |
