Binance Review 2018: Comprehensive Crypto Coin Exchange
Binance is a Chinese cryptocurrency exchange. Binance was created after attracting funds via an ICO (Initial Coin Offering – creating a new digital asset, backed by the project. Changpeng Zhao, former CTO at OKCoin is currently at the helm of Binance. They are known for fast processing speeds coupled with an ability to process enormous numbers of transactions (1.4 million) each second. It’s been quickly gaining ground in market share cementing a place as a top 20 exchange in terms of volume.
Binance transaction has reached a new level and currently score tenth place in the world. Binance offers a generous daily withdrawal limit. They don’t need identity confirmation when the per day remittance is within limit of 2 BTC.
Binance Features
Binance’s trading platform is web-based. Furthermore it offers two distinct trading layouts, a more simple one and a “Pro” version.
Their ICO has created tokens named BNB that are traded on the exchange. They can also be used as a method of paying your trading fees, which will reduce them by 50%. Binance offers their own startup incubator platform as well. The trading functionality of the platform was of more interest so we focused on that for the purposes of this Binance review.
Below is the “standard platform” look:
Below is the advanced display:
BINANCE Advantages
Large Cryptocurrency Pairings Supported
The competitive advantage of Binance’s platform is the ability to trade every major cryptocurrency pairing in existence. Coinbase and Gemini only offer trading of a handful of the larger market capitalization cryptos, whereas Binance allows users access to trade over 100 crypto coins.
Low Fees AND LIMITS
The fee structure is simple as well as being priced. There is a flat 0.10% fee on all trading. The 0.10% fee on trades is one basis point. If you were to buy a cryptocoin at 100 you’d have to sell it higher for 101 to profit.
Ease of Setup
Setting up an account is straight forward, similar to signing up for an account with other service providers. Another advantage is there is no lengthy waiting time, users are able to get setup and running within minutes. This is due to the fact that fiat is not accepted on the exchange.
Binance Provides Significant Trading Volume
Binance is currently the third largest exchange by cryptocurrency trading volume, according to coinmarketcap. At the time of writing, Binance’s volume was an astounding $5,441,711,452 in the last 24 hours! This volume demonstrates their users clear trust in the exchange, as well as the accessibility of the exchange and ease of transacting. This type of volume requires substantial servers and computational power.
Wide Support of Cryptocurrencies
No Verification Requirements
Binance doesn’t require identity confirmation in instances when the per day remittance is within the limit of 2 BTC. The attractiveness of setting up an account with Binance may be greater for a user in a jurisdiction where certain exchanges choose not to allow new users because of restrictions imposed by that location’s governing regulatory bodies.
Ease of Use
You’re able to buy and sell crypto pairings with market or limit orders while specifying the amount or percentage you wish to trade for each transaction.
BINANCE Disadvantages
No Leveraged Margin Trading
Margin trading is not available at Binance. Margin trading is a system which allows you to trade with more money than you actually have in your account. Your balance is then used as a guarantee to maintain your position open.
No Fiat Functionality
This has both advantages and disadvantages. Government fiat deposits are not currently enabled in Binance, instead this exchange focuses only on the digital side of things. Clients can deposit and withdraw the coins supported at the exchange. This means that you’re not able to deposit or withdraw in fiat currency, only cryptocurrency is supported.
Relatively New
Binance was started in only July 2017, according to this Reddit post. This is a major concern, as they don’t have a history. Despite all the good things people are saying on Reddit. it’s worth mentioning as many exchanges have come and gone. Binance appears to have a visible co-founder, unlike BTC-E.
Conclusion
Accessible option for obtaining Different Cryptocoins
Binance is the most rapidly-growing and communally praised cryptocurrency exchange available. It’s China based location may spell issues in the future due to rumors of a “crackdown“. that currently accounts for a large amount of volume. Although Binance targets high frequency traders, it is quite useful for those getting beginning with altcoin trading. Their lack of fiat money deposits may be difficult to swallow for beginners, only supported cryptocurrencies may be deposited. Binance boasts a large number of various cryptocoins for trading.
The main benefit is the ability convert between cryptocurrencies. For instance exchanges such as Coinbase and Gemini are more limited in the number of cryptocurrencies offered. The interface is also conducive to support shorter duration hold time day trading of cryptocurrencies if one were so inclined to deploy that strategy. Binance is an exchange worth looking into and integrating into crypto trading just for their large amount of supported crypto coins.
Dirt bikes are generally covered under standard motorcycle insurance policies. There are a number of differences between dirt bikes and motorcycles, but they are similar enough that each vehicle is eligible for the same coverages and discounts.
Is Dirt Bike Insurance Required?
What Dirt Bike Insurance Covers
How Much Does Dirt Bike Insurance Cost?
Dirt Bike Insurance Discounts
Are Dirt Bikes Covered By Homeowners Insurance?
Is Dirt Bike Insurance Required?
It depends on where you live and ride. Some states, such as New Jersey, require all dirt bikes (and ATVs) to be registered and at least have bodily injury and property damage liability insurance. In states that do not require dirt bikes to be registered or insured, riders might still have to show proof of insurance to ride in certain areas, such as state-owned parks or commercial properties designated for riders.
However, regardless of local requirements, dirt bike owners should strongly consider purchasing insurance to cover their bike and anyone who rides it. They are vehicles primarily designed for recreation but can be potentially dangerous, especially for inexperienced riders. There’s also a chance you might injure someone else while riding or that your dirt bike is stolen. The good news is that dirt bike insurance (via motorcycle insurance policies) offers coverages for a variety of situations.
Is a Dirt Bike a Motorcycle?
A dirt bike is a type of motorcycle. Much like cruisers or choppers, dirt bikes have two wheels and an engine, making them by definition motorcycles. What differentiates dirt bikes from other types of motorbikes is that dirt bikes are lightweight and designed for off-road riding. In fact, some states have laws against riding a dirt bike on public roads. Regardless of whether your dirt bike is street legal, companies typically offer dirt bike insurance under a motorcycle insurance policy.
What Dirt Bike Insurance Covers
Since most motorcycle insurance policies cover dirt bikes (as well as mopeds and scooters), the same coverage is available for the all-terrain vehicles. Basic dirt bike insurance policies include bodily injury and property damage liability coverage but there are a number of other optional coverages dirt bike owners should consider purchasing.
Bodily Injury and Property Damage Liability: These two coverages are included in every dirt bikes insurance policy. They cover any injuries or damages the rider causes to other people while operating their dirt bike. Bodily injury and property damage coverages each have their own claim limits – the maximum amount of money an insurance company will pay out for a claim.
Dirt bikes are fun and others might want to ride yours – with or without your permission. It is important to remember that whether someone has permission or not (such as a neighbor’s kids), the owner of a dirt bike could be liable for anything that might happen to them. The only way to ensure you’re protected from any serious financial consequence is to insure your dirt bike with these coverages. Dirt bikes are typically not allowed on streets, so while property damage claims might seem less likely, they can easily happen. A dirt biker might accidently ride somewhere they aren't permitted and damage a trail, lawn or crop they are then responsible for repairing.
Medical Payments (Optional): This coverage pays medical bills for you (the rider) and any passenger in the event you’re injured on your dirt bike. The coverage applies to any incident, regardless of who is at fault, and can act as supplemental coverage if a rider meets their health insurance coverage limit. While head injuries tend to more severe, some of the most common dirt bike injuries are to knee ligaments, shoulders, collarbones and ankle and wrist sprains. These types of injuries would be within the scope of your dirt bike insurance policy.
Collision And Comprehensive (Optional): Whether a rider collides with another vehicle, object or a rough patch of terrain, collision coverage will pay for those damages. Comprehensive coverage will pay for damages related to almost anything else, such as flooding, fire and theft. If a rider purchases collision and comprehensive coverages they choose a deductible for each one.
Collision and comprehensive coverages are ones every dirt bike owner should consider if they use their bike for more than leisurely activity. For example, if a farmer or rancher uses their dirt bike to traverse their own property, it’s more important that bike is repaired or replaced as quickly as possible.
Uninsured/Underinsured Motorists (Optional): Sometimes shortened to UM/UIM, this optional dirt bike insurance coverage protects riders and their dirt bike. In the event an uninsured or underinsured motorist causes an accident and cannot pay for damages to a rider or their bike, this coverage can pay for expenses incurred in that circumstance.
Not Covered: Motorcross / Racing: A standard dirt bike insurance policy will not cover organized racing, called motocross. Racing is inherently more dangerous than casual riding and standard insurance policies are not priced with that level of injury risk in mind. Typically, racetracks offer some type of policy or coverage participants either can or are required to purchase.
How Much Does Bike Insurance Cost?
Dirt bike insurance policies are generally less expensive than motorcycle insurance policies. GEICO offers standard bodily injury and property damage liability coverage for as little as $99 per year. They are cheaper for a couple reasons. Unlike motorcycles, it is illegal to drive dirt bikes on highways and roads and riders probably spend less time on them. Dirt bikes are also typically much less powerful than motorcycles.
For example, the difference in engines between motorcycles and dirt bikes by Kawasaki (one of the most popular manufacturers) is significant. Most standard Kawasaki dirt bikes designed for the average rider have 144cc, while most of their motorcycles have between 634cc and 1,441cc. Even Kawasaki’s motocross dirt bikes designed for racing only have 449cc.
Best Cheap Motorcycle Insurance for Dirt Bikes
While dirt bikes themselves can be expensive, most motorcycle insurance policies are quite affordable. Price should always be a consideration, but we recommend you also consider a policy's perks and features before signing up for coverage. To help aid dirt bike riders, we highlight some of the best cheap motorcycle insurance companies below. All of them offer perks beyond just low rates.
Best for Minimum Coverage: GEICO
GEICO
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If you're just looking to stay street legal, GEICO offers some of the cheapest dirt bike insurance rates available. On top of this, GEICO offers motorcycle insurance payment plans, which is a great feature for customers who are on a tight budget and would rather not make one large lump-sum payment. Policyholders have the option to pay in four, six or nine installments for a policy that is one year in length. While paying in installments comes with a fee, it's usually just a few extra dollars. In addition to cheap dirt bike insurance policies, GEICO also offers one of the best mobile apps among insurance companies. It can save you time on simple tasks like paying your bill, getting ID cards or making changes to your motorcycle insurance policy.
Best for Custom Dirt Bikes: Progressive
Progressive
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Progressive offers custom parts coverage, so it's a great choice for anyone who enjoys customizing their dirt bike. Let's say you've recently modified your bike with new decals and a custom seat. If you were in a covered accident and have comprehensive and collision insurance, you'd be covered for up to $3,000 for these customizations. On top of this, policyholders can purchase $30,000 of additional custom-parts coverage. Very few other dirt bike insurance companies offer such competitive coverage for custom dirt bikes.
Best for Multiple Dirt Bikes: Markel
Allstate
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Markel is great for riders who have multiple dirt bikes because of its multiunit discount. The discount decreases premiums for policyholders who have more than one motorcycle insured with Markel. Markel also provides insurance coverage for other off-road vehicles, like ATVs and UTVs, making it a great choice for someone who enjoys off-roading with multiple vehicles. Another benefit is that Markel has other discounts that are easy to qualify for. For instance, if you switch from another dirt bike insurance company, you'll automatically save 10% on your motorcycle insurance premium.
Dirt Bike Insurance Discounts
Like motorcycles, dirt bikes are eligible for a number of discounts. Some of the discounts are ones dirt bike owners are probably already familiar with, such as a discount for purchasing more than one policy. Insurers typically offer at least a 10% discount on the annual premium of a policy when “bundling” policies together.
Installing some types of anti-theft devices is another easy way to get a discount on a dirt bike insurance policy. Generally, only a radio or GPS location device (sometimes called a “dirt bike finder”) qualify a policyholder for this discount. Most companies offer a discount of at least 10% if a dirt bike has a device professionally installed.
Some insurance companies might also offer a discount if a dirt bike rider completes a safety course but this is not nearly as common a discount as it is for motorcycle riders. One reason might be there are fewer dirt bike-specific courses offered because they are off-road vehicles, while motorcycles which are street-legal.
Although it is highly recommended that all riders wear a helmet while on a dirt bike, it is not required by law and does not warrant a discount on dirt bike insurance policies.
Are Dirt Bikes Covered By Homeowners Insurance?
No. Your dirt bike is most likely not covered by your homeowners insurance policy (neither is a motorcycle or ATV). Even if your dirt bike is stored inside your home, garage or shed on your property, it will most likely not be covered if it is damaged or stolen.
Dirt bikes are usually less expensive than motorcycles so some owners might decide to take a chance and not insure their bike. However, this is ill-advised. Dirt bike insurance covers more than damage to your bike or if it is stolen, it provides liability coverage which is equally or more important.
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