18/19 year olds with 600's

[ForbidInjustice]

Chris, you have to kill the collision. That is going to be off the charts anywhere you go! It's still considered full coverage if you have your comprehensive insurance, which isn't THAT much. Even if I put collision on this 2000 Gixxer 600, it would boost my insurance about 6-700 bucks, as far as I remember. It's not affordable, and not worth it. Being around this area, I only have comprehensive in case someone decides to steal my bike.

I have the least amount of liability, $1000 ded. on comprehensive, clean driving record, custom add-on replacements, around $550/yr.

Go into the quote and play around with several options, and see what reduces it dramatically. I can almost guarantee you that it's the collision that needs to be removed.

Head to eBay and check random part prices for the bike you're trying to get. It's probably more affordable to ditch the collision and buy replacement parts from people parting out bikes via auction [if you just happen to lay down the bike someday]..

[cjjtulsa]

Originally Posted by CManT1914

I am new, I just started riding a few weeks ago.

This is for in the future, several months down the road.

To be honest, I really want something that is pretty darn fast. I have a quick mustang (12 second worthy), and I really want something that will eat it up.

Any recommendations then on a fast sportbike that will not kill me on insurance?

Just an interesting combo of quotes.

I don't think there's an insurance company that won't kill you on sportbike insurance. I'm almost 38 and ride the hated cruiser, and my agent told me that most sportbikes would run me over $1100 a year. My VZ800 is a whopping $278 - a VZ1600 is $350.

[CManT1914]

Dre, even liability was $1800 a year!! My pops and me went up to Dallas today (he bought a 2000 VS1400 with 991 miles on it for $4150 mint condition!) and on the way back stopped at the Suzuki dealership. The 19 year old salesman I talked to had a Gixxer 600 and paid a whopping $450 a year for liability with Dairy Land insurance. I don't know what the deal is, but he gave me a name and number for an excellent local company that deals mainly with bikes. I'm gonna make some phone calls tomorrow and see what I can come up with.

Serge, I've looked into the SV650S', but I really don't think that will be enough for me. No, I KNOW it won't be enough. I'm not a speed freak, and I really rarely speed, but I just love to have a lot of power to get up to speed quickly. Anyway, keep the suggestions coming! Thanks all!

[inspiron]

Originally Posted by CManT1914

Anyway, keep the suggestions coming! Thanks all!

Read Uncle Bob's signature. It pretty much covers what I have to say.

If you continue along the same lines, then I wouldn't worry too much about the insurance killing you ... the bike will take care of that.

Just be sure that you have your papers in order and have a signed organ doner card, in case there are any usable pieces left. And don't forget to tell your family that you love them before you go out for a ride.

[Oz_RF9]

Originally Posted by inspiron

Read Uncle Bob's signature. It pretty much covers what I have to say.

If you continue along the same lines, then I wouldn't worry too much about the insurance killing you ... the bike will take care of that.

Just be sure that you have your papers in order and have a signed organ doner card, in case there are any usable pieces left. And don't forget to tell your family that you love them before you go out for a ride.

*laughs* Reminds me of the "180-MPH GSXR600" thread...

Stepping back in time a bit...

In 1989, I bought my first "big" bike, an '89 FJ1100. (I also did my "full" licence test on this bike a few months later, but that's a different story...
Anyway, at the time, I paid $AUD5900 for a (then) 4 year-old bike. I got quotes for fully-comprehensive insurance of around $1600 PA...Not even remotely affordable, so I didn't.

Fast-forward a few years (2001), and I'm 34-odd and, having had a few 'bikes in the mean-time (and having a good car NCB), I buy a 2000-model CBR1100XX and pay - $870 a year in fully-comprehensive insurance.

More recently, (this year) I bought an insurance-writeoff XJ600S to commute to and from work on. Paid $1501 for it, and about $450 to get it on-road. (Most of that was rego). I also paid $196 for a year's full-comprehensive insurance.

Most recently, I purchased a 1996 RF900R - with 7700kms from new -. Paid $AUD6300 for it, and fully insured it for market value. Paid $470 for the year.

Yes, I'm in Australia, where the full insurance rip-off hasn't hit "yet"; still, it also illustrates that age (and experience) CAN have it's benefits!

[CManT1914]

Originally Posted by inspiron

Read Uncle Bob's signature. It pretty much covers what I have to say.

If you continue along the same lines, then I wouldn't worry too much about the insurance killing you ... the bike will take care of that.

Just be sure that you have your papers in order and have a signed organ doner card, in case there are any usable pieces left. And don't forget to tell your family that you love them before you go out for a ride.

Well what classifies one a newbie? Cus I'm not talking about buying a crotch rocket next week, but rather a few months down the road. I won't be a total newb on it. I'm not 100% stupid.

[viper94bite]

I would consider something in the sport touring class. they have very cheap insurance. I would be cheaper for me to insure a katana then an Sv. I personally like the new zzr600 as it looks like a normal ninja to me. It is still in the sport touring class though so insurance is cheap. I'm 23 and pay about 40 a month for full coverage on my 1200.
Disclaimer: I would suggest getting as many miles on the gz as possible before even considering a 600 in the sportbike class. And by NO means should you even consider the idea of a 1200 because I said the insurance is cheap. If you do you are very likely to become a greasy spot on the pavement in which the rest of us could slip on.

[Trapper]

An SV650s is enough for anyone.

[tlwisner]

Originally Posted by ForbidInjustice

Chris, you have to kill the collision. That is going to be off the charts anywhere you go!

If you crash your bike, you have no coverage without collision. That's why it's so high on racing replica bikes - so many squids trash them. Comprehensive covers theft.

[inspiron]

Originally Posted by CManT1914

Well what classifies one a newbie? Cus I'm not talking about buying a crotch rocket next week, but rather a few months down the road. I won't be a total newb on it. I'm not 100% stupid.

To quote Rowdy ... biking experience is measured in distance, not time. If you have a few hundred miles under your belt, you are still a newbie. When you have reached the maturity level (see this post), you are ready for a liter bike. It takes thousands (or tens of thousands) of miles to get there.

Until then, take the MSF, and see how much power a little 250 has. Then reconsider if an SV650S would really be too weak for you.

Valentino Rossi didn't start his career in the MotoGP. He started with 50ccm and 125ccm bikes, and worked up to the GP class.

And yes, I ride a 1400. It is not a super-sport bike, it's a naked touring bike. It has 106 horsepower. When I bought it last year, it scared the %%%%% out of me several times. It still does on occasion. Before I bought the 1400, I had over 10,000 miles on a Vespa roller, and 5,000 miles on a V-twin 125. I started riding when I was 27 - I bought the 1400 for my 40th birthday.

[Uncle Bob]

Guess that what it comes down to is that insurance companies are just saying what we keep repeating here. In other words, get some mileage under your belt with a more reasonably powered bike for the first couple of seasons.

Don't get the "I don't want to speed or race but I need an actual racebike between my legs..........." It's not like these bikes are normal street bikes with a switch that you can throw for more power. They are twitchy/nervous/sensitive newbie killers that will amplify any mistakes a newbie is bound to make.

Even most humble cruisers can outperorm most cars on the road, do you really need a 0-60 time one quarter second faster ?

[SuzukiGirl1]

Originally Posted by CManT1914

...I've looked into the SV650S', but I really don't think that will be enough for me. No, I KNOW it won't be enough. I'm not a speed freak, and I really rarely speed, but I just love to have a lot of power to get up to speed quickly. Anyway, keep the suggestions coming! Thanks all!

Have you ridden the SV650S yet?? You're on a 250 now? Take it for a ride and see if you still think it's got no power.

I outrode a friend of mine on his R1 and I outrode a bunch of other rocket boys the other weekend that were on the race-replica bikes...ON MY SV!!
Remember...riding fast in a straight line isn't where the real fun is in riding...it's in taking the curves.

Do you have any idea on how popular the SV650 is for race bike? TONS of guys race the SV.

It's not the bike dude, it's the skill...you'll have WAY more fun, and pay a lot less in insurance w/ the SV.

[ForbidInjustice]

I love that post by Rowdy [that Inspiron referenced above].. not because it's just so perfectly worded.. but because it's so perfectly true. I bookmarked a lot of stickys like that, and time and again, I'll return to check the accuracy of them. They never fail.

I have almost 5 months and 3500 miles under my belt, and I still consider myself a newbie. I did start on the Gixxer 600, though, and it has worked out for me. Would I recommend it to my best friend to start out on? Not a chance. It does have a lot of power, and the first time I got on the road and twisted the throttle, I remember saying to myself.. "hold on..."

Originally Posted by CmanT1914

I really don't think that will be enough for me. No, I KNOW it won't be enough. I'm not a speed freak, and I really rarely speed, but I just love to have a lot of power to get up to speed quickly.

I'll be quoting someone else in saying that the dangerous part isn't the speeds that the bike can reach, but how fast it CAN reach those speeds.

SuzukiGirl is right.. you'd pay lower insurance with the SV.. if you end up feeling that it's not enough power [after you've had a reasonable number of miles under your belt to determine that you have the skill and maturity to advance], tack some performance mods on there; you're mechanically inclined!

All in all, a lower displacement bike is the safe route, and you can upgrade it when you need to. Let me turn your attention to all the fresh fish GIs [for metaphorical purposes, we'll just call them 'squid'] who you see get out of the MSF and go buy a Busa or a GSX-R1000 as their first bike, just because they have the money to. I'm not picking on military, because it's more than just them. They're the ones always in section B of the daily herald, though. The mistakes that you will make on a small bike can get you killed on a big bike.. but I'm not telling you anything that you don't already know.
In the past month in Killeen:

1. The SGT on W.S. Young Dr. who got hit by a car. Dead.
2. The guy over on Bell Tower Dr. in Killeen who got flung into the ditch.. dead.
3. The guy who crashed on Jasper and flew into a fire hydrant.. [KPD told me that he was teaching a friend how to ride. How ironic.] Dead.

I hope you'll make a good decision on the bike that's right for you to start out on. Everyone's here to help.

[87gsxrnut]

I was an MSF instructor at Ft. Jackson. I've seen it before. Things never change.

I outrode a friend of mine on his R1 and I outrode a bunch of other rocket boys the other weekend that were on the race-replica bikes...ON MY SV!!
Remember...riding fast in a straight line isn't where the real fun is in riding...it's in taking the curves.

YOU GO GIRL!!!!!!!!!



- Nut

[Ranger_b0b]

I had to laugh at this...sorry man.

Originally Posted by CManT1914

I'm not a speed freak, and I really rarely speed, but I just love to have a lot of power to get up to speed quickly.

You have a 12 sec mustang...and your not a speed freak? Hmmmm....What is your def of speed freak? Also, you gan only get to 60 soo fast. When that front tire starts to lift...and it will on almost any non-cruiser (even an 82 GS650) you had better back off. Unless your a sadist, and like the feeling of scrubbing your skin with a wire wheel.

[viper94bite]

Originally Posted by Ranger_b0b

I had to laugh at this...sorry man.



You have a 12 sec mustang...and your not a speed freak? Hmmmm....What is your def of speed freak? Also, you gan only get to 60 soo fast. When that front tire starts to lift...and it will on almost any non-cruiser (even an 82 GS650) you had better back off. Unless your a sadist, and like the feeling of scrubbing your skin with a wire wheel.

I saw a guy last night and everytime he shifted his front wheel came up. I just shook my head.

[SuzukiGirl1]

Originally Posted by 87gsxrnut

YOU GO GIRL!!!!!!!!!



- Nut

Thanks!!

[Dizzle]

Originally Posted by CManT1914

I have looked into the SV's a little bit, but nothing serious. To be honest, I really want something that is pretty darn fast. I have a quick mustang (12 second worthy), and I really want something that will eat it up. I just don't know if an SV650 or an FZ600 or the like would do it. If so, then please tell me more!! I could get the full fairing and still have that sweet look too.
Keep the suggestions coming guys!!

An SV650/S wont eat it up but in the 1/4 it'll keep up, it runs 12's 0-60 in 3.9 according to suzuki but i've done it in 3.7, but I too want something a lil quicker, kind of a shame I should have thought of that before I bought my SV new. By the way its on ebay if you're interested *hint*hint* haha Item#4583362397

[CManT1914]

Originally Posted by Ranger_b0b

I had to laugh at this...sorry man.



You have a 12 sec mustang...and your not a speed freak? Hmmmm....What is your def of speed freak? Also, you gan only get to 60 soo fast. When that front tire starts to lift...and it will on almost any non-cruiser (even an 82 GS650) you had better back off. Unless your a sadist, and like the feeling of scrubbing your skin with a wire wheel.

Just because I have a 12 second mustang doesn't mean I'm running it to it's limits all day long. I rarely get on it WOT anymore. I haven't even driven it in the last two weeks, and it's HELLA faster than my bike. If I were a speed freak, I would be back in the mustang as much as I could doing 150+mph (and yes it will do it, I've done it a long time ago).

For the most part, my immature stunts are behind me. I've done 140mph on the freeway and I will never do it again. Having the mustang has taught me a TON about the responsibility of having a lot of power and knowing when and when NOT to use it. I dare say I am more mature than most of the squid around here, because I know a lot of them, and most of them are freaking morons. I also know plenty of guys who start out on 600's as their FIRST EVER bike, and have absolutely zero problems. I am not starting out on a 600, I'm starting out on a 250, and moving up. I'd say I will have a LOT more experience than a lot of riders of these crotch rockets. I know all about guys who die on them. I have seen NUMEROUS motorcycle accidents in my lifetime. Ever heard of the highway of death? Texas State Highway 195, before it was widened and made into 4 lanes, was in the top 10 list of most dangerous highways in america. I can't count how many motorcycle crashes I saw there, and how many squid died there. Another guy I found in a ditch one day out by where I live, he died as well. I know all about the risks of riding these, but I am willing to take them. Call me immature, call me stupid, whatever. But do NOT assume I have absolutely no idea what I am getting myself into. As I said before, I DO know about having power (mustang) and using it wisely.

Oh yea, back on topic, I was selecting the wrong kind of coverage, I was getting comprehensive as well. I went back through and got just liability, and the quote was $653 a year. Around $55 a month isn't too bad.

[Clint]

Good post, Chris. You have me convinced. Just make sure you continue your training and practice what you learn. That false confidence gets the best of even experienced riders.