Im wondering what would insurance cost for me, i live in MI so would not be driving it in the winter.  Im getting a 600 or maybe a 1 liter bike and no one is going to talk me out of it. I am 16 right now and plan on getting it when in 17. What is the insurance price difference between a 08 600cc sport bike and a 1 liter.  And also what are pros and cons for a 600 vs a 1 liter, not in speed but you know.  And what brand, im digging yamaha but this is different than the dirt world of motocross. And no, please dont say get a 250, im not here to talk about that and i know some what what im in for.  And im also a light rider, weigh 140 right now, is a 1 liter like a r1 sprung for a heavier rider vs a r6.  Im leaning towards a 600 though especially if the insurance is cheaper. Any help and or comments appreciated except for getting a 250, like i said i am not here to talk about that.  I trust myself with a 600 maybe not a 1 liter, but i know how to respect a bike and im well aware of what happens when you dont, also aware of the damage it will do to you on pavement.  Parents say that if i can drive a year without any tickets they will probably let me get one. Would just like to know if its even practical, cause i do know insurance for me to drive lets say a 2000 v8 camaro is through the roof, is it the same with bikes? And i also understand that a 600cc bikes powerband is supposed to be insane which makes it hard to drive vs a 1 liter bike? is that true, although i think i will be fine with it though.

Insurance for a 1 liter street bike is going to be insane at 16.  It will most likely be more than a camaro or comparable fast car. As for the whole idea here, I strongly suggest your parents take out life Insurance on you.

Im 21 and with MSF discount Allstate wasnted over 6,000$ a year for full coverage on my CB1000R...I talked to a few insurance agencies and they all classified it the same as a new CBR1000rr......it wasn't much less if I got a 600.  Talked to GMAC insurance and I pay 89$ a month for full coverage.  Check them out.

600cc powerband is a little peakier but a 1L superbike is still wayyyyy more to manage expecially for a 16yr old.  I got a literbike as my first streetbike and I probably should have got something like a ER6n or sv650 first.

It's going to be a crapload and a half times more than the ten craploads you'll be paying for a camaro approximately. In all seriousness it's going to be thousands a year. Probably about as much as you/your parents pay for your bike.

Look for a 650 or something like that. Something a little milder and not so racy. Insurance isn't going to be that much different between the two different sized bikes. There's really no need for sport bikes other than to do stupid stuff with them, so I hope you do stupid things within your limits, if not the 50yo alcoholic with cirrhosis of the liver will thank you for his new liver.

Whatever you choose you have to respect it or you will be dead or injured in a short amount of time. Too bad they don't really make too much for standard bikes anymore. Something like the sv650 is what I would want. Mildish power but still plenty of oomph when you need it. You shouldn't really be looking at sport bikes as a first bike especially at 16 years old.

Well since it wont matter when you crash and splatter just pull out a good life insurance plan and forget everything else.

Seriously, a 600-1000cc sport bike at your age = death

Stick to the dirt until you get old enough to know what respect means.. and Im not talking about elders.

I've ridden A LOT of streetbikes on the street, owned a few. The most fun I've had was on an sv650 or a ninja 500 cbr250 was a close third. None of the supersports could be ridden the way they are supposed to be on the street, they are made to be raced on a track. I bought the 250 a couple months back used (nearly new) and had an awesome 2k miles of fun before I sold it for what I paid for it. My friends who only ride street and have sportbikes (600cc+) all gave me shit until they begged me to let them try it. They all hated that they couldn't get away from me unless we were on the highway. In the twisties I pick better lines, better body positioning, carry more speed, etc... I could focus on using my skill to ride fast instead of the bikes motor. My friends who ride trackdays never gave me shit about the 250, they already knew how much fun I was going to have riding it to the max. I would not reccomend a supersport to any teenager, not even a young mx pro.  Lastly ask your question at sportbikes.net they will help you out a lot.  Good luck and ALWAYS WEAR ALL YOUR GEAR.

yeah good info im liking it, but like i said i live in Michigan so it would be seasonal insurance there for maybe i could afford it do not know..... now id take it slow somewhat with the bike for probably a year before going nuts and i wouldent go nuts like alot of guys do on the internet, there boarder line suicidal, but then again i do not know if i want a bike like you guys are talking about but maybe i can learn to get used to it and like it.  Dont get me wrong i like going fast but i do understand if i get 1 ticket im done plain and simple soo keep it coming this is great simple info letting me plan out and yeah keep the ideas and quotes coming.

Chris Hammer, on 10 April 2012 - 09:21 AM, said:

your being sarcastic, i really gotta ask and if you are not joking i dont know if i believe you lol


AND YES IM A BELIEVER IN GEAR......

THANKS GUYS KEEP IT COMING ID LIKE TO FIGURE THIS OUT ANS IM SORRY BUT CANT STICK TO DIRT ANY MORE JUST MY TIME MY JOB ETC THIS SUMMER ILL BE WORKING 40-60 HOURS A WEEK I MEAN JUST IM GOING STREET PLUS IF I DONT IM GETTING A TRUCK INSTEAD OF A CAR WITHIN THE 2 MONTHS, NEXT YEAR AROUND THIS TIME IS WHEN I WOULD LIKE TO GET THE BIKE

Edited by roostierooster855, 10 April 2012 - 03:59 PM.

I thought insurance for bikes was supposed to be fairly cheap as long as you don't owe any money on the bike and you have health insurance. Also I think you should at least try a couple bikes on the road before buying your own. The biggest danger is cars not paying attention I think, as opposed to you wiping out yourself. I ride a buell 1125r and its more power than is really useable on the street and the power is really only that of a 600. As for 1000 vs 600, like i said they'll both have more power than you can use on the street and both will only go as much as you twist the throttle. I would just buy based on the best deal you can get between each type.

yeah ok i realize now its no joke, i looked it up and yeah 600 for shure is good and yes i want a 600 sport bike like a r6, hopefully a 08, but could i afford the insurance, how come theres some kids that get quoted 5 grand a year than people that get it for 89.00 a month and i think chris hammer is joking idk. but also i dont ride the bike in the winter soooo there for can i get seasonal insurance?

I think the people getting quoted for 5 grand a year still owe money on the bike like i said before. not sure though. and you can probably just cancel the insurance when your not riding the bike. I know in NY they don't make you give the plates back to cancel insurance like they do for cars.

If your coming from dirtbikes i suggest getting a Supermoto of some kind, say maybe a drz400sm or something, loads of fun, everywhere and reliable as dirt. One of my dads buddies has a 08 cbr600 and an older literbike and since then all he has gotten a drz400sm  and that is all he ever rides anymore. He says its way more enjoyable than a sportbike almost everywhere except for on busy interstates.

Bigoldbeef, on 10 April 2012 - 05:57 PM, said:

well the thing is im still a kid/ teen what ever you want to consider me as but a drz400 does not sound fun especially for on rode, i know what they are capable of.  Me taking a 450 and making it street legal is a different story but then again, it is not practical.  I mean they are not meant for it, and the drz400 just checked, there is one in the local area and its a 200 and it is way over priced and beat.  Heck its something im going to be driving in the summer everyday as long as it is nice out, i would buy the bike used and would not owe anything on it.  Well do know this im not your typical teen and i and just all about bikes and i easily know i can be killed in two seconds even if its not my fault, what ever but people say oh sport bikes are death traps, well depends who is driving it because in alot of situations the bike your riding would not have mattered.  And i dont want to start on a smaller sized bike or more beginner friendly bike cause after two months of riding it im going to sell it and get a different bike, done stuff like that in the past i dont want to deal with that. But a supermoto/hypermoto bike is out of the question, there to hard to find and the people who make the hypermotos are like ktm, ducati and aprilia. And there are none used around here and im not going to find any and there just as expensive.  Thats my answer i guess and id say just get a r6, craigslist is loaded up with theme right now, and i cant just start testing bikes i mean where, and whos bikes. But what brand would you guys recommend, yamaha, suzuki, and how about maintenance on theme, i can only imagine.......

if you rode a supermoto you would realize why people suggest them

I just finished my Rider Education Program. I road on the dirt for the past 6 years. I am 18 now. I got a dual sport 350 at 16 and started doing enduro riding. I road 50% on road 50% offroad and then switched to 95% dirt 5% road because I enjoyed the dirt more. I bought a YZ250 a few days ago and now strictly dirt. Now the important part. I road on the road for almost 2 years with my Motorcycle Permit and I thought I was decent. I just finished a beginner course for two days and I'm 1000% better. This also gives me my full Motorcycle License. I It only costed my $240.00 and was 9 hours for 2 days. It also saves me 10% on any motorcycle insurance I decide to get. I learned from the best instructor in the state. I am from Mass, but took the course in CT. He was 77 and was flying through the courses on a gold wing. What I am trying to say is even though you have dirt experience and THINK you know how the road is..you don't. In two days I learned a life-time of skills. Maybe you should take a riders education course and that could cut the cost of insurance down a little regardless of how much it would be. Better yet go down to the nearest insurance company and ask them for a quote? I wouldn't recommend a 600+ for anyone starting. It's stupid and you can say as much on the keyboard as you want, but anything and everything will happen in the streets. So in reality FIRST take a safety course (if you haven't already obviously you never specified). Then go to a dealership and test a bike out. More than likely they have beater-upers in the back you can ride in the parking lot. Then BEFORE you buy a bike go to the insurance company and ask for a quote on it. Simple as that. This site can be very informative, but who can guess your insurance? My 350 was in my Dad's name. It was about 125-200$ per year. It was the lowest possible. That also can effect the price BIG time.

I'm not joking. I sent u a pm of what I pay...I was mistaken as its actually ninety something lol but still I shopped around for a good week or so.  Some companies where outrageous cus they didn't know what the bike was.  I have a 2011 CB1000r. I still owe 9k on the bike put like 4k down...my first real loan.

got a 18 year old friend who has owned a zx6r, gsxr 600, gsxr 750, buell 1125, and recently just bought a drz 400 supermoto.  Let him ride my ninja 250 when i had it and he said its the second most fun he ever had with a bike with the supermoto being first.. Insurance is cheaper if the bike is paid off in full (no loan on it), when your 18 and can get your own policy, and just getting basic without any coverage.  You take a loan out on it your insurance will be extremeley high because the bank is going to make your policy for the bike when you go to get insurance.

I'd rather ride something slow fast than ride something fast slow.. and save a ton of money just my two cents

ok, there are no drz 400s by me and why are they so fun, there has to be a reason, im not saying they are not im just wondering like, how come a 600 is not fun, the position? and i guess it all depends really, i mean yes i would take the motorcycle safty courses and you are required to if under 18, and would also like to get my motorcycle license but the insurance part seems ok if i can pay 100 bucks a month.

drz400sm's are fun because you can run the piss out of them and attack the twisties harder than you ever would on a sportbike. A drz400sm will destroy a 600 in on the twisties, and just so you know the twisties, in my opinion are the funnest part of riding on the street. Also, you can Wheelie anywhere, ride anywhere, and from my personal experience speed in a lot more places where if you were on a sportbike would get you into trouble. From my experience if your just cruising out some road at 45 where the speed limit is 35 (you are going to speed everywhere, on a motorcycle it feels like your not even going anywhere) and a cop passes you he's most likely not going to notice if your on a "dirtbike" but if your on a crotch rocket and you pass him its going to gather more attention. The only place where i wish i had more power is if im running 75+ on the interstate for a long period of time

Edited by Bigoldbeef, 11 April 2012 - 04:22 PM.

drz's are awesome i just bought one, you can run them to hell and it will run forever. Its a very easy bike to work on and needs little maintenance.  its a urban warrior stairs, sidewalks, loading docks yah name it will take you anywhere. It does really well in twisties and is just a fun bike to ride. i paid 104 bucks for insurance on my drz for a year