[Kracka]

I really recomend taking a safety/riding course. Its a 20 hour program that goes Fri night, and all say Sat and Sun. They provide the bikes and everything. If you pass that course, and you're over 18, you automatically get your license. I still had to take the license test since I was under 18 (15) at the time and it was very easy. I pay $250/year full coverage for my '01 Ninja 500R. My '98 250R was $175/year. Insurance takes a huge price jump at 600cc though (at least with State Farm, style of bike doesn't matter, its all based off of engine size).