So let me get this straight: You're 23 years old, and you got your first bike, 93 Kat 600, this year as a fixer for about 300 bucks, plus whatever you put into it in parts which given your documented issues with it I assume is about 750, all in, not counting your or anyone else's labor time. Rode on temps when you first got your bike together, got your endorsement in late August. Between the mechanical and electrical issues (like riding with electricity arcing between the handlebars), you feel that you have outgrown your bike in 3 months and want to purchase a Gixxer750/1000. But it's cool, you'll hold on to this for a long time, so financing it is no problem. Firing up the blockquoter, this is going to be a long one. You want a bike that stands out? Go buy the Benelli that omaraloui was selling a while ago, or a BMW S1000RR. News flash kid, Japanese motorcycles are mass-the-fuck-produced. After a while they become just like cars from last model year, you see them everywhere and they've lost all their new charm. What makes them unique is the things that the riders do to them, but since you've only been riding for 3 months, I don't necessarily expect you to understand that yet. However, since you seem to be content with throwing at least $5-600 a month down that hole, I also don't expect you to be doing any mods anytime soon. As far as insurance goes, my record is shit. I'm 30, no kids, and was dropped by State Farm last year for too many tickets and the claim I filed when I wrecked my Kat (plus another in '05), and even after fleeing to Progressive I STILL paid 145/yr for liability only on the CBR. The only thing I can think of is you have a DUI on your record or something you're not sharing. It's totally cool, your business is your business, and we don't need to know the gritty details. However, your rates are that way for one reason or another, and it doesn't seem like there's a magic bullet company that's going to charge you 90 a year. Perhaps instead of looking to see what insurance companies were the best for motorcycle rates, you should see what motorcycles are best for insurance rates. Here's a hint: ANYTHING BUT GIXXERS AND BUSAS. Have you ever stopped to think why it's been sitting on that showroom floor? I think I've already debunked the other bullshit in here. Have you now?