Insurance on my 05 600rr is only $125, gotta love progressive. What is your girlfriends budget for the bike? I know I already linked it once but I put the 06 GSXR on eBay with no reserve and it is dirt cheap right now and ending in 3 days. Here is the link again if you are interested. http://cgi.ebay.com/ebaymotors/ws/eBayISAPI.dll?ViewItem&ssPageName=STRK:MESELX:IT&item=230346099822 Bike is in good condition and for that price she can keep it for a few years as she wont out grow it in a month. -Roman