These are probably more general questions that many people here could answer, but I figured since this is already a thread for insurance questions I can post them here. Do you think as a 21 year old male with no accidents/tickets in the past 3 years (knock on wood) I will get owned on insurance for say a 2004 GSXR 600? Not asking for anyone to tell me how much they think my insurance would be, because I know that's impossible to do. But do you thing it will be unreasonable? Also with a bike that you finance, is it required to have full coverage? Only reason I ask this is because I'm not sure if medical coverage is included in what is considered "full coverage" when you have to have it because of a loan. I have health insurance and don't see the point in paying for it twice. Also what about the winter? If you have a loan and are required to have certain coverage, can you drop that down to storage coverage in the winter months? Thanks!