Holy shit, the newbie actually included both M's and the triple 'i's in my name when he addressed me. You're alright kid, regardless of what RVTPilot has said about you in all those PMs. And to address your insurance question... When I insured my Hayabusa, and added my SV1000 to it.... my premium increased $15/yr. So, I'm gonna go ahead and say the SV650 would be even cheaper, and if you plan on just getting liability, then I would guess that < 1000cc engine size plus "standard bike" (i.e. not considered a 'sport bike' by insurance companies like the R6, GSXR600, CBR600RR, or ZX-6R) plus liability only Even with your age, you should have a premium < $200/yr or thereabouts. I'm with Progressive.