If you do buy a newer small used bike you`ll get back what you paid for it and will have alot less money and time invested in an older bike. My dad started me on a 77 kz650 and man I hated that bike everyday. It broke down on me (only once) and my dad probably sunk over $2000 into it not including the many many wrenching hours we both put into it. I have no idea about the insurance side of this though, and besides a newer bike is a chick magnet an older bike is a cougar trap.
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