48Connor
Well-known member
Hey guys, hows it going?
First post on the forum, but I've been reading for years ever since my interests in bikes started.
So here's the deal. I've come to a point in life that I am able to buy my dream bike, a new DRZ400SM. Though, being a student and still living at home, the parents are against it under their roof. On the other hand, they are fine with me purchasing a dirt bike to use on and around the property we own up North, as long as it is insured.
With this, I began looking at new (yeah I know, used would be better for a newbie) dirtbikes, but man was I in for a shock. At 6'2", 220lbs (probably 235 with gear), it appears that the smaller of bikes, like a Honda CRF230F, Yamaha TTR230 etc., do not have the suspension set up (or power, that I've heard, though that doesn't matter to me) for someone like me. Which lead me to larger bikes, like the WR250F, 450F, CRF250X, 450X, etc., but are in the range of $9000, bringing me back to my fav DRZ at $7500. Here's where I need help.
I want to buy a 2016 DRZ400SM, get a green plate, insure it as an offroad dirtbike, ride it around up at the cottage for one or two years, then after gaining experience and taking an MSF course, re-insure the bike for normal street use. The question you insure a street bike as a dirtbike
I tried to call State Farm last year, but instead of a DRZ it was a Grom (State Farm was apparently the only company to insure Groms at the time), and the idea went completely over the guy on the phones head. Started talking about needing to have an M2 license, being over 21, and that it was going to be around $2800/year, and I knew we weren't on the same page.
If any of you have an insight or experience with this, I'd love to hear it. And I look forward to getting to know you guys, as I'll have to get something either way haha.
First post on the forum, but I've been reading for years ever since my interests in bikes started.
So here's the deal. I've come to a point in life that I am able to buy my dream bike, a new DRZ400SM. Though, being a student and still living at home, the parents are against it under their roof. On the other hand, they are fine with me purchasing a dirt bike to use on and around the property we own up North, as long as it is insured.
With this, I began looking at new (yeah I know, used would be better for a newbie) dirtbikes, but man was I in for a shock. At 6'2", 220lbs (probably 235 with gear), it appears that the smaller of bikes, like a Honda CRF230F, Yamaha TTR230 etc., do not have the suspension set up (or power, that I've heard, though that doesn't matter to me) for someone like me. Which lead me to larger bikes, like the WR250F, 450F, CRF250X, 450X, etc., but are in the range of $9000, bringing me back to my fav DRZ at $7500. Here's where I need help.
I want to buy a 2016 DRZ400SM, get a green plate, insure it as an offroad dirtbike, ride it around up at the cottage for one or two years, then after gaining experience and taking an MSF course, re-insure the bike for normal street use. The question you insure a street bike as a dirtbike
I tried to call State Farm last year, but instead of a DRZ it was a Grom (State Farm was apparently the only company to insure Groms at the time), and the idea went completely over the guy on the phones head. Started talking about needing to have an M2 license, being over 21, and that it was going to be around $2800/year, and I knew we weren't on the same page.
If any of you have an insight or experience with this, I'd love to hear it. And I look forward to getting to know you guys, as I'll have to get something either way haha.