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But what is a new rider supposed to do in that situation though? Insurance companies won't look at previous on road experience if you weren't insured. So pretty much you can ride for...let's say 5 years uninsured and have plenty of experience but because you have never been insured prior, your insurance is still going to be expensive. Are you pretty much supposed to suck up the $3k+/year insurance for the first couple of years as a new rider?