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| *Vultures Knob>>>Bike Insurance |
Buying a Suzuki sv650s? |
Im only 16 and I really want to get an 650s(specificaly yellow) but i dont know how much money to save, and how much it would cost to maintain a motorcycle with insurance and gear (jacket, helmet, etc). I would like to buy a used newer bike (03+) buy i cant find any so i think i just might have to buy a new one and i was just wondering how much money i would need in order to purchase something like this. you might want to look at the hyosung comet 650.. http://www.hyosungmotors.com.au/... new korean made bike... looks exactly the same as the Suzuki & is a lot cheaper... not sure where in the world you are (no details on your profile)..... but should be available. ( I would have emailed to ask but you dont allow email either)... makes it hard to give info if you dont supply enough in your question......................... Source(s): 1 st answerer assumes your a YANK the second assumes your a POM & Im an Aussie giving you my 2cents worth...LMFAO 1> At 16 you canot finance anything. you need a co-signer with good credit. 2> Downpayment 1000 to 2000 should be good 3> $150-200 monthly for payment 4> Insurance, this is the BIG ONE!!!!! $200- 400 a month! 5> Gear will run you around $500, don't go cheap 6> The SV 650 is a slow bike anyway, you will outgrow it in a few months. If you are going to go to all this trouble , you might as well get a real bike. like a GSXR-600 or the like. do yourself a favour and ignore the guy above^ sv650 is plenty bike for your first bike...in fact i would suggest you start smaller, but im not here to preach... at 16, its not liekly you will be able to afford a bike like that, itd be hard enough to finance a 125 by yourself...here's some cost ideas for ya... the bike is around 拢2000/2500 for a nice, clean, low mileage model gear, you wanna spend at least 拢500, and get some decent gear...dont put o low price on your skin insurance for a 16 year old on an sv will be sky high...expect about 拢1000 a year tpft dont forget your road tax.... and mot... and service costs... and fuel...if you do 200mls a week look to spend 拢25 a week on fuel maintainance...its up to you really, but i think on average i spend about 拢7/10 a week on maintainance good luck! maybe get a moped... You could get an older bike if you have the mechanical skills.Most older bikes are easy to work on and are built solid.My bike is bullet proof and runs like a top.Insurance is cheap and when you buy one for about 1200 bucks it's paid for.My insurance is only 80 a year! Find an older bike for your first bike in case you drop it and just work on it yourself.You will learn a great deal and have an excellent bike too.Shop fees run easily from 65 to 100 bucks an hour!Mine is for sale and has all new suspension,o-rings in the carbs, no rust and all new electrical system with no oil leaks anywhere.Also has 74hp. and 673cc's.Top speed is 128mph with a full vetter faring package!asking 2000 Took a quick look and looks like 2003 models average around $4000. Like the others said, you're going to need somebody as a cosigner for a loan. To get a better idea go to a site like cycletrader.com and run some searches. Don't know where you live, but around here we have this free magazine that comes out every week called Indiana Auto & RV, but they actually cover all the surrounding states. I'm sure you have something similar like that in your area. I'd be afraid to find out what insurance is going to run, but you have to find out ahead of time. Give Geico a call and get a quick spot quote. Sorry to say man, but at your age insurance will make or break your decision. Part of growing up I know, but we've all been there. Taking a MSF course could potentially lower your insurance a bit, but don't expect a huge break. Take the MSF regardless if you are new to riding. A SV650 will have LOTS of power for your first bike. Don't worry about getting "bored" with it. You'll find out that riding is what matters. I will say this - do NOT buy new. For one, insurance will absolutely kill you. Two, it's your first year riding. You're going to make mistakes bud. I dropped my bike twice the first year by simply grabbing too much front brake while turning around on an incline. Didn't do much other than a brusied ego. Point is, you drop an '07 SV650 you are going to be really mad. Find something that is half way decent and runs good. That way if you make an "oops" you won't feel as bad. As far as some other costs: Gear (averages mind you) Helmet - $100-200 (more expensive does not mean safer!) Gloves - $50 Jacket - $50-$150 Boots - $100-150 Pants - $75-150 Go to www.newenough.com. Awesome people there and the prices are great. Other things most people don't think of: Bike stands - you'd be looking at around $200 total for a front and rear stand. Can't remember for sure, but thinking the SV doesn't have a center stand. If so that eliminates a rear stand, but you'll want a front stand eventually. The front can wait for awhile, but you'll want a rear early on. They are worth the money and better/safer than trying to lift up your bike with some small jacks. Tools - a good torque wrench is a must when working on bikes. You'll run into some odd size sockets eventually (depending on how much you work on the bike yourself). This cost can be spread out though, but keep it in mind. Tires - sport bikes are lucky to see a tire last to the 10,000 mile mark. Expect to spend close to $300 when it comes time for new rubber. It'll help if the bike you find has good tread on it still. Then the cost of mounting them - most stealers, I mean dealers, charge $30+ to mount and balance a tire. You can easily end up having $400 wrapped up in tires before you know it. Good thing is that if you take it easy riding a set of tires will last a season. Rears always wear out faster than fronts, however. Back to crunching numbers for the bike itself. Say you find something for $4000. If for example you put $1000 down and get a two year loan your payments should be around $150 a month. Keep in mind you'd be looking at around another $250 for taxes and then the cost of getting plates. If you have your heart set on a SV650 then go for it. I would like to make one other suggestion and that would be a Suzuki Bandit 600S. Looks a lot similar to the SV, but most insurance companies don't view it as a true sport bike (it has a more upright riding style) and rates are much better. I have a 2003 Bandit 1200S and love the thing. Good luck. Check out the links below for some better ideas on pricing. www.cycletrader.com www.newenough.com |
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