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Old 08-24-2015, 10:54 PM   #21
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Make sure you check insurance first, I'm 27 married with no tickets and I would pay over $200 a month for insuring a 600 super sport.
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Old 08-25-2015, 12:00 AM   #22
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My first bike was like 2800 bucks, im very VERY happy I used patience and saved up for one to buy it cash.
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Old 08-25-2015, 01:28 AM   #23
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Good luck affording full coverage on a financed SS bike
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Old 08-25-2015, 06:02 AM   #24
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Quote:
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I see what your saying. Makes a whole lot of sense, very smart actually!! Thanks for the wisdom man!
I was in the same position as you before I started, I wanted a 600 really bad, however I'm glad I didn't get one as my first bike. Having rode a few now anytime you're in the power band on that bike you're breaking the law, that 60-120mph range is where you have fun.

I agree with Repth if you have the cash flow I would finance, keep in mind the price of oil currently so hopefully your job is safe.

I wouldn't start on a 600ss like I said you want to know how to ride fast before you get on that bike, although people do it and are fine on it, if you start riding with some of these guys and you start testing your limits then it can easily get you in trouble (not law trouble because who cares about that, I'm talking about crashing.)

Insurance on that bike is insane, multiple quotes for me at 23, no wrecks or claims ever were around 8k per year for full coverage, so I went with Liability, Under insured motorists and theft which puts me at around 700 a year which is still insanely high. Also if you finance they are going to want you to have full coverage, so what I did was I went to a credit union and took a personal loan (which was a better rate than the auto loan) then bought the bike "cash" from the dealer.

I'd recommend a bike like the sv650, Ninja650, fz-07 lots of torque down low on the rev range so you have fun around town and they still handle great in the corners when you venture out there and they are much cheaper than a SS.

Last edited by Adamrides; 08-25-2015 at 06:04 AM.
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Old 08-25-2015, 07:49 AM   #25
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I'll bet you could find an 06 600cc sport bike for $2500. Pay cash, you'll be proud you did later.
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Old 08-25-2015, 08:14 AM   #26
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There are plenty of under $2k sports bikes for sale, you just have to look. Buy yourself the essentials first: DOT helmet, moto gloves, moto jacket, and sufficient boots (All for about $450 if bought new).

If you buy a used bike, you can insure it with the cheapest liability insurance on the market... keep in mind, liability will not cover theft. So make sure your bike is always parked in a safe place and you take the extra precautions to secure it.

If you can find a reliable co-signer, you might be able to get financed. BUT, ONLY finance if you know you can pay for it. Be responsible and keep your job in this case. Nothing wrong with building your credit on an auto finance for a 1st timer.
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Old 08-25-2015, 11:34 AM   #27
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With $2K down you'll be easily able to finance a bike for around $5K or so - even with no or bad credit. I wouldn't know where to look in Houston, but I'm certain there are plenty places.

You can't build credit without first using it. Oxymoronic, I know. Why not finance a bike? If you can reliably make the payments and don't get raped on the interest rate then what's the big deal?

Financing is only bad if you can't make the payments or get a rate. And possibly, the lender could require full coverage insurance ona financed bike - though not all will. I don't know if HSBC still does suzuki"s financing, but when they did, they didn't require full coverage. I wouldn't get full coverage in almost any case, only theft + liability.

At 19-yrs-old, comprehensive coverage on a SS bike could cost nearly as much as the bike payment. F that. I remember getting quoted $175 bucks a month for full coverage on a liter bike years ago. By the time the bank note was paid off I could have bought another bike with what I paid for insurance that I never used. Can't beat $17 bucks a month for limited liability.
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Old 08-25-2015, 11:45 AM   #28
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You can always pick up a bike for 2-3K. , grab a 250 for even less. Save up a few bucks for a jacket, helmet, gloves. You can ride in steel toe's or something similar with jeans for now.

Helmets are cheap, easily under a 100. Jackets go used left and right. I sold a Speed and Strength for $35. Gloves can be found for under $30 as well.

Take MSF..about $200 with some license fees at the DMV.

Insurance is your call...some might say you can ride dirty but risk the impound if police pull you over. Just gotta do the math and see if it's worth it .

If you live in a n apartment your bike will probably get stolen. Just a thought...

Good luck and ride safe.
I see that's real man, thanks for keeping it straight up
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Old 08-25-2015, 11:46 AM   #29
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Eh, I financed my bike and I'd do it again. But I went from being poor as all to getting a decent job straight out of college. I didn't have the cash to buy the bike I wanted, so I financed it, because I had the cash flow to make the payments insignificant. I totally agree with not financing a toy because you essentially can't afford it any other way. I just didn't want to wait a few months. Just my $.02
Yeah my situation is similar to yours. That's what I was thinking cause I do have a pretty good job. Idk yet tho
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Old 08-25-2015, 11:48 AM   #30
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How about this one?

2007 kawasaki Ninja 250R

http://houston.craigslist.org/mcy/5162880624.html
The only thing is I don't want to be stuck with it you know? Its a nice first bike tho but I'm gonna grow out of that really quick I just know.
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Old 08-25-2015, 11:54 AM   #31
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pretty much echoing what everyone has said, but have you checked Insurance on a 600 SS Bike?

I'm 4 Years older than you, No Tickets what-so ever and when I was pricing to get a freaking Ninja 650, the NINJA not the ZX6R SS Bike-- It was in the $400 a month range--

my K1200R is still in the $250 Range, But I can easily float that-- so again you should check insurance on the bike you want before hand--

Granted I'm not sure if the price goes way down the older the 600 Is.
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Old 08-25-2015, 11:56 AM   #32
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The summer I turned 19 was on me. I lived in the Chicago area...this meant 5 or 6 months of good riding weather. It was my second summer on the bike and not my main mode of transportation. The carbs got fubarred and a float needle was stuck. So the bike sat for 2 months while I saved the $300 or $400 to fix it....had I owed anyone $$$ on the bike it would have likely sat ALL summer. Just food for thought.
Thanks man. If anything like that does happen the bike probably would sit for awhile. Thats one of the risks I was thinking about. If I did get one now I wouldn't ride it too serious cause I do have a lot to learn right now. It would just simply be for pleasure, definitely not my main soure of transportation. I have a truck that's already paid for. I just want to bike to have it... to have fun on it... for the thrill... what we all get bikes for.
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Old 08-25-2015, 12:15 PM   #33
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I pay 126 a month for full coverage but my bike is a 07
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Old 08-25-2015, 02:37 PM   #34
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I fully understand the whole want and need to get a SS bike. Especially being 19 and looking to get your first bike. I promise you, this will not be your only bike. I hear so many people justifying a huge purchase for their first bike because "ill just keep this one forever!". Its bullshit. You will go through different bikes and riding styles. Get a bike thats not considered a ss and A- youll pay a fraction as much for insurance, B- youll learn to ride on something that youre not terrified to crash. Bikes i would recommend include: SV650, Street Triple, Katana, GS500. The enduro route would also be sick: drz400, crf250x/450x, KTM 525/505/530/450, ect..
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Old 08-25-2015, 02:43 PM   #35
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Quote:
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I fully understand the whole want and need to get a SS bike. Especially being 19 and looking to get your first bike. I promise you, this will not be your only bike. I hear so many people justifying a huge purchase for their first bike because "ill just keep this one forever!". Its bullshit. You will go through different bikes and riding styles. Get a bike thats not considered a ss and A- youll pay a fraction as much for insurance, B- youll learn to ride on something that youre not terrified to crash. Bikes i would recommend include: SV650, Street Triple, Katana, GS500. The enduro route would also be sick: drz400, crf250x/450x, KTM 525/505/530/450, ect..
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Old 08-25-2015, 03:06 PM   #36
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The only thing is I don't want to be stuck with it you know? Its a nice first bike tho but I'm gonna grow out of that really quick I just know.
i wish i still had my 2001 ninja 250. how can you out grow a bike??? bought it for 1,000$ in FL (in fl, you legally don't need insurance, i was young and couldn't afford it anyways) and sold it for 1,000$ years later. just keep it well maintained and you will get what its worth.

there is ALOT a 250 can do and once you get comfy with it and you should be keeping up with other riders in the twisties, but then again here in Houston they are far and few.

but what you really want to hear is go to a credit union, open up an account for a couple of months, then get a loan through them for exactly the cost of a couple years old gsrx600. you will buy a cheap helmet with cash, and now ur good to go
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Old 08-25-2015, 03:24 PM   #37
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I haven't read everything so someone may have mentioned a few of these things:

1. If you cant afford the gear, you cant afford to ride. Don't buy cheap gear and invest well in your helmet. Lots of good helmets out there and even more helmets that are total junk.

2. Buy a Ninja 250 / 300. It's OK if it's been wrecked. You will most likely drop it / crash it yourself as well. You can always turn around and sell it for what you paid when you are comfortable enough that you are ready to move to a 600.

3. A 250 / 300 is a very forgiving bike. Use this to build some riding skills. Get some miles under your belt and hit a few trackdays (yes, 250's are awesome at the track)

4. Trackday, Trackday, Trackday....... Get to a trackday as soon as you can. Trackday are not racing. It's a motorcycle school to teach you how to handle your bike at high speeds around corners, braking and acceleration... It's just held on a race track. Seriously, 99% of the riders that I know that have died on the street, had never done a trackday. Trackdays save lives.

5. "But I will outgrow a 250 too fast". You know how many times I have heard that from new riders? Way too many. I race 250's, 600's, 750's and 1000's. I still haven't out grown the 250's. They are still one of my favorite bikes to ride.

You're new to the game, so I'm just trying to point you in the safest direction. Take it or leave it.. The choice is yours.

Hope you make it to a trackday soon.
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Old 08-25-2015, 04:20 PM   #38
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Quote:
Originally Posted by Deano3090 View Post
I haven't read everything so someone may have mentioned a few of these things:

1. If you cant afford the gear, you cant afford to ride. Don't buy cheap gear and invest well in your helmet. Lots of good helmets out there and even more helmets that are total junk.

2. Buy a Ninja 250 / 300. It's OK if it's been wrecked. You will most likely drop it / crash it yourself as well. You can always turn around and sell it for what you paid when you are comfortable enough that you are ready to move to a 600.

3. A 250 / 300 is a very forgiving bike. Use this to build some riding skills. Get some miles under your belt and hit a few trackdays (yes, 250's are awesome at the track)

4. Trackday, Trackday, Trackday....... Get to a trackday as soon as you can. Trackday are not racing. It's a motorcycle school to teach you how to handle your bike at high speeds around corners, braking and acceleration... It's just held on a race track. Seriously, 99% of the riders that I know that have died on the street, had never done a trackday. Trackdays save lives.

5. "But I will outgrow a 250 too fast". You know how many times I have heard that from new riders? Way too many. I race 250's, 600's, 750's and 1000's. I still haven't out grown the 250's. They are still one of my favorite bikes to ride.

You're new to the game, so I'm just trying to point you in the safest direction. Take it or leave it.. The choice is yours.

Hope you make it to a trackday soon.
Excellent advice. Pay attention brother man.
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Old 08-25-2015, 07:48 PM   #39
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Quote:
Originally Posted by Deano3090 View Post
I haven't read everything so someone may have mentioned a few of these things:

1. If you cant afford the gear, you cant afford to ride. Don't buy cheap gear and invest well in your helmet. Lots of good helmets out there and even more helmets that are total junk.

2. Buy a Ninja 250 / 300. It's OK if it's been wrecked. You will most likely drop it / crash it yourself as well. You can always turn around and sell it for what you paid when you are comfortable enough that you are ready to move to a 600.

3. A 250 / 300 is a very forgiving bike. Use this to build some riding skills. Get some miles under your belt and hit a few trackdays (yes, 250's are awesome at the track)

4. Trackday, Trackday, Trackday....... Get to a trackday as soon as you can. Trackday are not racing. It's a motorcycle school to teach you how to handle your bike at high speeds around corners, braking and acceleration... It's just held on a race track. Seriously, 99% of the riders that I know that have died on the street, had never done a trackday. Trackdays save lives.

5. "But I will outgrow a 250 too fast". You know how many times I have heard that from new riders? Way too many. I race 250's, 600's, 750's and 1000's. I still haven't out grown the 250's. They are still one of my favorite bikes to ride.

You're new to the game, so I'm just trying to point you in the safest direction. Take it or leave it.. The choice is yours.

Hope you make it to a trackday soon.
I was thinking all this, but too lazy to type all that. Plus OP isn't getting the point.
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Old 08-25-2015, 08:02 PM   #40
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Did someone say they were quoted $8K/yr for comp coverage? Was that for four bikes, or what? Lol
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