To you younger guys: Insurance blows! They stiick it to you just 'cause your young. Same you, different bike- rates go up. The FJR is not up on the hit list like the 'Busa, R-1, etc. Be grateful for that. Plus you can ride it for more than an hour without visiting the chiropractor. And usually outride the guy on the sport bike with the ball cap on backwards and flip flops. My son will have a license in the next few months, he's an excellent driver/rider. Been riding since he was three. I know my insurance bill won't even come with vasoline when he's on the policy. My words of wisdom. I'm almost 45, but don't feel much different from when I was 21 (just have to go to bed a little earlier). So don't avoid hanging out with those gray haired guys on the bikes, they're not much different from you. My Dad is 76, still rides, says the same thing about not feeling old. Mentally, at least. I race dirt bikes with a bunch of guys my kids age. I may not be able to talk about homework and they about the mortgage, but we all have a great time together because of our love of riding. You're just lucky you found a great bike earlier than some of us.