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The best way to knock the rates down is to get a bike proportionate to you experience and skill level. Get a GS500 or even better a DR350 and ride that for a minimum of six months, preferrable a year.



A new rider has no business being on a CBR600 unless he/she is just getting his/her picture taken.



IMNSHO, all the people above telling you to only get basic coverage so you can afford that CBR are morons.
 

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The real problem is the speed at which it will accelerate if you have a small lapse in judgement. More than enough to take you out. I could go on but I don't have the energy to respond anymore.
 
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