need more advice

hey i know i said that i was getting the sv650s for my first bike but the thing is i love the sv1000s the look and style and EVERYTHING about the bike is awsome i will be able to put the down payment on it and pay payments so the price difference isnt that bad but do you think it is to much power ????? i have riden all my life just not on the street so i am asking those of you who have riden is it to much for me or can i handle it ????? i think i can but i dont know , for lack of having experience thanks

is it to big for my first bike? even though i have riden dirtbikes all my life and have taken the MSF course ??? i love the look and im sure i wont get bored of it when i get experienced because of the 996cc sized motor???? do u still think it is too much :willy:

is it to big for my first bike? even though i have riden dirtbikes all my life and have taken the MSF course ??? i love the look and im sure i wont get bored of it when i get experienced because of the 996cc sized motor???? do u still think it is too much :willy: If you have to ask then you dont have to ask :screwy: 70+ post?

Big diff from street to dirt! Start small and cheep!

Start small. Go to a few schools and track days. After a couple (or more years) when you KNOW you're ready, not just when you THINK you are ready, then you can step up. If you have to ask us, then you aren't ready for the bigger bike. ;) I have had people advise me to get a GSXR 750 instead of a 600, but I have only been on a Katana 600 for a little over a year (although I have a few years worth of experience on motorcycles) and I KNOW the 750 will be too much bike for me. If you honestly think you are going to want to trade up relatively quickly, then don't buy new. Buy a used bike and save some of your money. Buy the new bike when you have the experience. Get some experience first. You had also mentioned in one of the other threads that you weren't sure you could afford all the gear. Sounds to me like you should just buy a used bike and spend some money on quality gear. Get the necessary street experience (BIG difference between dirt and street) while you save some money and then buy the new bike when you know you're damn good and ready. Don't be a squid. :)

im not stupid and wont be a squid but i really want that bike the $$$ thing is just that i have enoghf to make the down payment and some gear ( mom is co signing since im 16) and i have a job to make payments and gas and insurance aint all that expensive plus i have a little college money i can take out too so i am okay on the $$ just really want the bike is the sv1000s a liter bike or just a big (standard) bike what i meen by that is is it a performance bike or just a standard bike (i know all bikes are dangerus itas just that there is a difference in the R1 and the sv1000s right?? im sure the sv stands no chance but also i cant fing the specs that i am looking for like horespower and rwhp ect. the suzuki website dosent have that idk why thanks again for your time guys :seeya:

If you have to ask then you dont have to ask :screwy: 70+ post? :sorry: i dident understand that one bit??????????? :bash:

i have to ask because ive never riden a street bike before and i am just looking for advise dont be an ass if that is what earlier the thread was about i am asking because i dont know :dthumb:

No flaming intended! :here: It seams with that you have been around this forum long enough to know the reply. I stated in another post of yours, big difference in dirt to street. Start small & cheep! 250, 500, entry level 600. (ex.SV 650) find a used one for a couple grand, ride it for a year or so. Sale or trade it for what you really wont.

No flaming intended! :here: It seams with that you have been around this forum long enough to know the reply. I stated in another post of yours, big difference in dirt to street. Start small & cheep! 250, 500, entry level 600. (ex.SV 650) find a used one for a couple grand, ride it for a year or so. Sale or trade it for what you really wont. see now what do you meen by entry level 600 ???? and even though i havent made my mind up does anyone know were i can get a lot of info on the bike

No the Sv 1000 doesn't stand a chance against a R1. The SV is more of a entry level or alternative to a R1 or GSXR 1000. Cheaper and less performance.

When I say entry level, Im saying cheaper and less performance but, still close to others. Examples; SV 650 vs. GSXR 600 Katana vs. GSXR 600 FZ6 vs. YZF R6 Some model could be geared more towards touring than sport. More up right riding position. I consider a standard to be no lower plastic and up right ridding position.

I say it is all about the rider. So people can understand that trouble only comes with no self control and riding outside the riders abilities. I say go big and grow into it! There is nothing wrong with starting small but the problem is, that you'll always WANT!

So why is there 2 threads about this??

Where are you going to need that extra 250cc? Go with the 750 and when time and experience permit, step up to the 1000.

Go small. I started on a 50cc bike. I know what it is like to be 16 and have a motorcycle. Trust me, you will be stupid on it.

I'm glad I started on the 650, I think starting on a 1K might have led me to make some dumb decisions...

Hope this will help you decide... From the Beginner Bikes site (http://www.beginnerbikes.com/editorials/formequalsfunction.htm) False Logic On about a three month interval, a whole slew of questions pop up on the BB forum from potential riders trying to convince the community that a 600cc sportbike is a suitable first ride and then proceed to explain to us why they are the exception. I can almost set my clock to this pattern of behavior since it is almost swarm-like. I guess the newbies figure by swamping the forum with the same questions in lots of places we might trip up and endorse such a machine. Hasn't happened yet but they keep on trying. For those of you that come to Beginner Bikes trying to convince us to endorse a 600cc sportbike, I offer you the following responses to your arguments. I can only afford to get one bike so it might as be the one that I want. I don't want to go through the hassle of buying and selling a used bike to learn on. These two lines of reasoning pop up as one of the more common arguments. I am going to offer first a piece of wisdom which is stated with great regularity on the forums: This is your first bike, not your last. Motorcycle riders are reputed to change bikes, on average, once every two to three years. If this is the case (and it appears to be based on my observations), the bike you learn to ride on will not be in your garage in a few years time anyway whether you buy it new or used. You're going to sell it regardless to get something different, newer, more powerful, more comfortable, etc. Yes, buying a bike involves effort and a financial outlay. Most of us simply cannot afford to drop thousands of dollars on a whim every time we want to try something new. Getting into riding is a serious commitment in time and money and we want the best value out it as much as possible. However, if you can afford to buy outright or finance a 600cc or up sportbike that costs $7000 on average, you can probably afford to spend $2000 or so on a used bike to learn on. Most of the beginner sportbikes we recommend here (Ninja 250/500, Buell Blast, GS500) can all be found used for between $1500-$3000. Done properly, buying and selling that first bike is a fairly painless process. Buying a used bike is no harder than buying new. I would argue it is a bit easier. No different than buying a used car from a private seller. If you've done that at least once, you'll know what to do in buying a used bike. Selling a beginner bike is even easier. You want to know why? Because beginner bikes are constantly in demand (especially Ninja 250s). These bikes spend their lives migrating from one new rider to the next to act as a teaching vehicle. It is not uncommon for a beginner bike to see four or five different owners before it is wrecked or junked. There are a lot of people out there looking for inexpensive, reliable bikes and all of our beginner recommendations fit into that category. If you buy a used Ninja 250R for $1500, ride it for a season or two, you can be almost guaranteed that you will be able to resell that bike for $1300 or so when you are done with it provided you take care of it. And on a bike like the Ninja 250R, the average turnaround on such a sale is two to three days. No joke. I had five offers on my Ninja 250R within FOUR HOURS of my ad going up on Cycle Trader. I put the bike on hold the same day and sold it four days later to a fellow who drove 500 miles to pick it up. My bike never made it into the print edition. Believe me, the demand is there. And look at it this way: For those one or two seasons of riding using the above example, excluding maintenance costs which you have no matter what, you will have paid a net cost of $200 to ride that Ninja. That is extremely cheap for what is basically a bike rental for a year or two. Considering it can cost $300 or more just to rent a 600cc sportbike for a weekend (not including the $1500-$2000 security deposit), that is economic value that you simply cannot argue with. - :leaving:

Bulldogg....your 16. Wanting to get the 1K is just being a SQUID. Start small like everyonme is advising you. Its the best thing to do. We have all been riding for a very long time and some of us longer then you have been alive. So I am going to guess that we have more experience then you and only trying to help you with this. Best of luck with your choice but we all hope you listen to us. :dthumb:

I say it is all about the rider. So people can understand that trouble only comes with no self control and riding outside the riders abilities. I say go big and grow into it! There is nothing wrong with starting small but the problem is, that you'll always WANT! Yeah, but wanting is what drives us to get better and improve ourself. :seeya:

Yeah, but wanting is what drives us to get better and improve ourself. :seeya: I agree. Starting big and growing into it is just asking for trouble. He'll have way to much to play with and if hes not ready for it and trys to open it up....then what. We all now what could happen. I'm saying start small and be smart.

So why is there 2 threads about this?? I was thinking the same thing...i think the MOd needs to move this one over to his other thread. :dthumb:

Man, you are young, in the right part of the game to do things right for the future. Get something small, I suggest a Ninja 250R, ride it on the street and take it to the track. I WISH that is how I would've done things!!!

I will agree with the above statements. We know how bad you want the new bike and why. Heck, you like the looks of it and think your friends will too. You want something that nobody has owned before because you can't be sure of it's condition. You think you're getting a great deal at the dealership and you're afraid you won't get this opportunity again. You have the money. But trust us, buy used and save the rest of your money. You will be able to sell it or trade it in at a later date for another bike. As far as the "deal" you're getting at the dealership, there WILL be others. Buy at the end of the month, or at the end of the riding season when they are trying to clear thier inventory. There is nothing wrong with moving up slowly and you most likely won't lose a fortune. They only way you may lose a lot of money is if you wreck it and it's not properly insured. However, you stand to lose more on a new bike if you wreck it. Please, be smart and start small. I'm on my third used bike and it's a Katana 600. I plan to move up to a GSXR 600 either this year or next. There is no shame in starting small.

Yeah merge them!!

Yeah merge them!! Look...we asked him earlier this day and he still hasn't done it. Lets beat him. :bash: :lol:

hold on hold on..doing it now..sheesh, impatience is definately one of ur virtues!! :lol: Done

Heck with all that!! Get the '05 GSXR 1K, get some full coverage on it. leave the dealer, hit the h/w! Twist the throttle wide open and don't back off till you run out of RPM's in 6th gear! If you are able to stay on the bike and not wreck it! Wind er down to about 60 put er in first gear and pull the front wheel up and hold it up till you run out of RPM's and then try to shift it to second! If you make it this far, you better watch out because you're about to land the front wheel onto the trunk of that Saturn in front of you!! Bring it down, grab tons of front brake and flip it end over end over end untill the bike is nothing but a frame and a few un-recogonizable parts hanging off!! Call you insurance, place a claim on the bike that still has a paper temp plate on it! Then all of us that are still riding can reap the benifits of higher insurance rates!! THANKS!!! :cursin:

Nice one Gas Man. :dthumb: :lol: :lol:

Oh, yeah I forgot! Then we, WOS, can ride down to where ever you are, and pelt the living ***** out of you for being a SQUID!! :dupe: YEAH, why don't you do that like every other rookie!!! It might be interesting to say the least!! :lol:

get the 650. you wont regret it. like other riders here have said, if you have to ask, you dont have to ask. You wont know what your missing cuz your 16 and your gonna have SOOOOOO much fun on that bike. also, you can get yourself into trouble with that bike too!!! so take it slow and learn the bike! i got my first bike when i was young too, a katana, and i crashed it after a week cuz i thought i was the bomb. then i had no bike, a broken ankle, and owed alot of money. good luck with your decision! let us know how it goes..... :dthumb:

Yeah, but wanting is what drives us to get better and improve ourself. :seeya: Yeah but also you have to be confident. You told me that awhile ago, Matt. :)

No flaming intended! :here: It seams with that you have been around this forum long enough to know the reply. I stated in another post of yours, big difference in dirt to street. Start small & cheep! 250, 500, entry level 600. (ex.SV 650) find a used one for a couple grand, ride it for a year or so. Sale or trade it for what you really wont. :iagree: Jeeps84 has hit the nail on the head here, most importantly START SMALL AND CHEAP! I think you should look for a used sv650 - that is a great bike and have heard positive after positive on this bike. After you get a season or two down on the street (and YES, big difference in dirt to street) then look for something more, or bigger if you prefer. I think it is the DUMBEST thing when I see first time street riders (and yes, even those that have experience on dirt, etc) going out and buying big bikes. This is a big factor why 90% of insurance co's charge $4,000+/year just to insure 1K's, new riders on bikes to big get themselves in trouble and end up with so many claims on the 1K. Good Luck, and be smart! :)

First of all, a 16 year old kid has NO buisness on a 1000cc sportbike, not unless he is factory sponsered and riding on a track. Second of all, chances are you will NEVER even come CLOSE to experiancing the limits of what even a 600 sportbike can do, so why jump head first into something even bigger... Buy a small bike and try to have some fun without killing yourself, and for ****s sake buy some decent gear.

Forget about the SV1000 for now. Get a 1000cc when you are too old, fat, or lazy to shift gears. You wouldn't be able to afford the insurance anyway. If you like the V-twin idea, look for a late 80's Honda VTR250. This half-Interceptor would be just like a dirt bike for the street. It'll keep up with the 1000's in the curves, and you can afford half a dozen of them (if you can find em').

Where's the fun in all of that??? Just do it!! Quote of the day: "Live once, wreck many times!!!"

Quote of the day: "Live once, wreck many times!!!" Unless you were a "Super Squid" when you wrecked the first time and that first wreck killed you. Then the quote would be, "Live once, wreck once and die because you were an idiot and bought a bike WAY above your abilities and ran it as hard as you could while you were wearing shorts, T-shirt, and sandals." :lol:

Forget about the SV1000 for now. Get a 1000cc when you are too old, fat, or lazy to shift gears. You wouldn't be able to afford the insurance anyway. If you like the V-twin idea, look for a late 80's Honda VTR250. This half-Interceptor would be just like a dirt bike for the street. It'll keep up with the 1000's in the curves, and you can afford half a dozen of them (if you can find em'). actually the insurance for just liability is only like 850 a YEAR for me ???? idk why but icalled and that what they said and the thing is that i love the LOOK of the bike and i am a smart rider took me months to get to 2nd on my 250 dirtbike and i started big on that when i was 7 years old!! so i think i could handle it but i guess you guys are the experienced ones so i havent made my desicion yet but u guys have helped i still have to wait a couple of months and i am taking the MSF in a week! :seeya:

Unless you were a "Super Squid" when you wrecked the first time and that first wreck killed you. Then the quote would be, "Live once, wreck once and die because you were an idiot and bought a bike WAY above your abilities and ran it as hard as you could while you were wearing shorts, T-shirt, and sandals." :lol: i dont care what people say if im a SQUID or w/e but i just want to know if the bike is TOOOOOOO powerful even thought i wouldent dtop it out or w/e but i just love the look and the insurance isnt bad so i guess it is the bike for me but you guys are kindof bringing me back to the 650!!!!! jerks lol jk

oh and i am buying DECENT gear and will wear it!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! so quit with the squid thing

actually the insurance for just liability is only like 850 a YEAR for me ???? idk why but icalled and that what they said Ok, two points on the insurance quote: 1. If you can only afford liability, DON'T buy a new bike. If you wreck it and it's your fault, you're HOSED. You will still have to payoff the bike, but you won't get any insurance money for it. Liability only covers the OTHER person if the accident is your fault, it doesn't cover your stuff. 2. $850 per year is HIGH, especially for liability only. I know you're 16 and that is the reason for the extremely high quote, but DAMN! I'm paying less than $200 for a full year for liability. Full coverage would be less than $400 a year for me, but I don't need full coverage on my bike. If I wreck it, I'm out a little bit of money, but that's my choice. Based on the insurance quotes and the fact that you only want liability, I now increase my recomendation and suggest that you ONLY buy a used bike and really recommend less than a 600 for your first bike. I HIGHLY suggest checking for quotes on bikes of various years and models. Go to http://www.progressive.com and you can get several different quotes and do a "what-if" scenario. If you get a ticket on that brand new bike, your insurance will go up even more. Just want you to be completely informed. There is no shame in starting small on an older bike. Honestly. Don't just jump into it, please.

i really appreciate that but that isnt that much money for the insurance i was expecting and i am also willing to chance the wreck thing because i would rather pay money to fix it IF i wreck then pay a couple thousand a year just incase i wreck i will pay for the whole bike in a years or two with full coverage!!! and i think i understand all the wrisks but i havent made up my mind yet !!!!!!!!!!!!!!!!!!!!!!!!! dam you guys made it a hard choice i have a couple months to sit on it so ill let you no my decision before i buy the bike it either a 2003 sv650 s or a 2003 sv1000s i love both the bikes (one more then the other but that is the issue lolo) thanks for your :2cents:

thanks for your :2cents: Well, over the course of the last couple weeks, I've probably given you MUCH more than my two cents. But like I said in one of my other posts, it probably doesn't matter what advice we give you, because you will most likely do what you want anyway. Which is what you just told me above. ;) At any rate, I have given all the advice I have, so I hope everything goes well with your purchase and your future riding.

Bulldog...you asked us to stop with the "Squid" remarks....stop acting like one. You are not going to be able to walk off or drive off the dealers lot with a new bike WITHOUT full coverage to begin with. If there is going to be a lien on the bike..meaning, the bank is going to be holding the title till you or mommy and daddy pay it off, they require FULL COVERAGE. So stop looking at a 1000CC bike and a new one for that matter and listen to us when we tell you to buy a small and used one. your 16 and just by listening to you on here, I know your going to either a) drop it or b) wreck it. Not trying to be hard on you...but it happens and you need to learn this. better to listen to us now and save alot of money now then just waste it down the crapper.

you keep saying you love the look of the larger bike. dont these two bikes look relatively similar to each other??

For the most part they do. 650 first pic and 1000 second pic.

Bulldog...you asked us to stop with the "Squid" remarks....stop acting like one. You are not going to be able to walk off or drive off the dealers lot with a new bike WITHOUT full coverage to begin with. If there is going to be a lien on the bike..meaning, the bank is going to be holding the title till you or mommy and daddy pay it off, they require FULL COVERAGE. So stop looking at a 1000CC bike and a new one for that matter and listen to us when we tell you to buy a small and used one. your 16 and just by listening to you on here, I know your going to either a) drop it or b) wreck it. Not trying to be hard on you...but it happens and you need to learn this. better to listen to us now and save alot of money now then just waste it down the crapper. nobody but me is paying for it i am making payments my mom is just cosigning the bank aint got nothin to do with it

For the most part they do. 650 first pic and 1000 second pic. you have the wrong models!!!!!! the 650 is right but the 1000 is wrong!!!

http://www.suzukicycles.com/Products/SV1000SK5/Default.aspx http://www.suzukicycles.com/Products/SV650SK5/Default.aspx i dont know how to do pictures but look here

kinda the same but my thing is i like one better then the other and im payin for it with a LOT of work so i want what i want but you guys are getting me leaning toward the 650 SO CHILL OFF THE SQUID newbie not squid!!!!!!!!!!!!! :bash: jk i know i am acking foolish but i am kinda cheap!

you have the wrong models!!!!!! the 650 is right but the 1000 is wrong!!! I was going to say the same thing...but good going anyway Carrie... The 1000 pic there is just not the S model or whatever.... they do look very similar. I'm not even going to touch the squid comments....seems to be very touchy subject...I already voiced my wonderfull world suggestion above... :dupe:

you have the wrong models!!!!!! the 650 is right but the 1000 is wrong!!! The 1000 is right. It is the SV1000. Not the "S" model do to it missing fairing. :skep: Just remove the 650s sticker and tell everyone that it is 1000. You couldnt even tell the difference between them. Plus that would be the squidly thing to do.

That's it Twisty???? That's all you're going to say??? I thought for sure you'd have a field day in this thread!!

One of new resolutions it to be nice. Plus I have been in this kids shoes. I know the temtations that he is feeling.

One of new resolutions it to be nice. Plus I have been in this kids shoes. I know the temtations that he is feeling. I know the temptations as well. The only problem is that he came in here asking for advice and the vast majority gave him the same advice. "Don't buy a new 1000 or even 650. Buy a USED bike, and smaller size." However, he has stated that he doesn't want to listen and that he's going to do what he wants with his money. Fine, that's his choice, but there is no point in asking for advice if he's not going to listen. We all tried to convince him, but he's 16 and will do what he wants. Anyway, as for the "bank ain't got nothing to do with it" comment from bulldog: Uh, the bank is LOANING you the money. Whether it's through the dealership or whatever, the money is being LOANED to you, that's why it's called a "lien on title" and you need a cosigner because you haven't establised any credit. When a dealership "finances" the vehicle, they do it through a bank. And when a bank (even through a dealership) loans you money for a vehicle, they want you to have full coverage on said vehicle so the loan will be paid off in case of a total loss (bad wreck where the vehicle can't be repaired). So, if you aren't paying for the bike in full, and you are getting a loan based on the vehicle, you will need full coverage insurance. Plain and simple. Your other choice is to get a personal "unsecured" loan (they just give you the money without having any collateral) and then you go in and hand the dealership a cashier's check for the bike. Only problem with this is that interest rates are much higher for a personal loan than for a "secured" loan. Please note, none of the above is advice, it's just information. Don't take my word for it, though. Call the dealership and ask if you need full coverage on a bike if you finance it through them.

actually, the scary thing is.....Suzuki credit does NOT require you to have insurance. I filled out a credit application, went to burger king had a whopper value meal (with barbeque sauce on the whopper :wink: ) then came back the the dealer an hour later and the bike was ready with a temp plate (a NH thing) and then i drove it home. So as crazy as it is, suzuki, does not require insurance. maybe its a credit rating thing?? i dunno, but i know this because when they said "your bikes ready" i said "dont you need an insurance binder first" and they said no.

actually, the scary thing is.....Suzuki credit does NOT require you to have insurance. I filled out a credit application, went to burger king had a whopper value meal (with barbeque sauce on the whopper :wink: ) then came back the the dealer an hour later and the bike was ready with a temp plate (a NH thing) and then i drove it home. So as crazy as it is, suzuki, does not require insurance. maybe its a credit rating thing?? i dunno, but i know this because when they said "your bikes ready" i said "dont you need an insurance binder first" and they said no. Good choice in value meal. :lol: I know its not a credit thing. You can have a perfect score and if it is required, then you will need to have it. That is the first time I have heard of not needing insurance or even full coverage on anything when buying it like a car or bike. I have lived in a lot of different states, and I mean alot of them, and have never heard of this. What state is this that requires not insurance??

Good choice in value meal. :lol: I know its not a credit thing. You can have a perfect score and if it is required, then you will need to have it. That is the first time I have heard of not needing insurance or even full coverage on anything when buying it like a car or bike. I have lived in a lot of different states, and I mean alot of them, and have never heard of this. What state is this that requires not insurance?? Its not the state not requiring it, its Suzuki credit card not requiring it, which is how they do (or try to do) most of their financing instead of a regular loan financed through a bank. My gsxr is on the Suzuki card and I took off the insurance for the winter (kept only fire & theft) - if it was bank financed you would be required to have their limits/coverages as the bank is "technically" the owner on it and wouldnt be able to lower/remove coverage.

Good choice in value meal. :lol: I know its not a credit thing. You can have a perfect score and if it is required, then you will need to have it. That is the first time I have heard of not needing insurance or even full coverage on anything when buying it like a car or bike. I have lived in a lot of different states, and I mean alot of them, and have never heard of this. What state is this that requires not insurance?? I agree. I've never heard of any loan for a vehicle that did not need full coverage insurance on said vehicle. But hey, if bulldog can get away with it, then more power to him. I, personally, would not have a loan on a vehicle without full coverage insurance. Some things CAN'T be fixed, like extremely twisted frames. BUT, bulldog is a big boy and KNOWS that he can handle any bike, regardless of his skill, and he KNOWS that nobody will ever pull out in front of him as well. So, let him have a loan on a bike and not have full coverage. He'll be fine, no doubt about it in his mind. And now, I'm done. :lol:

Its not the state not requiring it, its Suzuki credit card not requiring it, which is how they do (or try to do) most of their financing instead of a regular loan financed through a bank. My gsxr is on the Suzuki card and I took off the insurance for the winter (kept only fire & theft) - if it was bank financed you would be required to have their limits/coverages as the bank is "technically" the owner on it and wouldnt be able to lower/remove coverage. That's not a bad idea there, Pippi. What is their interest rate? It would be nice to lower coverage in winter when you aren't riding the bike.

:doh: :rofl: :rofl3:

actually, the scary thing is.....Suzuki credit does NOT require you to have insurance. I filled out a credit application, went to burger king had a whopper value meal (with barbeque sauce on the whopper :wink: ) then came back the the dealer an hour later and the bike was ready with a temp plate (a NH thing) and then i drove it home. So as crazy as it is, suzuki, does not require insurance. maybe its a credit rating thing?? i dunno, but i know this because when they said "your bikes ready" i said "dont you need an insurance binder first" and they said no. The reason is because Suzuki creat a revolving credit account for you. Not a installment loan. So it like putting it on a credit card....

One thing to point out about Insurance companies... (At least here in Texas) if the price of the bike is over 9,999.00 you are required by law to have Full coverage... If you can keep the price of the bike below that, then you just need to carry Liability. So regardless of how the bike is purchased, if purchased from a dealership he will be required to have full coverage… and if Liability was going to cost him around 800.00 a year then Full coverage will ring in about 5,500 – 6,000+ a year. Dude you better do your homework cuz going all out is going to cost you A LOT…and don’t ever make a mistake cuz having and buying a bike is the first part… Plus if anything ever happens to you your mother is responsible for paying off the bike... There is so much more that will come after… you should understand that if you own dirt bikes… Just my... :2cents: - :leaving:

The reason is because Suzuki creat a revolving credit account for you. Not a installment loan. So it like putting it on a credit card.... If you don't mind...what's the interest rate on that?

If you don't mind...what's the interest rate on that? 6.9%

I know the temptations as well. The only problem is that he came in here asking for advice and the vast majority gave him the same advice. "Don't buy a new 1000 or even 650. Buy a USED bike, and smaller size." However, he has stated that he doesn't want to listen and that he's going to do what he wants with his money. Fine, that's his choice, but there is no point in asking for advice if he's not going to listen. We all tried to convince him, but he's 16 and will do what he wants. Anyway, as for the "bank ain't got nothing to do with it" comment from bulldog: Uh, the bank is LOANING you the money. Whether it's through the dealership or whatever, the money is being LOANED to you, that's why it's called a "lien on title" and you need a cosigner because you haven't establised any credit. When a dealership "finances" the vehicle, they do it through a bank. And when a bank (even through a dealership) loans you money for a vehicle, they want you to have full coverage on said vehicle so the loan will be paid off in case of a total loss (bad wreck where the vehicle can't be repaired). So, if you aren't paying for the bike in full, and you are getting a loan based on the vehicle, you will need full coverage insurance. Plain and simple. Your other choice is to get a personal "unsecured" loan (they just give you the money without having any collateral) and then you go in and hand the dealership a cashier's check for the bike. Only problem with this is that interest rates are much higher for a personal loan than for a "secured" loan. Please note, none of the above is advice, it's just information. Don't take my word for it, though. Call the dealership and ask if you need full coverage on a bike if you finance it through them. first of all if you read what i wrote you would see i AM taking your advise second i have CASH that will be the down payment NO LOANS i will pay payments on it after that with MY OWN MONEY and my mom is co signing because i think she has to but that is her part of the thing (she deals with the money stuff) but i got about 1600 and some will got to gear and then the down payment and i am thinking of the 650 still and the look is very different frome the 650s to the 1000s if you look at the link i did earlier :dthumb:

actually, the scary thing is.....Suzuki credit does NOT require you to have insurance. I filled out a credit application, went to burger king had a whopper value meal (with barbeque sauce on the whopper :wink: ) then came back the the dealer an hour later and the bike was ready with a temp plate (a NH thing) and then i drove it home. So as crazy as it is, suzuki, does not require insurance. maybe its a credit rating thing?? i dunno, but i know this because when they said "your bikes ready" i said "dont you need an insurance binder first" and they said no. yamaha dosent require insurance either my dad dident even have his motorcycle licence and they let him drive it off the lot!!!!! (he is stupid NOT me)

One thing to point out about Insurance companies... (At least here in Texas) if the price of the bike is over 9,999.00 you are required by law to have Full coverage... If you can keep the price of the bike below that, then you just need to carry Liability. So regardless of how the bike is purchased, if purchased from a dealership he will be required to have full coverage… and if Liability was going to cost him around 800.00 a year then Full coverage will ring in about 5,500 – 6,000+ a year. Dude you better do your homework cuz going all out is going to cost you A LOT…and don’t ever make a mistake cuz having and buying a bike is the first part… Plus if anything ever happens to you your mother is responsible for paying off the bike... There is so much more that will come after… you should understand that if you own dirt bikes… Just my... :2cents: - :leaving: full coverage isnt a MUST is it???? even if the bank dosent have anything to do with it?

full coverage isnt a MUST is it???? even if the bank dosent have anything to do with it? unless you wanna pay for the repairs outta pocket when you go down, ( and yes I said WHEN you go down) or go bikeless till u can buy a new one...you ALWAYS carry full coverage on your bike if its humanly possible for u to do so. All riders go down at some point..its not IF...it's WHEN! so the more you can get somebody else to pay for, the quicker u'll be back in the saddle.

Ok partner, your starting to sound like a squid to me. Get full coverage. Trust me, I was 16 with a sportbikes too. THings happen. You dont have the cash to make the repairs yourself trust me it is expensive.

full coverage isnt a MUST is it???? even if the bank dosent have anything to do with it? Unless you buy from somebody, Cash... Yes it is a MUST... Banks want to make sure they are able to resale the bike if you can't pay it off. I would recommend that for a first bike... Buy used and try to keep it a much under 7,000 as possible so when you drop it It doesn't hurt as bad in your pocket. if you attempt to buy new, The Finance company / Bank will require you to have full coverage.. If you question that, Pick out some random bikes call your insurance company (or any other one) and ask them what it will cost you to cover it... For a matter of fact pick a couple of different types of bike and find out... You will find out that being 16 and riding a bike will blow your rate through the roof... All you have to do is do your homework and find out... - :leaving:

Ok partner, your starting to sound like a squid to me. Twisty never beats around the bush! :lol:

You could get a used Ninja 250 for under $2k if you looked a bit... You could stick liabiltity only on that and it would probably be about 150-200 bucks PER 6 months...

My guess as to what will happen: We'll continue to give advice that will fall on deaf ears, then he'll get mad because we say he isn't listening, then he'll leave TWF. All I can say is this: bulldog, don't get mad at us. We're trying to give you sound advice that you need to do your homework BEFORE making the purchase. Check insurance rates on bikes for FULL coverage if you can't pay the bike in full when you buy it. You say that you will have a $1600 cash downpayment. Now, you say you will also be making payments. Let's say that you get the Suzuki credit card and make payments through that so that you don't NEED full coverage just to get a loan. Now, let's give an absolute worst case scenario (aside from death): you wreck the bike to a total loss within the first month and the accident is your fault and you only have liability (which ONLY covers the guy you hit, NOT you). Now what? You STILL have to pay back the full value remaining on the "loan" and now you don't have a bike to ride. Also, if you don't have adequate medical insurance and you spend a couple weeks in the hospital, you'll have those bills to pay. The absolute WORST case would be that you get killed in a wreck and your mom has to pay off the bike as well as the medical bills (from the ambulance and any work the EMT's did to try and save you), plus she has to pay for your funeral. None of this even comes close to the cost of losing her son because he dove in over his head and bought too much bike to begin with. Now let's give another scenario, not worst case: You ride the bike for four or five months and you get confident, and then you go down in a turn because you thought you could handle it at a higher speed than normal. Now what? You have to pay for the repairs out of pocket. You'll probably have at least one broken footpeg and a brake or shift lever. You'll also have a couple busted turn signals, some severely scratched (if not broken) plastic, a scratched case cover and a scratched frame. You might even have a cracked windscreen. Heck, it might not even be over-confidence that causes the wreck. You might blow out a front tire (it DOES happen) or you may just catch some gravel in the middle of a turn. Or, a car could cut you off, causing you to run off the road, and then the guy in the car leaves with no witnesses. No matter what happened, you still have to repair the damage out of pocket because you didn't have full coverage insurance. Now, go do your homework and add up the costs of all of those items. And don't forget paint for the scratched frame. Plus, you may have to have the plastics painted too. Check ebay for parts, and also call your dealer. You'll be surprised at the cost. NOW, add 15% to that amount because you will have surely forgotten something in the calculations. ALL of those costs will come out of your pocket because you don't have full coverage insurance. My ABSOLUTE best advice for you is that if you absolutely DON'T want full coverage insurance, then buy a bike that you can pay in full immediately. Just remember, you'll still have to pay for repairs out of pocket. And twisty is telling the truth, those repairs ARE expensive. Don't forget that you need to be able to afford gear, or those medical bills will be MUCH higher. Save some money for awhile if you can't afford it right away. The deals will still be there next year. Check out this link for prices on the bike you're looking at. http://www.alpha-sports.com/suzuki_parts.htm How much do you want to spend out of your pocket? What if it's a total loss and you have to pay for the entire bike and NOT even have it anymore? I hope I'm getting my point across.

... Check out this link for prices on the bike you're looking at. http://www.alpha-sports.com/suzuki_parts.htm.... [ :jacked: ] Nice site for Suzuki but do you know of one for Kawasaki?? [/ :jacked: ] - :leaving:

[ :jacked: ] Nice site for Suzuki but do you know of one for Kawasaki?? [/ :jacked: ] Try http://www.buykawasaki.com/

Captain, my dad tried to talk sense to me years ago, but I just had to go and learn from my own mistakes. Luckily, they weren't real big mistakes. After that, I asked for and listened to most of his advice. When someone asks for advice, you give it. What they do with it isn't up to you.

Captain, my dad tried to talk sense to me years ago, but I just had to go and learn from my own mistakes. Luckily, they weren't real big mistakes. After that, I asked for and listened to most of his advice. When someone asks for advice, you give it. What they do with it isn't up to you. Good point. I'm just trying to save the kid some money and a lot of hassle. But you're right, what he does with the advice is his choice. AND, since he's sixteen, he most likely won't listen ( I was there once, so I know from experience as well :lol: ). He has his heart set on a new bike, so he will most likely buy the new bike, regardless of additional costs later on down the road. But hey, maybe I'm way off base. Hopefully, he will continue to remain on TWF and keep us updated (truthfully) as to what happens in the future (what he buys, how he likes it, whether or not he wrecks, etc.). :cheers:

first of all if you read what i wrote you would see i AM taking your advise Well, not really, because most of us are advising you to buy a USED bike, and even something smaller than a 600 to start. Go back to page one and read the LONG post from Low that had a quote from another forum. But as no worries pointed out, we just have to give the advice you requested, we don't have a choice as to whether or not you listen. second i have CASH that will be the down payment NO LOANS i will pay payments on it after that with MY OWN MONEY and my mom is co signing because i think she has to but that is her part of the thing (she deals with the money stuff) but i got about 1600 and some will got to gear and then the down payment and i am thinking of the 650 still Also, if you are "making payments", then you are being "loaned" the money. It sounds as if you are doing the Suzuki credit card thing at the dealership, but you are still being "loaned" the money to buy the bike, no matter where the payments come from. As for your mom "cosigning", I would say one of two things. She's cosigning for the "credit card" because you don't have any credit history (obviously the case since you're 16) and she's also giving the dealership her authorization for them to sell you the bike. Even if you had cash and walked into the dealership, they would want an adult signature (if they're smart). Otherwise, since you're a minor and you don't NEED the bike, you could go in and buy it with cash, then take it back on the day before you're 18th b-day and tell them you want your money back and you "didn't know what you were doing when you signed the contract". Legally, they would have to take the bike back and return your money to you because minors can't legally sign contracts unless you were supporting yourself and the contract is for a necessity. Just wanted to clear a couple things up for you.

thanxs again even though you dont think i am i really am following your advise or at least i am meeting in the middle betwen your ideas and mine!! but thank you guys and i will keep you posted and will stay here i asked for your opinions why would i get mad and leave when you give them to me thanks and the idea in mind right now is that i am looking at the 2003 sv650s it is cheaper then the 2004 2005 models and i just feel like if i buy it from the dealership you have a guarintee that it will work!!!! i am afraid of buying it used then be stuck with a messed up bike!!! so the 1000 is still in my head but i dont think i will get it this year :wink:

Looks like there is lot of great advise in here and we can only hope that you follow and listen to us since we all have already been where you are now. We all are trying to help you out so you get the best bike for a newbe on the street. All I can say is listen to us...we have been there and already done it. we know what we are talking about. Its good you are not leaning towards the 1000...but it is still best to get a used bike.

Good luck! and for god sakes, whatever you do for insurance or a bike.. don't ride 10 ft. without full gear on!!!!!

And remember it is not the size of the bike, its how you use it that matters.

And remember it is not the size of the bike, its how you use it that matters. :jacked: Is that your bike or what your talking about?? LOL Sorry. :lol:

And remember it is not the size of the bike, its how you use it that matters. and the problem is, the size dictates, many times, how its ridden..unfortunately..

:jacked: Is that your bike or what your talking about?? LOL Sorry. :lol: Hey hey. I race my bone stock 750 with the 1000's and the rider makes the difference

and the problem is, the size dictates, many times, how its ridden..unfortunately.. And that would be the definition of a squid!

i see on your signature that he is draggging his knee now i hear all this talk about that on bike shows and stuff does that help you stablise the bike or something?????? or is it just fun

Dragging your knee on the track is essential ! It's not an option ! In normal everyday street riding, its not necessary for the most part.

why is it essential ???? :bonk:

why is it essential ???? :bonk: Because hanging off the bike allows you to change the center of gravity of the bike, therefore, allowing you to keep the bike more upright for traction while you turn. However, the faster you go, the more you need to lean. So, you will be hanging off and dragging a knee, and there will still be times when you have the bike at full lean. I highly suggest you order this video: http://www.ridegear.com/cgi-bin/Sof....html?E+scstore and that you also go to amazon.com and search for the books (Twist of the Wrist I and II). There are also several other good books out there on the topic. Check amazon.com or your local book store for others. They will be able to describe it much better than I can. Plus, you'll learn a LOT about riding, both for the street, and track. Even if you NEVER plan on going to a track day, these books will help you. Trust me.

is there free stuff on that topic ??? kinda savin up and dont really order stuff over the internet thanx

is there free stuff on that topic ??? kinda savin up and dont really order stuff over the internet thanx Well, I imagine you could probably find something somewhere on the net, but I haven't searched for it. But I can promise you this, it will be money well spent, even if you just buy one book. I think one of these books should come with every first (street) motorcycle. Here is a link to amazon, then just type "Twist of the Wrist" in the search bar: http://www.amazon.com You can get a used copy of the book even cheaper. I would suggest either "Twist of the Wrist" or "Total Control". I can PROMISE that it will be one of the best investments you can make for your riding. If you don't want to buy over the internet, you can go into any bookstore and order a copy, but you will be buying a brand new copy and paying that price. Just spend $20 or less on ONE book, it WILL be worth it and it won't exactly kill your savings. You can buy the other books at a later date.

thax :clap: :rofl3: your signature is hella funny

Bull, try to rent Twist of the wrist and/or Faster!!

Bull, try to rent Twist of the wrist and/or Faster!! rent how do u rent a book ???? u meen like check it out at a library ( not tring to be a smart ass im serious) :skep:

There is a Twisty of the wrist on DVD!

:lol: :dthumb:

Bull, try to rent Twist of the wrist and/or Faster!!rent how do u rent a book ???? u meen like check it out at a library ( not tring to be a smart ass im serious) :skep: Twist of the Wrist is on DVD, but good luck finding it at a video rental store. Faster, on the other hand, is all about the 2003/04 MotoGP so you will probably be able to find it. However, it's just a documentary and won't really teach you how to ride. ;)

:bonk: lol thanks