The reason insurance is so high is because there are too many 20 year olds go out and finance a new 600 instead of starting out on a used 250 or 500. (Americans as a whole always buy vehicles that are way too big, that leads to trouble when you're on 2 wheels, hence my desire for a 600RR) Anyways, the 20 year old makes one premium payment then totals the bike and nearly himself. The insurance company now buys the bike and pays his hospital bills.... and passes the expences on to guys like us who are in it for the long run. That's why 20 year olds crusing thru town with no gear and 1" wide chicken stripes piss me off. They're an accident waiting to happen, and when it does, the bike gets blamed. I wish they'd just stay in their Civics and Mustangs.
I pay cash when I buy. I put liability on it, and if I break something, I take responsibility for my actions and fix it myself. No one elce pays for my mistakes.
Meanwhile, how bout that photoshopped yellow 600RR?