NEWBIE here im young and my parents think im dumb. HELP

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gfisha32188
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NEWBIE here im young and my parents think im dumb. HELP

#1 Unread post by gfisha32188 » Mon May 07, 2007 1:37 pm

Ok, well I used to ride alot almost every day for about eh 2 - 3 years when I was 10-13 and I rode a 250TTR I loved it, it was awsome. Till that one day I crashed broke some bones ect ect. Well long storry short I sold my bike and yeah it sucked. I was scared to ride the bigest love of my life. I am now 16 and I can ride my friends 250 ninja pretty well and I want to get another bike. Heres the thing. My mom says she will have to finance it because I am not 18. Also I WILL HAVE A CAR. So if weather is bad I can still drive some where. Also I will have a full time job over summer and part time during school. Earlyer this school year I made a deal with my mom saying if I got all B's and better I could buy a bike. At the time having a .7 GPA and just kicked off the football team for injury from my motercycle geting worse a B avrage was looking imposible for me. Well here I am some months later and I have a 3.3 GPA. Here is the final stage of the delima. I will brake it down into these easy qestions.

Can I not get financed? * mom has bad cred * IDC about intrest i am willing to pay out the butt.
How much legal inscaurece cost me?* I said partiol insurnce to my mom and she wigged thinking it wasnt leagal or some BS. I just want to know what is the avrage price for a guy that is 16 and the cheapest I can find.
What kind of bike can I look at getting? New used? I am 6’3 and I am 220LB’s. I was looking at ninja 600r. Or CBR 600. Please I need help. Any info u can give me is fine. Also last option. Should I just save up till middle of next summer and buy the bike in full * used *? What is ur advice?

I am sorry my grammer is terriable as well as spelling flying threw this cause I am in the middle of creative righting and dont have alot of time I will cheack back

~ Gabriel
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#2 Unread post by Nalian » Mon May 07, 2007 1:53 pm

Until you're 18 you cannot be given credit without a cosigner (at least not in any state I've lived in). If your cosigner has bad credit its much less likely that you can even get it.

When you finance a bike you have to have full coverage insurance. This is a requirement by your financier because they want to make sure if you wreck they bike they aren't out $.

Were I in your shoes I'd save and buy a nice cheap used bike when I had the cash in hand. Then you can have the partial insurance and be fine. Paying for it outright will eliminate most of your issues.

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#3 Unread post by xb12rMatt » Mon May 07, 2007 1:57 pm

First things first, do not finance a bike. Save up for it and then buy it.

As for the bike, the CBR 600 and the ninja are nice bikes; however, I don't think it would be the best choice for you. You are still very young, and I'm not trying to sound rude but I don't think you will be mature enough to handle a 100+HP I-4 motorcycle. Look at something like the SV 650 or Ninja 650R or the ninja/gs 500 as a first bike.

Avoid the ninja 250 as a first bike. My friend bought one as a first bike and says anything around the city is nice, but the real thing he needs to do -ride highways- is very frustrating. It is difficult to maintain highways speeds on hills and is very difficult to pass cars or avoid dangerous situations.

Insurance for a brand new 16 year old on a CBR 600 will be over $1,000 a year.

Insurance on a ninja 500, Im guessing will be around 300-500.

If you are not in a good financial standing, the best thing to do would be to buy a used ninja 250. They are very cheap to insure and yet pretty fun to ride, (all bikes are fun aren't they?)
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#4 Unread post by storysunfolding » Mon May 07, 2007 2:48 pm

xb12rMatt- :wtf:

You recommend not buying a ninja 250 in the same post as recommending he buy a ninja 250?

From the first point I'd say that your friend doesn't know what he's doing. I rode a ninja 250 all over this weekend. It was quick and easy to get to 70 mph, the acceleration there was still better than a honda civic and I attained a top speed of 105 mph in short order. This included riding in hills and even against a head wind (Anyone in the DC metro area can attest to how windy it was on sunday).

I'll agree with the rest of it though. A 600 cc sportbike is expensive to buy, expensive to maintain, expensive to ride and expensive to insure- especially for a 16 year old.

Find a working used bike that's at or under 500cc, 500lbs and 50 horse power.
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#5 Unread post by xb12rMatt » Mon May 07, 2007 2:54 pm

storysunfolding wrote:xb12rMatt- :wtf:

You recommend not buying a ninja 250 in the same post as recommending he buy a ninja 250?

From the first point I'd say that your friend doesn't know what he's doing. I rode a ninja 250 all over this weekend. It was quick and easy to get to 70 mph, the acceleration there was still better than a honda civic and I attained a top speed of 105 mph in short order. This included riding in hills and even against a head wind (Anyone in the DC metro area can attest to how windy it was on sunday).

I'll agree with the rest of it though. A 600 cc sportbike is expensive to buy, expensive to maintain, expensive to ride and expensive to insure- especially for a 16 year old.

Find a working used bike that's at or under 500cc, 500lbs and 50 horse power.
I stated "If you are not in good financial standing". This means if you do not have the cash, go for a cheap bike, but just keep in mind that the highway abilities are not as great as the ninja/gs 500.


Okay so we have one person saying that a ninja 250 is an okay bike for the highways. Ask around, most will find that the ninja 250 can be an inconvience on the highway. Okay, so you rode for one weekend, how about riding it everyday months? You might change your mind. He rides around 50 miles of highways everyday to work. I would say go get more experience for yourself before you start talking down on people you don't even know.
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#6 Unread post by Damian » Mon May 07, 2007 3:06 pm

I'd also suggest getting a used bike that you can pay cash for. There are probably only a handful of good reasons for a teenager to get into debt, and a new motorcycle is not one of them.

Are you planning on working on it yourself? Do you have gear? Gas money? Those will be some added expenses that you may not have considered yet.
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aye

#7 Unread post by gfisha32188 » Mon May 07, 2007 3:11 pm

Aye uhh thats great and all how much will a ninja 650 R run me used? Are they hard to up keep? * Are they relieable? Can you keep them outa the shop?*

Thanks ~ gabriel.
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#8 Unread post by gfisha32188 » Mon May 07, 2007 3:12 pm

Damian wrote:I'd also suggest getting a used bike that you can pay cash for. There are probably only a handful of good reasons for a teenager to get into debt, and a new motorcycle is not one of them.

Are you planning on working on it yourself? Do you have gear? Gas money? Those will be some added expenses that you may not have considered yet.
I dont have gear but I can get and what do you mean by working on it you're self? If I can do a easy fix than sure but I dont know the mechanics of a bike that well.
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#9 Unread post by storysunfolding » Mon May 07, 2007 3:17 pm

xb12rMatt wrote:I would say go get more experience for yourself before you start talking down on people you don't even know.
Do you want me to have more experience on the ninja 250 or riding in general? Let's shoot for riding in general to begin with.

I have 19 years of riding time on motorcycles. I've owned over a dozen bikes from 50cc dirtbikes to liter bikes. I'm an MSF instructor. I've passed the BRC, the intermediate rider course, the ERC, Lee parks total control, dirt school, and cornering school. I plan to take the MSF sidecar course this year and the stayinsafe program. In that time I've ridden well over 100,000 miles. I logged 20,000 miles last year alone.

How about my experience on the ninja 250. Well you have me there. It's mainly confined to my recent instructor duties at the MSF BRC, and this past weekend. Luckily I have the vast knowledge of my friends with ninja 250's and the internet as a whole.

My cousin bought a 250 to learn on. Once he had his skills down he bought a new undamaged 250 as his daily rider. He goes to school 6 hours from home and goes back and forth on his bike. He's been doing that for four years. He loves the 250 on the interstate and recently even managed to be in a high speed chase from police at 90 mph b/c he didn't realize that the car behind him had a flashing light on the dash (undercover cop).

Now, you could believe what I tell you about my friends/family or you could research it yourself Check out a ninja 250 forum here http://faq.ninja250.org/wiki/How_does_t ... _riding%3F

Or maybe you want to hear about a guy who crossed the country on a 250.
http://www.theyeagergroup.com/ninja_250_BB1500_50CC.htm

Google the information. Unless you have only been talking to new riders who are afraid of speed or don't understand how the motor works (power is further up in the rpm range) it should be rather obvious that the ninja 250 can handle it's own.
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Re: aye

#10 Unread post by storysunfolding » Mon May 07, 2007 3:20 pm

gfisha32188 wrote:Aye uhh thats great and all how much will a ninja 650 R run me used? Are they hard to up keep? * Are they relieable? Can you keep them outa the shop?*

Thanks ~ gabriel.
They are a newer bike so they are harder to find used. I'd say easily about $4k. They aren't that hard to keep up if you can do the maintenance yourself and they will stay out of the shop as long as you take care of them. I think overall kawasaki makes a fairly reliable bike.


What he means by working on it yourself is can you diagnose what's wrong with your bike and fix it. Do you have a set of sockets and other tools? Wrenches? Torque wrench? Screw Drivers? etc

Speaking of gear, how much do you have budgeted? You'll want a helmet, jacket boots and gloves at the very least. That will easily cost $500 if not much more.
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#11 Unread post by Damian » Mon May 07, 2007 3:25 pm

Maybe we can agree that an ex250 is great, but isn't for absolutely everyone?
gfisha32188 wrote:
Damian wrote:I'd also suggest getting a used bike that you can pay cash for. There are probably only a handful of good reasons for a teenager to get into debt, and a new motorcycle is not one of them.

Are you planning on working on it yourself? Do you have gear? Gas money? Those will be some added expenses that you may not have considered yet.
I dont have gear but I can get and what do you mean by working on it you're self? If I can do a easy fix than sure but I dont know the mechanics of a bike that well.
I was just talking about things like drive chain replacement, carb cleaning, oil changes and other routine stuff. If you can do them yourself you'll be saving a lot of money, but if not, it can cost big $$. Just another expense to plan for is what I was saying.
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Re: aye

#12 Unread post by intotherain » Mon May 07, 2007 5:22 pm

storysunfolding wrote:
gfisha32188 wrote:Aye uhh thats great and all how much will a ninja 650 R run me used? Are they hard to up keep? * Are they relieable? Can you keep them outa the shop?*

Thanks ~ gabriel.
They are a newer bike so they are harder to find used. I'd say easily about $4k. They aren't that hard to keep up if you can do the maintenance yourself and they will stay out of the shop as long as you take care of them. I think overall kawasaki makes a fairly reliable bike.


What he means by working on it yourself is can you diagnose what's wrong with your bike and fix it. Do you have a set of sockets and other tools? Wrenches? Torque wrench? Screw Drivers? etc

Speaking of gear, how much do you have budgeted? You'll want a helmet, jacket boots and gloves at the very least. That will easily cost $500 if not much more.
Do 650Rs really go as low as 4,000? The lowest I've seen them is around 5,500. If they do I'll keep my eye out on one because it's in my price range for my new bike.

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#13 Unread post by intotherain » Mon May 07, 2007 5:24 pm

don't wanna start anything in someone's post
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#14 Unread post by Shorts » Mon May 07, 2007 5:45 pm

intotherain wrote:
Let him speak his opinions and you can speak yours, theres no right or wrong and there's no need to tell anyone that they don't know what they are doing.

Considering story was told "to get more experience", you're jumping on the wrong guy.


As for the OP, if it were myself, I would save as much cash in hand and find a used bike for sale. I think Nalian said that one best, especially due to the what insurance will run you for a new bike. I like buying used, and prefer it to new due to the financing and junk. Ofcourse, it'd be nice to walk in and drop cash on a new bike and to heck with all the financing paperwork!

Anyway, I think a nice 250/500 and possibly the 650R would do fine. If you're in high school, I don't think I'd want to tempt fate or any possible enemies or jerks by bringing a new bike/care to the parking lot. I remmber those days and lots of people who made enemies had keyed cars and random other vandalized damage. Some people just did it it of spite because it was a nice new car! Definitely I'd feel better if it was a used bike rather than my brand new a baby.

Anyway, take your time, stay patient and find the right bike. You did a great job on your gpa getting your grades up. That's awesome work and shows you're dedicated and willing to work hard. Keep it up, there definitely needs to be more good hardworkin' people in this world. And its refreshing to see a younger one doing it :) Good on your mom for compromising and understanding, and also for the willingness to help financially.

I think you have yourself in a good solid position to get to riding and to have your mom/family's support. That is excellent! All you should do is stay patient and stay smart in finalizing the rest of the decisions 8)

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#15 Unread post by intotherain » Mon May 07, 2007 6:12 pm

If you get a 600CC super sport you're going to be paying well over 2,000 a year. My insurance costs about 240/year on my 200cc right now will full coverage and I (for fun) checked how much the insurance would be with a R6 and a R1 and it would of been around $2,000/year and $4,000/year, and I've had my license for half a year before I went to the AAA office.


Just letting you know..

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#16 Unread post by darsek » Mon May 07, 2007 6:28 pm

How about saving up and buying your friends 250, he doesn't like it anyway! :D

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#17 Unread post by blues2cruise » Mon May 07, 2007 7:15 pm

Save up and wait until next year. You have your whole life ahead of you so waiting another year is probably a good thing.

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#18 Unread post by deejake » Mon May 07, 2007 7:22 pm

Hey i remember this guy from a few months ago...some people got pissed at you so you decided to make a new username? :lol: :lol: "I will take my bibble in the dark....and thats how i will see everything from now on." :laughing: :laughing: :laughing: :laughing:

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#19 Unread post by gfisha32188 » Mon May 07, 2007 8:08 pm

Shorts wrote:
intotherain wrote:
Let him speak his opinions and you can speak yours, theres no right or wrong and there's no need to tell anyone that they don't know what they are doing.

Considering story was told "to get more experience", you're jumping on the wrong guy.


As for the OP, if it were myself, I would save as much cash in hand and find a used bike for sale. I think Nalian said that one best, especially due to the what insurance will run you for a new bike. I like buying used, and prefer it to new due to the financing and junk. Ofcourse, it'd be nice to walk in and drop cash on a new bike and to heck with all the financing paperwork!

Anyway, I think a nice 250/500 and possibly the 650R would do fine. If you're in high school, I don't think I'd want to tempt fate or any possible enemies or jerks by bringing a new bike/care to the parking lot. I remmber those days and lots of people who made enemies had keyed cars and random other vandalized damage. Some people just did it it of spite because it was a nice new car! Definitely I'd feel better if it was a used bike rather than my brand new a baby.

Anyway, take your time, stay patient and find the right bike. You did a great job on your gpa getting your grades up. That's awesome work and shows you're dedicated and willing to work hard. Keep it up, there definitely needs to be more good hardworkin' people in this world. And its refreshing to see a younger one doing it :) Good on your mom for compromising and understanding, and also for the willingness to help financially.

I think you have yourself in a good solid position to get to riding and to have your mom/family's support. That is excellent! All you should do is stay patient and stay smart in finalizing the rest of the decisions 8)
Wow thanks for the great reply, and yes my mom kinda supports me. Her quote was " I would rather see you die smart than dumb" in case any one would like to use it lol.. Thinking of making a bumper sticker X D
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#20 Unread post by gfisha32188 » Mon May 07, 2007 8:10 pm

deejake wrote:Hey i remember this guy from a few months ago...some people got pissed at you so you decided to make a new username? :lol: :lol: "I will take my bibble in the dark....and thats how i will see everything from now on." :laughing: :laughing: :laughing: :laughing:
haha yeah thats me. People didn't get pissed at me my old Email is "messed" and I forgot my pass. I am getting smarter with my decisions and what not. I can now live with the fact it might be a year till I get my bike.
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