Get ready for it cause its gonna hurt...27 years old...clean driving record for 12 years...no tickets, accidents or anything...I went from 83 Yamaha 550 Maxim @ $30 monthly to an 02 Yamaha R1 @ $137 monthly. Talk about kicked in the b*lls, and I live in El Paso where your bike can come up stolen right out from under ya. Taking the MSF course will knock off about 10 percent. Aside from being 40+ with a perfect record, in a farm town, in the middle of nowhere, with population 62, there ain't much to lower it. Or just go for a cruiser, not such a bad way to go if ya can't handle the high premiums.