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4k ain't a bad price, I could afford that right now but I heard the insurance is a killer.
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The bike is a FZ6
(new model link
http://www.presto-corp.jp/lineup/04_...6-N-DRMK_s.jpg
http://www.mcjournalen.no/Yamaha05/ya%20fz6%2005.jpg )
And insurance depends also state from state. Washington only requires you to have property damage. It lowish. I'll find the exact quotes later.