i'm 18 in illinois, and am paying like 400 a year through progressive for just comprehensive.....i shopped around with a bunch of the bigger companies, and progressive seemed the best for me. I've got a 9R, its a really fun bike (i havent been on to many 600cc's, just a honda cbr once (not a long ride either) but my firebolt is very fun, as far as comfy....if i was to go back and buy my first buell all over again i'd probably go with a lightning just because they are more comfortable. and are very easy to make look awsome!