I had the same problem as a younger dude, my tastes were more mature than I was. I had a friend that I started riding with in high school. He had a taste for sporty bikes like myself. The difference was that his parents owned a little cottage on some island down in the Gulf that was mostly populated with golf carts. They'd insure his bikes through the same bedroom insurance company that was insuring their golf cart for relative pennies. Before we were really "adults" in the eyes of most insurance companies, he'd already owned a GSXR, TLR, CBR, and an RC51. Though I see insurance companies point.... he crashed the TLR and the RC51. .