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I am 21 and have 3 points and pay $115 a month on a 2001 1000 gsxr. when I was 17 I had 11 points and paid about the same $130/month on a 2000 600 gsxr. points droped, motor got bigger, cost remained the same. check out a local progressive agent or call progressives 800 #. They hooked me up. Also, I have never carried full coverage. Just liability and comprehensive( theft , fire , vandalism).
 
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