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Also, for insurance, I don't know about the states, but aren't motorcycles usually a lot more expensive to cover? Can easily cost $5000 CND a year here for somebody in their 20s. You may want to verify that. Though if you actually meant a scooter instead, that'd be a different story, lol.
You need to tell us what's your budget, too, since that ultimately decides everything...
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Motorcycles are way cheaper than cars to insure, and definitely not $5000. That's way to expensive. I drive a motorcycle, and to insure my 350cc Suzuki costs approximately $250. A great deal for someone who's in their late teens/early twenties, where money is a big deal. However, if you purchase a motorcycle that's 400cc +, the insurance rate does go up significantly, almost $600-800$ I believe.
And it's not that bad a vehicle to drive all year around. Just make sure you get the appropriate clothing, gear, etc. Apparently, and wind screen and leg covers lower wind chill and do a great job maintaining your body temperature for those chilly days on the road. So in my opinion, unless you find a beater car or a hell of a deal, I would recommend you consider purchasing a decent motorbike.
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