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you must have a freak 250 Dan, my 250 (2000 with 6000ish miles on it) would top out at 95 with me on it. and it took about a long ways to get from 75 to that 95.
also, I have found craigslist to be good to find local bikes.
as far as insurance goes. country insurance costs me $220 a year for a CBR F41. a ninja 250 was $130 a year.
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