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Hey man it's totally worth it. I don't have it personally but my family friend saved approx 900 for the year. He has a 98 Honda VFR, rated the bike and his gear at a total of approx 6500.00
If you dont' mind me asking how old are you, or better yet how long have you been driving and/or riding?
I'm pretty sure they will only accept people who have been driving for at least 10 years and riding for at least 4/5 years?
Hope this helps...
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Camel toe...
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