KLRs are definitely tanks, but as such are nearly indestructible.
Insurance on my SV650s and XF200 together is about $90 per year. I have Progressive. Their lowest rate for a single bike is like $75 per year. That's what I've had on the SV for the last 9 years.
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2008 Yamaha WR250x 2006 Honda CRF250R Sold: 2002 Suzuki SV650S, 2009 Qlink XF200
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