you can get ur permit at 16, you can't drive at night you cant have passengers and you cant drive in bad weather,insurance will be very cheap and since ur probably going to get a cheap bike ( because u don't want to be droping and dinging up a brand new one) it should be somthing like 100 a year of it is for me anyway my bike cost 500 bucks but ur health insurance might go up now and when you get ur licence make sure ur a organ doner u want be needing them any more
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