i have a black 2007 tomos streetmate classic. overall, this bike is great. it gets me wear i need to go with no problem. i suggest getting a biturbo exhaust to replace the retail exhaust, it allows the bike to go faster. the insurance that i have on my bike is allstate, relatively they are pretty cheap. i pay under 100 per year. the best thing about this bike is the fact that its not just some scooter. I love the look and feel of riding it around town. i get compliments left and right in parking lots. the only bad thing i can really think of is the weight, i wish it was a little heavier, the wind pushes me around a bit while riding. i would definatly recomend this bike to anyone that wants to get a scooter.