Dude insurance sucks, and it will suck till your of the second legal age, 25 that is, r31's are cheap, rb20's are kinda plentiful you too can get 13s cheap, if thats what you want, dont expect them to handle though, you dont really want to know about insuring a modified r31. Actually its not too bad. If you have any questions ask me , and im sure a few other other the conversions.