Sometimes there are so many bikes for each dealer. High volume, they get a larger allotment when ordering. Crates sitting at the depot houses, you order one up, probably will get one. Price out the door varies.
If I look back at all the bikes that went thru my hands, I'd take that money and invest in an index, rebuild the bike on the cheap and down the road... any bike I want. You're young. You're starting up all over and the last thing you want is a payment on top of yeah, her too you are on top of. Those cost money asswell so the focus is on the future.
Correct on the trade-in. Bike is graded as bone stock with ideal patina, low miles, etc., is the standard. I'd still be on my '06 if I didn't total it. For that kind of jump to a new bike, probably not. It's not really that drastic in improvements to make the upgrade.
It all narrows down to that front end and frame. Front wheel spins straight is one rim not needed. The fork stop uprights, that's just a quick look and no need to touch things for now. No frame tweak, no heavy indent at the one fork stop is no front end worries either. Just the pod and the bracket. That might be a 1000 deductible right there... you broke even if you had full coverage say.
KBB says 4,900 give or take is the trade-in. Dealer sells yours at 7,200 and change. No guess what a buyer would give you, knowing K's numbers to begin at a starting point. Your goodies, your loss. Insurance is going to pay K's book and you trying to add your acc's to the price... I don't think so. See that angle of the buyer v. his insurance co payout value?
Go to K again and the '06 bottoms out to 4,100. I don't know about wasting money on a full knockoff just to get 4k for it? So mechanical wise, burn it out and let that other cash [waiting] sit and work for you once strip-pee burns itself out in a couple of hundred-k like a car. Once it starts to nickel and dime you to death... time to freshen up.
Signed,
Only your fork stop knows for sure... [and remember to look right there when buying used]... said the telltale sign
Tormenting the motorcycling community one post at a time