Sorry Giska.
Being young is fun, but it costs. 23 is still very young in the eyes of an insurance company. You can first thank the hapless young testosterone-heads who start out on 180-mph beasts like the ZX10R, for making Young Sportbiker such an expensive category to insure.
You can also thank the sly fellows who collect insurance payouts when their bikes are totalled, then buy them back cheap with salvage titles. Insurance companies for some reason are eager to simply write off a bike after a minor accident and these guys eagerly step forward to cash in on it.
Why are the insurance companies apparently so eager to write them off? Perhaps because they don't want to be liable if the bonehead they're insuring later has an accident and attempts to prove that the bike should have been a complete write-off.
You see people unabashedly doing this all the time, and no one criticizes them for it, but even congratulate each other for "finally getting back at these insurance companies." I have no love for insurance companies either, but this is another large reason your insurance costs so much.
And a ZZR isn't a "sport-touring" bike in their eyes at all. That was Kawasaki's 600cc track-weapon only two years ago. Any insurance agent with two IQ points to rub together knows it has a 100hp engine and that it will easily make 160mph and get there about as fast as a Dodge Viper can.
So what can you do? Insure your bikes with the same company you currently insure your car with. If they're too expensive, shop around; BUT make sure you tell each prospective insurer that you're looking for the package deal for your bike and your car(s).
Maybe the ZZR might not be the best choice right now. I rode a pathetic Harley sportster my first 70,000 miles until I was 26, even THAT was pretty expensive to insure. If the ZZR isn't already a done-deal, make a B-list of other bikes that you think you might like and see what your insurance company says about those.
If you can reach the ripe old age of 30 without any major accidents or violations, your rates will drop dramatically. So if you get a citation, do whatever you have to do (traffic school, challenging each ticket in court) to keep it off your public record. When I got my first sportbike and heard what my friends with a few tickets were paying for insurance, I quickly made up my mind that I would rather spend a weekend wearing orange while picking up trash on the side of the highway than let my insurance company find out about one of my BS tickets ( :x like 39 mph in a 35-zone, and two tickets for 6mph over the posted limit. :x )
Good luck.
-CCinC
