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David,
Buy the dirt bikes. Anything that can be done father / son in my book is a good thing. I have a 2001 Honda CR250R that is a blast to ride. Although it is more of an MX bike, I do ride it on trails quite often.
With regards to your insurance, I had All State, before I switched to American National and both run about 60 per month if I remember correctly for my BMW.
Bill
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