Wow, that's good! I'll definitely recommend the company to my cousin. He's been looking for a company to insure his 1980 bike. Hopefully they won't ask too much if we get a quote. Thank you.
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I think that's a good idea than having an M1 for a beginner. Get your license first though. It'll also give you an experience about having an insurance for the first time. Goodluck :)
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http://www.onlineinsuranceportal.com/average-motorcycle-insurance/
As far as I know, people who want to have a low rate regarding their insurance coverage opt to get the liability only. Might as well talk to a local agent in your community and see if he has options for you to get lower rates.
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Go for liability coverage if you are really on a budget and can't spend much more than $200. You still have option #2 and that's through your father's insurance. Get an insurance quote from your father's insurance provider. Hope you'll get a good deal.
I've never had a problem too regarding my bike's insurance when I wasn't able to renew for a couple of months. They got me the same policy with the same rate. It would be better to ask your agent or your insurance company's agent so that you can get good results. You might want to try Johnny's...
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