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You might want to consider waiting a year. Many insurance companies will treat that as experience even if you were never insured and never rode during that year. I got my M2 in 2010 but didn't buy a bike until a year later for this exact reason, saved quite a bit on insurance. My first year...

I have liability and theft on my ninja 250. The theft was only an extra $30 or so per year so I figured even though a 250 is not likely to get stolen it seemed silly not to spend the extra $30.