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I'll probably be waiting until next year before getting a bike. Thanks for the tips/suggestions.

What about putting under my dad's name? He's had his motorcycle license for 20 years with a clean record. Would that end up costing more, or less?

Agreed, the broker also mentioned that after a year, it would essentially cut in half with a clean record.

I've been looking around, into insurance and whatnot for a 2008 Honda CBR125R, the lowest I've gotten is roughly $3466/y with TD. Which is not all that bad, I can pay it, but I don't deem it worth it, considering I'd only be paying $1300 for the bike. Anyone have any suggestions for companies...