Buying the bike I am noticing is not going to be the problem....but the insurance for me is really expensive. I am 21 yrs old and have had two tickets (1 for a "failure to yield" and another for speeding 20-24mph) I can't get a model bike that is 2004 or newer because the insurance is (for ex. a 2007 Sportbike 600cc is about 300+ dollars a month). I was wondering how can I get lower insurance or do I just have to suck it up and pay the expensive amount? If anything I will just get a 2003 or older bike cause the insurance is 200 bucks for 03 model and then goes down about 20 bucks for each year down.
Right Now I use Geico for my automobile insurance, and since I driving a 06 Mercedes that is pretty pricey as it is. I was thinking that I can go with a different insurance provider if I get the motorcycle, is this possible or do I have to use one insurance provider for my both my car and possibly future bike. As for selecting no liability for the insurance, that is out of the question considering the high rate of accidents motorcycles have. I did get a quote with no liability and it was only 50 bucks a month lol

In all the years I've been riding I've always had only Pubic Liability and Property Damage. Of course I held title on all my bikes, if you're financing you're stuck with full coverage.
PL and PD were always all I needed as I've been lucky enough to be covered by my medical through my employer. And as a large percentage of accidents with motorcycles are the fault of the other driver, their insurance would be liable. Admittedly this is a "pays your money, takes your chances" solution. But it is the cheapest way out if you hold title.
If you don't hold title, what can I say, shop around and get quote from everyone once you decide the bike you want.

Geico is a rip. they take as much money as they can so that they can dump it into high price commercial spots with computer animated Geccos. They are good at getting lizards to lengthen our attention span and that's it. Go to a discount insurance place that will really shop everywhere for you. They usually smell like cigarettes and they may have an office dog. You get the point.

I am also 21, male, and have a speeding ticket for 22mph over, but i think im only paying $650-$700 a year or so for full coverage on a new 06'. I have progressive insurance.
My bike is a 225cc dual sport, but that shouldnt' make that much of a difference. i dunno

If you can pay cash for a bike you can get JUST Liability (in Ohio) and that will save you a bundle. Of course if you wreck your bike in a one vehicle accident you'll have to pay for your own repairs.
It cost me $90 dollars a year for each bike. But then again I'm 52. But then again that's the most I have ever paid for insurance. I used to pay 35 a year per bike. Inflation.

The easiest thing to do is this:
1) Buy an old, but good, bike;
2) Insure it for the minimum the law allows, ie, liability only.

Who carries your auto insurance? I use State Farm for auto & motorcycle both. Their prices are quite reasonable and their claim service has been good. State Farm uses displacement in determining rates, so a 599 cc bike insures more cheaply than a 600 cc bike. Check it out!

Take a motorcycle safety class, there are a couple of them but it depends on where you live. I took an NIU sponsored beginner's course and they give you a certificate if you pass which you can take to your insurance guy and they should reduce it a little. Older bikes help a lot too. I only pay like 300 a year haha (1 or 2 speeding tickets and a 1975 bike - I'm 21).

take a MSF course
that will give you a discount for most insurances