If you purchase the bike outright and there is no lienholder of course you can not carry insurance on it. What's the difference in buying a car outright, towing it home and letting it sit in your front lawn? Or buying a kit car to put together? When you decide you want to put the tires on the road, then you need to be insured. I let my truck sit for months with no insurance until I decide to haul stuff for house remodeling and such. Same with the motorcycle in the winter off-season. No you do not have to show proof of insurance when you go to buy a bike outright. I just bought a new v strom 650 2 days ago outright and never once showed anyone an insurance card. Now if you are getting a loan and there's a lienholder involved they will require you to have insurance (most likely full coverage insurance) before you leave the lot. I've never heard of a lienholder stupid enough to let something they technically co-own being driven around with anything LESS than full coverage insurance. As for the 6 months thing, not sure. If you are looking to lower your insurance cost then go enroll in and complete a motorcycle safety course. Do a search for it, its fairly straightforward.
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