IIRC, I think the question of when to get insurance has been discussed, and it doesn't really make a difference (since you have to buy for 1 year).
if you get insurance now in the beginning of November...you're covered for 12 months till the end of next October.
so assuming in a 12 month period you can ride for 7 months, and you store it for 5 months (colder months)...
it shouldn't really matter when you start and get insurance... because you'll still get your 7 awesome months of riding.
so if you start your insurance in the beginning of April 2013 (beginning of riding season), your insurance is good up until end of March 2014 (also at the beginning of riding season)
hope that makes sense...I had questioned when to get insurance before, but figured 12 months is 12 months.
I guess in the grand scheme of things it might seem like a waste to start insurance in the off season, but I figure I'm going to renew anyways (I'm not riding for just 1 year)
so considering the above, I'm thinking it would be better to have your bike insured (with theft coverage) over the winter.
anyways, that's how I understand insurance coverage...if anyone has any other insight, please chime in.
congrats on the good deal and ride safe in the spring.