Ninja owner checking in:
Theft: Keep it locked up if you can. My bike was vandalized several times - usually a screwdriver in the ignition (the battery was up in my apartment, dumbass). I also used a FAT chain (links as big as your thumb) through the back wheel over the seat with a big Master padlock. Didn’t keep the criminal element from dropping it on its side and ruining the side cover (and the brake lever). I lived in a VERY high-crime area 2 doors from a homeless shelter in Atlanta when all this happened. YMMV.
Insurance: Cheap as dirt. About $300/year. I think they believe that you can’t CAUSE much damage on a bike. If you run into a Mercedes, you’re totaled and he/she needs a new bumper. Not the same as a 4-wheeled Yugo or Kia.
Injury: Don’t do stupid stuff and ALWAYS ASSUME that everyone out there is planning to kill you. There have been several of these threads on the dope in the last few years. That car up there WILL turn left in front of you as you approach it. No doubt about it, from either direction, from either side. Buy a good helmet, wear long pants and boots (no flip-flops or tank tops), and be careful. On a bike, you will usually be the first vehicle at every stoplight (they are quick off the line). Don’t pull into the intersection when the light turns green unless you can see both ways (ie, with a van on your left). Let THEM take out the red-light-runner. He’ll get a fender bender. You’ll die. THINK about how you might lay your bike down in a bad situation. It might happen and it might not. You’ll react in the short timeframe of the wreck, but if you have a planned laydown strategy it might help a little bit. Look up the “high-side” phenomenon and understand what your bike will do in a skid - you can let it down and follow it into a crash or over-correct and get tossed in FRONT of your bike into the problem (with your bike behind you, still moving very fast in a straight line towards you).
License: the good folks at the MSF run a good program. Some info:
http://www.nhtsa.dot.gov/people/injury/pedbimot/motorcycle/00-NHT-212-motorcycle/human21-22.html
Enjoy. It’s a blast. Good mileage, too. Just be careful. Oh, get some warm MC gloves. It gets COLD up there where you are, and it’s the equivalent of sitting on top of a car going whatever speed you’re going when it’s cold. With your bare hands out in front of you. COLD. Also - don’t buy a pretty leather motorcycle jacket, buy a real motorcycle jacket (offset placket on the front so the wind doesn’t blow in the zipper, ribbed elastic sleeves so the wind doesn’t rush up to freeze your arpmits and torso)
Finally: If you see another person on a 2-wheeled ambulation device of any sort, give them a discreet wave. They will all wave at you, even if it’s just a 2-finger salute from the throttle hand (good enough). The only exception to this rule is some Harley riders. I know plenty of good, decent ones. There is a small subset with a snobbery complex.
Keep a small toolkit onboard under the seat for those difficult days. Drain the petcock and the reserve portion of you tank annually, the sediment tends to build up.
I’ll stop now, I could ramble on for days. Good luck.