Questions about motorcycle insurance?

I am planning on buying a 150cc scooter in the Spring. In Michigan, my home state, these are considered motorcycles. Also, in Michigan, they must be insured. My questions are:

(1) If I am only riding my scooter for three months out of the year, will I still have to pay for insurance during the fall and winter?

(2) What is the cheapest motorcycle insurance out there, and typically, how much would I be paying per month? I am a new cycle rider, but have driven a car for 5 years without an accident.

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