Unless you get a personal loan you are going to have to pay full coverage (insurance). On a used motorcycle loan you are required to have full coverage by the bank. If you can't afford full coverage I say look at a personal loan, which the interest rate is probably going to be pretty high. This is the only way I see around it unless you want to go and get a new bike which then you don't need full coverage, all you need is liability (atleast that is for Suzuki's and Yamaha's). Seeing your situation of income you probably can't do that.