Yeah, a budget would be good to know. I get wanting to keep the cost down, but you can buy bike specific insurance with a deductible of under a couple hundred bucks for around ten bucks a month. If you have an idea of the kind of bike you want, I would check out crazy lennys ebikes in Madison Wisconsin. They ship for about $200 (batteries have a high cost to ship), and prices can't be beat. I've bought 3 bikes there now (including driving 4 hours one way to get one of them and meet the owner), pm me if you want to get an idea of pricing, or search for them online and check out their demo bike pricing.