I'm up for suggestions also I'm gonna get it on Suzuki card so I think all I need is liabilty am I correct on this?
I hate to burst your bubble but that is probably one of the worst ways to purchase a bike.
First, unless you plan to make $1,000 payments or some other amount to pay it off in 6-months, you are getting hosed. If you read the fine print on those cards, the $99 payment is only the minimum. After the term is up you still owe the full amount plus interest which jumps to around 25%. Expect to pay around $18k for a $10k bike...
You are going to be much better off if you get a loan through a bank or credit union.
Second, by buying it on the credit card, you are correct that you don't need full coverage. However, if you can't afford to pay full coverage insurance and aren't paying cash for the bike I don't recommend doing it. I've seen to many guys buy bikes on those cards and the bike either get totaled or stolen and they are crap out of luck. They still owe the money and have ZERO bike to show for it. Don't think this won't happen to you either because this happens A LOT more than you think.
Buy a cheaper bike if you have to. Heck, check into a used Gen-I BUSA if you have to just PLEASE DO NOT USE one of the dealer credit cards with liability only insurance...