Hi Forgetmenot -
Question: "also mike what did u have to do to get a plate for your mb?"
Answer: I am in the process. I am residing in New Mexico right now. The government is forward-thinking enough to assign a VIN to a new build that did not exist before (ie, no frame VIN already exists). I have to fill out a form requesting a state-assigned VIN. (I have to include a list of parts and pieces and engine bills-of-sale with the form, as well as an affidavit that a VIN for this new build never existed before.) A second form that is available through a state-run web site has a checklist for a custom-built motorcycle (I am using this checklist because my engine is 79 cc displacement. Under displacement of 50 cc, no paperwork nor registration nor licensing is required.) The form has a checklist for: two headlights, a loud horn, a muffler of some kind (not necessarily effective), a brake light, and more, but electric turn signals are NOT a requirement. Because my engine is over 49 cc, I want to get it registered as a motorcycle. Passing all this will get me a plate. Research your state's DOT site; your mileage may vary.
For a motorcycle license, completing formal motorcycle-handling training by a state-recognized training school (can cost up to $300; probably will) AND passing a relatively simple written exam are necessary. For motorcycle insurance, the state-assigned VIN will be needed.
Another state, Colorado, makes it much more difficult than necessary to get a VIN for a new, custom build motorcycle. I looked into it only one time; the paperwork and state police inspection and proof-of-insurance and more red tape just convinced me to ride conservatively and well dressed, if not legally.
If I had a 49 cc engine, I would not have bothered in either state. And I would be legal.
Getting insurance for a vehicle without a VIN may be possible; but someone else here will have to point you how to do that. Mopeds, scooters, etc, have VINs; dealers fill out the forms at time of sale. I am guessing that insurance companies just cannot handle non-VIN'd motorized bicycles. My experience is that Geico, USAA, Farmers, and Allstate want nothing to do with non-VIN'd vehicles.
If I did not need pulling power, I would have stayed with a 49 CC engine and saved myself a lot of aggravation and effort.
MikeJ