I am a newbie and just pass my 2B.
I am looking to purchase a bike.
Hoping you guys could help me out on the following:

What are the things should i look out for?
Recommended bike shop?
Recommended Insurance?
Recommended bike?
Should i look to rent or purchase?
Estimated amount i have to fork out for the 1st payment?
Installment to shop does it include payment for insurance as well?

Thank you.