Can you ride a Ducati 848 for every day use and is the insurance expensive?

I wanna purchase a bike, my first decision is the Ducati 848 evo, i wanna buy it brand new(2012) but the only 2 things im concern about is the insurance on it & can that bike be used every day.... im 22 just got my moto license and have had my drivers license for about 6 years if that matters( i did an online quote was 700$)im looking for full coverage, I live in California have no record of anything bad at all (accident etc).My second concern is can this bike be driven every single day? Its like the Ferrari of bikes and when you own a ferrari you dont drive it every day..... does this bike break down alot? My second and final decision is the yamaha r6 (2012) i want nothing but the ducati but if the ducati cant be driven for everyday and the insurance is a total rip then i guess ill have no choice....Please if possible only answer my questions please (i really don't wanna read get a used one learn from it drop it etc i know and understand that all my only concerns are the questions)

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