Its strange how the Cycles are categorized. last days i had an isurance to pay: 10 $
but now when i call mors, no one gets on the phone, so its not accessable.
BUT when i order a new bike, an select a garage it shows me where are destroyed.
so my next try out would be to steal a cycle from the street and replace the slots.
but where are good spawn points for cycles? not often realized a "npc bike"...
I just got one. Around all the gang areas there tend to be gangbangers on bikes. Even if you don't see one just shoot at one person and a lot will come after you and quite often one will be on a bike. i found the BMX with the gang at Chamberlain Hills
And after storing it in my garage i returned to the same place on that bike and another one was there with a guy on it.