i went through progressive ride insurance. im around 30 ish, known to speed and pay 114.00 a year just to ride legal on the streets of cali. keep in mind this does not cover theft, it is the bare minimum to keep it legal. i pay an aditional 300.00 a year through mercury, to cover theft, throttle abuse and just about every nut and bolt on my bike. to get my policy togather like i have it now it was going to cost me about 2800.00 a year for the full coverage and liability and crap. i also have 5 of my vehicles covered through mercury so that gave me a little bit of a discount. i think if you have it down that the bike is for pleasure, its cheaper then having it as a daily driver.