Insurance costs... a never-ending saga.
So here's me and my only bike.
Male, 34, no accidents or tickets. Riding for 3 years now. My driver course discount has expired.
Car, House, Bike all insured through State Farm Mutual.
Full coverage (and I do mean full)... $523/yr.
Bundling insurance packages can make a huge difference. In my case, State Farm Mutual classifies all bikes ridden by customers 30 and over as cruisers - the lowest rate group. R1, Monster 1200, FZ8... all qualify as cruisers for their 30 and over.
So, if you have other things that need to be insured (renters, homeowners, car, boat, etc), price them all TOGETHER. You'd be amazed at how much you can save if you shop around.