Mmmm.....ya'll sound kindof lucky to me!
I'm paying liberty (AZ) about $2600/year for 3 bikes
2001 Yamaha FZ1, 25k miles, no collision (just added this one, its 400/yr).
2002 K1200LTC, 82k miles
2006 K1200S, 11k miles
I am paying more for better coverage per their suggestion, ie, the liability coverage I think it is, plus full cov on collision for the beemers.
Still...I'm the only rider in the house, can only drive one at a time so this mentality escapes me. The other issue is my zip code supposedly, we get to pay for the high price of car/bike theft, I think thats a bunch of horsemuffins.
They did warn me price would go up considerably from MI when I moved to AZ, they weren't that cheep in MI either.
I'm just paying because I have kids in college, can't be screwing around, especially if me and the SO get taken out at the same time.
I also never did, ahem, mention that I'm riding 1000/miles/week, I own no cage
So I'm just suckin' it up for now and hoping I never have to use it..