I know what you're thinkin. What does this have to do with gear?
Well we're all supposed to ride with it and it's the second thing you'll be asked to present if you're ever pulled over by law enforcement. Secondly whenever asked about branded goods on this forum be it saddles, windshields, boots, gloves etc., we as owners rightfully recommend the products that have given us good results.
The thing about insurance is most of us never need to make a claim so other than the experience of signing up with an agent, most of us don't know ( this is a good thing) how good our insurance is when the chips are down and we need to make a claim. I would guess that's a good measure of Insurance such as response and how fast you get reimbursed.
When I bought my first bike, 04 1150RT, one of the salesman at my dealer was an agent for Dairyland so I conveniently signed up since it was one of the "good" names I had heard mentioned at my recent beginner motorcycle safety course. Plus it let me drive off from the dealer insured, no muss no fuss.
I want to say I was paying 400 something dollars a year and I never made a claim to this day. Last month it came time to renew with Dairyland and the annual premium was now $627 even with all the good stuff like being over 50 years old with zero claims or violations.
I decided it's time to shop around using all my great knowledge from watching those
TV ads the likes of a gecko lizard or "Flo". Hey, can a ex drill sergeant make a good therapist ?
Bottom line: Comparing apples to apples Progressive came out to $297 for the exact same policy which was $627 with Dairyland. That's for my current 08RT. I was so thrilled with the savings, I never took the "15 minutes" with Geico, however point being there can apparently be quite a difference between companies so shop around. And no I don't work for Progressive and yes I agree with that guy that she sounds like she rides a "500".