I've got the same questions... how do you guys keep from getting screwed? My insurer (house, life, auto) only offers liability on motorcycles. They're charging me $86 every 6 mos, which is pretty reasonable.
I've started looking around for full coverage options, and Progressive is asking for $560 every 6 mos to cover me.
I'm 30, married, and by tomorrow I'll have completed the MSF class. I have a clean record for the last several years. I'm in NC if that makes a difference.
Right now, I'm tempted to go with liability only- I bought the bike cash, and I have a car if something happens. But I really wouldn't be happy shelling out for another one if I do something stupid.
What do you folks think?