I have had the same insurance for 12 years now. I may do some comparing later, but it sounds like I may have a fair deal. My insurance is with Dairyland-I have full coverage on a 2002 Honda Magna, 2006 Ninja 250, and a 2007 FZ6. I carry a $500 deductible. There are three riders who are insured to ride any of the bikes--47 year old wife with 10 years riding experience, Me 51 with 36 years road riding experience, and my son 16 with one month riding experience. Premiums for the above coverage for one year--$1100.00. Don't know if that is good because I haven't shopped around lately, but I have a feeling it's pretty competitive.