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I just bought insurance for my new R3. I currently own a Yamaha FJR. When asked which would be my primary motorcycle I said the R3 which lowered the rate on the FJR almost enough pay for the insurance on the R3.

(Not unethical since neither/both will be my primary motorycle.)
 
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WE PAID $207 a year in N.J.for full coverage ,, but my girl's 51 so that may have had something to do with it
 

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Rates are often based upon displacement and risk of loss - if you do the MSF course or some kind of advanced rider training, you can sometimes get an additional discount. Some policies don't give that discount, but the courses are often worthwhile on their own.
 
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