Originally Posted by pushinfreight

if this is your first bike and do not have much experience that will factor in. Your credit rating is also taken into account. State Farm is cheap but they really do not have trained adjusters for bikes. That bike you have is the second most stolen bike just behind the suzuki's. You really have to look at a combo of things. Your age, location of where you live, have a garage, credit rating, driving history, points on your lisc, ect.... 200 a month for comp and coll means that you have points on your lisc or tickets that still pull when your history is run. If this is your first bike I really suggest taht you get a used bike as it will help out with your insrate if it bothers you that much. a 2 year old model helps out the most.