When I got into street motorcycling 12 years ago, I was over 40 and was shopping for my first street bike, a 2004 Triumph Speed 4. I figured Geico and Progressive would be cheap, as they advertise everywhere, including at m/c races. Needless to say, I was shocked at how much they wanted for a mature rider with a flawless driving record. I shopped around and found a little company called McGraw Insurance/Pacific Specialties, based right here in SoCal. HALF of what the aforementioned quoted me. Check 'em out, and, no, I do NOT work for or represent them in any way. Just trying to save some of you a buck or two.