I switched over from Universal Underwriters to Allstate. The old Harley was $100 a yr. The Sprint is $250. per yr with the following specs 50/100 Liability, $250 DED for comp and collision. Pass insurance. They cover the bags and grips, plus other add ons. oh yeah, I'm married with children, (no groaning) and point free , at least on my license. YMMV,