just curious. i dont because i can't afford it + it doesn't make any sense to me to have it when it costs $2500 a year. two years accident free and ive paid for the bike when i wreck it. so, it's a gamble worth taking in my opinion.
I don't know how, but I managed a policy from State Farm for about $420 a year for full coverage on my '06 R6. It may be my age and my driving history, but I'm happy to know if my bike gets stolen, a check will help ease the pain.
State farm is definitely where its at. I talked to the insurance representative there and they don't really factor in the make/model of the bike. Engine size is their primary rate factor. 600 supersport vs. 600 cruiser... would have similiar rates. When I asked about motorcycle insurance it was going to be 1050$ a year for just my bike. To insure my car and bike was 1200$ a year. (600 for the bike w/ full coverage and 600 for my 93' taurus, liability only) I recommend asking about multi-policy discounts when shopping around.
I have full coverage (well, had) with Allstate. I dumped and totalled it last month, and they gave me full book value no questions asked. I was paying a little less than $600/year, but I also have my car and homeowners' through them.
Full coverage is definitely a good idea if you can afford it. You never know when you'll go down and be completely out of a bike.