I suspect it may have something to do with location, age, and other details. My 2 bikes are full covered for 12 months at an even $150 a year w/Progressive in northern VA. Of course I'm old as dirt, been riding since Christ was a corporal, the bikes are garaged, been an AMA member since my racing days in the 70's, went through an early rider safety course in 84, and Progressive doesn't know what a 72 Yamaha R5 can really do. Both cars and house are with State Farm, who told me they'd be too expensive for bikes and that I should shop around. Pretty decent of them I think.
