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$380 is good for full coverage. I'd stick with what you have. That's only $31 per month. My son is paying $100 a month to State Farm for his Speed Triple and he's never had an accident or ticket. 
Comparing a Speed Triple to an America is like comparing a Mini Cooper to a Hellcat. Not the same thing. Of course, age plays a factor as well.
We all like to think of ourselves as rugged individualists. But when push comes to shove most of us are sheep who do what we are told. Worst of all, a lot of us become unpaid agents of whoever is controlling the agenda by enforcing the current dogma on the few rugged individualists who actually exist.
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