Agreed geico is the way to go. With six road bikes on the policy already, my quote for full coverage 600 per year on the H2, in Northern California. The h2 is on their books they pulled it right up with the vin #, and the model #. We have USAA for auto coverage and they were not even close, about 2000 per year more than. Geico. Total cost for now seven road bikes with the H2 at full coverage 1200 per year for us. They give free quotes to any interested parties. And no, I don't work or have any other affiliation with them at all.