I'm a little curious about insurance on these bikes... I have State Farm, as well ("we must be connected...") 100k/300k/100k, since that coverage is so cheap.
The expensive one is Uninsured Motorist. That parameter alone is half my premium. 25k/person; 50k/accident; 250 ded. on that one parameter.
Perhaps I'm wrong, but it seems that this would be the most important... Chances are you're not going to do *all* that much damage to someone else (since chances are they'll be in a car).
However, if you T-bone a left-turner, and it's their fault, and *they* have no insurance... what then?