I'm with Heretic on the multi-line, we have truck,SUV,two bikes, and house all on Shelter Insurance and I pay $13.37 per month on the 04' Max. The 02' Vrod is only $12.73. I think I also get a small discount to have the payments taken directly from my account, no bills or checks to process. I've been with the same Ins. co. for over 10 years so my rates have gone down about as far as they can go I think.
So, that's $160.44 per year for the Max and that's full coverage on everything, I'm not taking any chances.