Well my bike is listed as a Qouta because they didn't have a code for the V11(or couldn't find one) I have full coverage comp and collision with $500 deduck. I am pretty sure I have theft also. It also depends on who you talk to and how they run your numbers. The same company with a different agent will probably give you different results. Its all really part of some large scam. Insurance is good but a lil rediculous sometimes.
Try Alstate, state farm, and damnit I can't remember the other one. I'll try and find out as best I can but its the one the guy I know pays like $50buh a year FC. Coverage even varies with zip codes and time of day, phase of the moon tilt of the earth BUT I know insurance for bikes is cheaper in MN because it is obviously not possible to have it be a daily driver.