55 y.o. in April, no accidents or citations on my record, MSF certificates, 42 years on motorcycles and 30+ years with a motorcycle endorsement (I believe the top of their underwriting scale is 30 years), estimating something like 10,000 yearly miles split more or less evenly between two bikes, and I carry the highest liability limits Geico offers, $500 in deductibles, plus U.M. matching the liability and med pay of $2,000. The Blackbird and FJR are about equally expensive to insure. I don't recall the exact breakdown between them, but I think I'm paying $1109 per year for both. CSAA wanted $900 more for nearly identical coverage. Classification of the bike(s), miles to be traveled, driving record, MSF discount, where you live, and years with a motorcycle endorsement are typically all factors that go into determining the premium.
My advice is that you get the highest bodily injury and property damage limits the insurer offers. All you have to do is get unlucky enough to lose control of the bike (esp. if you're speeding) and kill or maim a physician, and if all you have are low limits, you're going to have land sharks after whatever assets you have to satisfy a judgment above your policy limits. With high limits, it's a lot more likely that you can get the insurer to fork over those policy limits in an early settlement in exchange for you being released from further liability. The difference in premiums for those higher limits is surprisingly modest and well worth it -- excellent value for land shark repellant. An umbrella policy is an even better solution if you have substantial assets to be attached.
U.M., as has been stated, is another must have, IMO. Even though I owe nothing on either bike, I have comprehensive and collision because I would want to replace either bike after an accident or theft, and don't want to be faced with having to justify replacing it out of pocket -- been around these motorcycle BBs too long and have read too many such tales.
