What is this "shop around" that you speak of? :) Here in the British Columbia, we have the Insurance Corporation of British Columbia, a "Crown corporation" run by the government. Thanks to that, my 200k liability only coverage on my Sprint is nearly twice as high as the OP's full comprehensive quote on the Ninja 1000. If I wanted the same coverage he has, it would be four times the price. I'm 46, clean driving record. Good news/bad news, ICBC doesn't rate on bike model, just displacement ranges. I'd get the same rate for a ZX-10 or GSXR-1000 as I do the placid Sprint ST.