Not only is "full coverage" a very vague term, but other rating issues (age, location, married, credit score, home ownership, etc.) make it almost impossible to say that just because I got the best rates from GEICO, that someone else would too.
Unfortunately, as an attorney, I see that the cheapest rates are not necessarily the best thing to go for --- unless you can guarantee you'll never be in an accident. Some insurance companies go way out of their way to deny claims. Good claims handling should be a factor in which insurer you go with.
Exactly. Need to know coverage+deductible to compare prices. Also, I've found that the additional premiums for better coverage is minimal.
In my case .. I'm a 41 y/o married male with outstanding credit and two accidents, no tickets, and get various multi-line discounts (car, mc, home-owners, umbrella, etc). I'm with State Farm.
On the Ninja I pay $332/year for $250k/$500k/$100k and $250k each under/uninsured. $1000/$500 deductible.
For comparison on the FJR1300 I pay $197/year, and the SV650 $178/year.
Keep in mind this in Minnesota, where we have low crime, long non-riding winters, and not many curves.