What do you know about motorcycle insurance agent?

MArk asked:

I spoke Amoxil with my auto insurance agent this morning (at American Family). She said the following:

1. Full coverage insurance on an everyday 2004 (500cc) Honda Motorcycle would run me about $130/year.

2. I can't get any kind of coverage on a sport bike until I've had my motorcycle license for 10 years; and even if I did, it would cost me $1,000/year.

Please tell me everything you know about motorcycle insurance. Do I even need it? I want to buy a used sport bike (600cc or less) and spend around $3k for it. If something happens, it's not like I'm wrecking a $20k new car or even my primary transportation - and the cost to fix it wouldn't be that bad. Even if it was, at $1,000/year for insurance, I might as well just take my chances, right?

Reply:

I rode for 12 years and always found Dairyland to provide great coverage at very low costs. Give them a look, it may be worth your while.