I'm curious, Glider asked where you all are from and I got thinking. Since I'm from Michigan, I"m lucky if I can ride 8 months out of the year. You guys that live south or where you can ride 12 months a year have got to pay more insurance than I do. Not getting into all paticulars, I pay thru Harley approx. 500 bucks a year to insure my 08 Fatbob. I'd like to hear what others are paying and where you live. I'd like to see if cost is based on riding time or just sitting in my garage when it's 20 below.