We are being mugged...is all, I can say, here in Ontario,Canada. Was paying almost 1400 dollars, on my Millenium, and had a clean driving record....to ride a few months in Summer! I would be willing to ride without insurance, if I was given a choice, and pay out of my own pocket, if an accident was MY fault. They shaft you real good, when you are involved in an accident, and your rates shoot up, like crazy next few years, to make up for the costs they paid for. My question is, whats the point of having Insurance, then?