My cargo net lives on the bike under the seat...comes in handy sometimes.
i use progressive, they seem to be the cheapest. i have full comprehensive & collision with a $500 deductible for both. $3,000 of accessory coverage.
I pay $1,000 a year and i had one "at-fault" accident on my record that i dont even know what it is, but i never contested it because of the head ache, but the difference without he accident was $300/yr. pretty fucked up.
So i do $92 a month. not bad considering the bike is fully covered.
im failing to see your logic, yes it sucks i pay $1000 a year, and after 4-5 years it will exceed hte used cost of my cb500f, but what if i total the bike and have no coverage? then im screwed because i cant get a claim?
do you have anything to secure the triple? chain, alarm, etc?