M- I have a 16 SS SL, insured by Safeco thru Rock Creek Ins agency, Texarkana, Ark 870-774-3491. My cost is $238.00 for 12 months. I have full coverage. I have had Progressive, and Geico for my Harleys. Premiums went thru the roof. Someone told me to call Safeco. If you call the 800 number, you may get an agent that is not in your city. Stock companies like State Farm have their own agents and charge you a certain premium. Indpendent agents represent several companies that may insure SS's and you might save $$$$. Remember- premiums are not the same for every driver and every state. Good luck- hope you can save some $$$$. KEEP on SLINGIN! BTW, I worked in insurance for about 25 years as a multi-line claims representative.