GEICO isn't as dumb as most insurance companies!
I just got off the phone with GEICO insurance. You don't have to have insurance on a bike in FL (go figure), but even if you aren't financing, it seems pretty dumb not to cover it.
Anyway, I went through the quote process with the agent, using the coverage I had on the Vee. That was $495 a month. The agent came back with $1,350! I asked the guy if he was rating it as a supersport. "Yes, it's a CB, so that's how we're rating it." I explained it's an 80 hp bike, more of a cruiser, and asked him to speak with a supervisor or look the bike up on the Honda website. Luckily they're intelligent enough to do that, and he came back with a new rate of $280 per year, with double the coverage amounts the Vee had. I have to say, it's pretty unexpected when a call-center agent has that type of flexibility and authority to make decisions.