My family had American Family most of my younger years. I used them up until I bought the 851 in 1996. It was one of the blacklisted bikes on a big list they had. Interestingly Bimotas were not listed, although I'm sure if you rolled up on a Tesi they would have had to call the home office.Everything is with AmFam except the Duc. They won't insure that one. I'll ring up a SF agent for a question and quote session.
I work for State Farm. You don't have to have a car insured to write the bike. You just have to have your M1 endorsement. I don't understand how they could have been denied with clean records unless they didn't have their M1. The rates are higher without a car when you are young though. However, if you have a car and a bike when you are a youthful driver, the age only affects the car. The bike ends up dirt cheap as your driving record info stays with the car. My liability limits are high for my umbrella with comp and collision as well and my ZX-10 is $400 per year. Not bad for SoCal.i pay 350 a year through state farm.... but i THINK you have to already have a car policy with them to insure you with a bike..i could be wrong but two of my buddies got denied with clean records.