Insurance is crazy. I had full coverage on my 2001 Harley Sportster and no claims for 18 years. When I bought the new Spyder I was going to transfer the insurance from the Harley to the F3-S. Went to the agent and he ran all the numbers. It would have cost an additional $200 just for the remaining quarter and almost double the premiums after that. But if I dropped the Harley insurance and just bought a new policy for the Spyder, the full coverage was only about $100 more annual than I was paying for the full coverage insurance on a 20 year old Harley. It was crazy. I did not understand why and the agent could not explain it. I did drop the insurance of the Harley and got a brand new policy for the Spyder. The cost is just what he said it was going to be.