i went through the same thing with my vector. the company quoted me some outragious rates because they said it was 1000cc's. i tried to explain the fact that it's a 4-stroke and it rated as the same H.P. as the viper, but they didn't want to hear it. so we did end up finding another company to go to, but i'm only paying for liability. full coverage was over $1000. i'm 25 with no tickets and one accident.