What the hell company were you getting insurance quotes from?

I used Progressive online to look at a few rates. For one thing, I'm not going to be getting a bike any newer than several years old, and about 500 cc at the most. I figured 250-500 cc would be ideal for gas mileage without severely lacking in power like a 125 would. I actually considered getting a Kawasaki Eliminator 125 since they have a top speed of about 60 (which is all I need) and get about 90 mpg. (Plus the insurance was barely over $100/year). That probably wouldn't be a good idea though, since I don't think it'd do very well with an extra passenger, and if I did get a bike I'd probably be carrying around my girlfriend, little brother, roommate, etc. fairly often. When I said "cheap" bike, I mean CHEAP like $1000 - $1500 for something older than my car but with low mileage (<10k). I've been browsing around, and the values of late 80's/early 90s, small motorcycles like I've been looking at fall right into my price range (using NADA).
Anyway, for a late 80s model Yamaha Virago 250, the quote was less than $150 per year including collision. For a Virago 535, the quote was about $50 more, still under $200 per year. That also included collision. I'm 18 and have had a flawless driving record for the 2 years I've been on the road. Needless to say, if my insurance company (Liberty Mutual) doesn't offer a price similar to that, I'll have to reconsider. I can't get a rate from them online at the moment though, as I'd have to get information about my current policy from my dad, since it's in his name and will stay that way until I'm out of college. Nevertheless, the quotes I got from Progressive matched up to the generalizations I'd been hearing about cheap motorcycle insurance. By comparison, the CSVT is over $100 per month to insure, and that includes collision with a $1000 deductible.
I imagine that the insurance for a Ninja 250 or 500 would be a bit higher, since those are quick sporty bikes. However, that's really not what I'm looking at. I'd rather have a cruiser, as even though it's slower the fuel efficiency will be better, plus the cheaper insurance. That's not to say that the Ninjas aren't nice bikes... if I was going to get a sport bike, I'd definitely get a Ninja because they pack one hell of a bang for the buck.