I had insurance with state farm and I do believe they are the cheapest , but I recently changed to foremost thru AARP you have to be at least 50, they included towing and was only alittle more, about $326.00 a year, they will tow to closest authorised shop even if it is 300 miles or more. state farm does not cover towing. also most insurance companies cover the cycle and something for passenger so long as they are not related to you. you are not covered even with full coverage, you need to make sure your personal health insurance will cover you if you are in a cycle accident.
bruce