accident benefits is your answer. You crash the car even a bad one you can usually walk away unhurt. You crash a bike even a minor one you usually are hurt and need rehab, lost income replacement etc etc.
that is why it's cheaper for you to insure 2 cars instead of one bike. Do some research.
Thanks tips...I actually have done research and understand that accident benefits make up the majority of our rates...but make whatever assumptions you want. I have no problems paying what my insurance costs +/- 150 per month, but for the actual riding season. When the rate equals 300 +/- per month for actual riding time, that seems ridiculous to me.