Insurance on my 'project' bike...

I have 2 cars insured and I pay about 1100 full coverage on one liability only on the disposable civic. the bikes (2) will cost me 585 taken out over the 8 months. House costs about 760 for the year. house and cars are under one provider, bikes on a seperate policy cause it works out cheaper for some reason then if I give it all to one or the other. I think it is because the car insurance has forgiven one of my wifes accidents and if we get a quote from the bike insurer they add that in. So in a year or 2 I may be all on one policy.
 
Thats all reasonable except the damn motorcycles. I just dont get it.

My car insurance goes down when I insure more than one vehicle. Also don't get that.
 
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