A lot of factors determine what the premiums will end up being... Shop around some for your bike insurance... There's more than one way to skin a cat!
If you don't have a motorcycle license yet; take an MSF course and get one! The lack of the license certainly could be driving the premium higher!

(And it'll re-assure your Missus that you're serious about safety!)

Then she'll stop buying life insurance on you and booking cruises...
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2010 Blue RT Audio & Convenience model Se-5 transmision. Dealer-added foglights, accent LEDs and extra speakers. Some RTS chrome windshield, front spoiler and top trunk trim, RTS frunklight and frunk liner, Top Trunk liner, Chrome lower air deflector, fendertip LED bulbs and ISCI floorboards added by yours truly...