Yeah but they would also raise my rate, so I would end up paying a ton more.. for example:
The insurance policy I have now, is 1.2k / year. With collision, it was 3.4k. I would have a 1k deductible. So I would have had to pay 3k already to get a few scratches repaired. And that's only the first year, and does not take into account that the company will raise my rate on both the Motorcycle and my car because of a few scratches.
I'm still going to shop around for Insurance.