aznsmartass24, what insurance company was this? I want to know to stay away from them. Mine is State Farm and they have been excellent over the years. From letting a friend of mine borrow my mustang GT who then let his dad borrow it and get into an accident with a parked car, they paid out for the fix and didn't raise my rates or anything. They said "It wasn't you, nobody got hurt, no chance of getting sued for millions of $'s... yah, don't worry about it, we will just pay it. I guess you know not to lend your car out huh?"
I called about the Z1 and they said as long as it is installed in the car and I have pictures of it and/or receipts they would pay whatever it cost me to buy the equipment if it got stolen. Either that or if it was discontinued, they would cover what it would cost to buy a comparable new unit. No extra charge.
They also don't charge extra for sport bikes. In NJ, through Rider (the most common motorcycle insurance company) my Ducati would have been over $1000/year and State Farms charged me $375/year (for full coverage). I have found instead of saving a couple hundred bucks on a cheapo insurance company, find a good one and stick with them.