I get great prices from Peninsula Insurance. I can't tell you if
they're comparable to NJ, either higher or lower, but they're as low
as I've yet been able to find. This is, of course, for MY bike, living
in MY neighborhood, stored in MY garage, etc., etc.
YMMV.
Worth a try, though.
BikeBoy
'95 YZF 600
'98 GSXR 600
WERA/CCS #298
Greater DC, USA