It doesn't always pay to go cheap. My daughter had the cheapest Progressive policy she could get. Rear ended a car and damaged three others. Insurance covered all but about $12k of the damages. She is now being sue by an insurance company for the remaining $12k.
Regular $100k liability is nit enough when you look at the price of cars.
And I know a MC probably would not do the damage a car would.
Former owner of a 99 Valkyrie for 15 years.