I might have sold my Monster so it was off to get insurance quotes for a different ride. I have found a ST4S ABS and a ST3 that I am interested in. I now pay $351.00 per year for full coverage on the S4. I was quoted $580.00 for the ST3 and $1400.00 annually for the ST4S. I find it hard to believe there could be such a price difference between the two bikes. I was wondering if anyone is paying these types of premiums to ride a ST4S or was I misquoted.