Hey there, let me start by apologizing. My problem I'm having is common but a little more specific I think because of my bike model. Backstory: Bought a drz400s (street legal DS model) I can't afford the 2000$/ year Riders+ quoted me for road use, this year. I also don't even have my m2 yet, so I'm going to insure as a blue plate for next season. In the meanwhile, I'm registering the bike as a green plate for this season (so I can at least haul it to trails in truck for this summer) My conundrum: intact/ riders+ see the bike as a blue plate regardless of what I say to them and wants me to have at least m2 + advanced rider training + pay the 2000$/ year for on road liability, just to use for off-road use. How the f do I insure this thing as a dirt bike? They're driving me nuts. Ideally, the person I'm looking for has a drz400s that is insured for OFF-ROAD LIABILITY ONLY, everyone talks about their "150$ or 200$/ year offroad liability" and at this point, it seems like a myth. Am I having such a problem because it's a street legal model? Should I just buy a parts DRZ400 and give them vin off that frame? This is so ridiculous. All I wanna do is ride but it's so hard to do it legally without just insuring it for road use. more info: 2003 drz400s used, owned more info on me: 23 0 claims ever, 0 drops ever, 0 minors/ majors in last 4 years home and auto x2 through intact Please help me, I've gone everywhere for help and called everyone I've had suggestions I contacted only to get conflicting info or just told off-road liability doesn't exist.