I haven’t even heard of my insurance giving me a discount for wearing a full face helmet instead of a bucket helmet.

Actually, is there a single thing that insurance gives you a discount for?

Like, I’m with GEICO and as far as I can tell, it’s only age of license without accident or ticket that counts.

Either every factor is a wash or insurance companies are keeping the spread as profit on their side or they have no means of enforcing.

Like, do you install a Termignoni and then call your insurance agent? “Hi, I got louder exhaust pipes installed. Also, I’ve decided to wear a nicer helmet. Also, I now keep my bike inside a garage. Just wanted to call about the discount”