Jim, I think that he is equating the insurance portion with the total cost of the MAAC membership. Even then, I can't imagine that the cost of insuring a motorcycle would be less than the total cost of a MAAC membership, let alone the insurance portion, particularly if he is under 25.

My last bike insurance was many hundreds of dollars, & I'm an accident-free, ticket-free rider with nearly 50 yrs of experience.