hey, im new to the forum here and to motocycles. ive used the search function but im still having a difficult time with finding an insurance company that exists in NJ, and the ones that do offer insurance seem absurdly high. although i do see that un1261 seems to have a really good rate. is there anyone here from NJ that can help point me in the direction of a reasonable company?

No many companies want to do business in NJ.
Rider is one company.   The cheapest is State Farm.  State Farm will only
take you if you have the car and home insured with them.