By my math you are 26, so the hit from age probably isn't that bad. You are getting hit for the type of bike you have, get a quote on a cruiser for laughs. It will be way less. Shop around a bunch. You will find someone that cuts off the age thing at 25 and that will help.
As for getting it on your parents, be careful you meet the requirements of the insurance company. It would suck if they deny you after the fact because it wasn't legit per their rules.