J'Man
Registered
It doesn't have anything to do with the agent. The premium and coverages available vary depending on many, many, different items. Some of these items are specific to the individual such as their driving history, loss history, and credit report. Other items such as the number of claims filed within a certain area or zip code will vary the rate. All of this can, and most of the time does, vary by company. It all comes down to statistics. As others said, good advice is to shop around. Bad advice is to not tell the company. Most all major companies highly train their claim adjusters on what to look for. As soon as they see modifications to the bike that would have made it unacceptable you will be left with a jacked up bike, no money, and really pissed that you've been paying for insurance that is totally worthless.