could also be the agent you go to. we have 3 (yes THREE) in my town, and we only have around 15,000 people. LAWLZ. i went to one, who is the dad of a guy i went to school with. said they needed to take a picture of the bike and some other crap, and the guy lives just in the next subdivision, its a 5 minute walk. but he could never be bothered to come by. after 2 weeks or so i went to another agent and in 5 minutes i had my policy. same rates, but much better experience.
now that guy died (RIP), but the guy who is in that office now is a nice dude, and i like the people there. and yes, my insurance has gone up as well, little by little, but its still not that bad, and is certainly cheaper than everyone else for the same coverage. i think i pay 88 bucks a month, and ive got everything. theft, collision, uninsured motorist, medical...etc. so its not too bad to me.
id say if your agent sucks and wont work with you, talk to another agent. theres bound to be another one around you if i have 3 within 20 minutes of each other.
2008 ZX-6R, jumper mod, Yoshi RS-5 full exhaust, K&N air filter, PCIII, -1/+2.