I'm a new guy here, and I don't want to start off running my mouth and demonstrating that I'm an idiot. I guess I'll stipulate that I'm an idiot.
Anyhow, I'm a successful insurance agent of 12 years, and insurance companies now rate drivers and vehicles via a miriad of variables: Age, location, vehicle, driving record, credit, marital status and other factors determine rates. Agents no longer can manually rate policies, for the most part, and agents do not "jack up" rates on policyholders. Insurance companies determine what to charge ("jack up") for all the variables, and must provide in writing to the state it does business in how it determines rates. Agents don't want to lose business because of high rates, etc. Most agents are independent contractors, and have little, if any say in company operations.
The bottom line is that you pay the rate you "earned." My bikes are all paid for, so I self insure by carrying liability only. It does pay to check around, but there is no substitute for professional guidance.
Regardless, guys and gals, due diligence pays......