This is a great point.I got a different agent who tweaked my profile and the rate dropped to $1004 for full coverage with all the bells and whistles.
When I insured the Speed the second time, I tweaked my profile a bit so the number dropped dramatically. 1 question in particular made a huge difference: How many years have you been riding?
First time I answered that in 2019 it was 3 years. When I changed insurance this year I answered 22 years instead.
I rode my dads (and now my) bike on and off for a couple summers when I was 18 then picked riding back up at age 36. Nobody is going to add up their actual time in the saddle for that answer, they‘ll just go from the first year they started riding, so thats what I did.