I just did the online quote "calculator" Im 19, just beginning to ride, m2 less than a year, have a g2 license (no G). I got $2300. I know I shouldn't be complaining but for a 125cc bike I was thinking maybe like 1700-2000? Thats like higher thn the cost of the bike. Is the online tool a large estimation or a realistic one? do you think if i make some calls I can get a reasonably lower rate?