I dont know if it has to do with companies, I was with SF last year for my R1 but will be with TD this year when I get my bike. I was paying $1600 for the year just for comp with SF, it was a 2003 R1. I am 33, one minor ticket and live in Ajax with a full M.
Now this year, I just got my quote with TD for a 2008 R1 with full coverage, same info as before, I did get the ride and drive discount ( 10% i believe) and my rate would be $1300 with full coverage! Thats a huuge difference!

Anyone else have that much of a difference with quotes from TD and SF?