Origin and Steam are two different things , I don ' t think they ' ll do that <| sep |> High af and this is too deep for me <| sep |> I went to a Dark Star V 2 Dispatch Master and don ' t miss the BigSky at all . <| sep |> Okay . Most of us are happy to explain how things work , and why rules are the way they are , when people are genuinely curious . We get annoyed when we feel like people are just asking so they can manipulate the rules to their advantage . As others have posted , there is no way I ' m going to convince an underwriter a 19 year old girl in a cold , wet state , is using a motorbike as her primary transportation in November . So , your daughter is a principal operator of a vehicle . She gets one insurance ' point ' for being an inexperienced operator . She gets a second ' point ' for having an at fault accident . She has also filed multiple roadside claims . Of course her insurance is going to be expensive ! She ' s a really poor risk . State Farm is a standard company . Given your teenage primary driver and claims history , you wouldn ' t qualify for standard coverage at most other companies until some of this rolls off , so of course they have the best price atm . Everyone else would quote you in the nonstandard higher risk market . There are some companies where you can indeed plug various scenario ' s into their website and see what the potential premium difference would be . Progressive comes to mind . But they are generally the more expensive option , for all that technology . Also , because you input it into a calculator tool , that doesn ' t mean the live human underwriter that sees the change is going to approve or allow it . This whole Agent BS is for a reason . They are generally highly trained . They know what to look for . They have to take and pass a difficult test , complete continuing education , and have a vast amount of knowledge . They look out for their clients best interest the good ones , at least and advise them of ways to help their individual situations . Some online place is not a real live human , to warn you about things like buying state minimum limits , why 5 K in property damage coverage is a horrible idea , or that uninsured motorists coverage is not always what it sounds like . in some states , it ' s an extended health bodily injury coverage only , and does not cover the cost of your vehicle to be repaired if a driver without insurance hits you . If you tell an online place ' Show me the cheapest rate ', it will do that , but at what cost ? Also , those ' online places ' often quote one price via a computer quote tool . Once a human underwrites the policy , that rate frequently changes . Can ' t help you with the amount of mail State Farm puts in your mailbox weekly . I get a crap ton of paper from them too , and I don ' t even insure with them .