I added liability only with low coverage limits thru state farm for a bike I bought recently and it was as easy as a quick email to my agent's office. My annual premium was only like $90 (though I eventually decided to step up to higher limits and more coverage cuz it was still so cheap). Your agent shouldn't be giving you any trouble about writing you a cheap policy. That's absurd. It's your choice how you insure your shit, not theirs. They just write the policy you request.
Brandine: Now Cletus, if I catch you with pig lipstick on your collar one more time you ain't gonna be allowed to sleep in the barn no more!
Cletus: Duly noted.
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