I got my M1 and M2 this year and this is what I discovered; complete the safety course for good coverage.
Everywhere I called I was willing to move my house, truck and green plated bike.
At a rate of $500'ish for the course, my insurance quotes dropped $1000 to $1500.
Desjardins was 2K without the course, $1.4K with, would drop to $900 if I moved my truck / house.
Dalton wasn't competitive. I had my green plate bike there and moved it to Dejardins after my rates almost doubled last year.
The rates were for a 690 2010 & 2020, and DRZ400 2010 & 2020...the year and engine size didn't mater in my case and would move the quote $50 to $100, the course made all the difference.
TD insurance was the cheapest.
I couldn't get insurance with TD unless I had safety course & M1 OR 3 years M2 / M experience.
I'm 40, clean record, have 0 years on road, but they took my 10 years of off-road experience into account.
I have my house and truck with them, since I'm principle driver on the truck it dropped my coverage on the bike since it's not my primary driver (similar to what Desjardins told me)
On my 2020 KTM 690, I pay $495 a year full coverage, including the new vehicle 5 year replacement coverage.
Safety course side note...I did mine with Learning Curves in Smith Falls...I rode well over 160 km's in a parking lot for 2 days. For what I thought would be a check mark exercise to save on rates, turned out to be an enjoyable riding weekend in a parking lot
Happy rate shopping!