.. if he has other cars insured with them as well. So it likely isn’t to expensive. I don’t know if he can (or would want to) add the motorcycle on to that policy. That could lower the price, but if your looking to do it on your own that might not be the best option.
I have been to a few of the dealerships around my house and the ones I have been to have flyers at the dealerships from insurance agents. They advertise special deals for customers of that dealership. I have never called them, so I don’t know how the rates compare. I am guessing they probably have deals worked out with the dealership to provide discounted labor rates for their insurance so that they can offer lower prices.
If the quote from AMA was way cheaper, and they have a local office in town, that may be a good way for you to go. I checked their rating and it is rated A+ (Superior) with AM Best (an independent rating), so it doesn’t sound like it would be a bad deal for your. If you save enough the $39 is a small price to pay for the membership. Never know when you may need the roadside too.
It is nice to think you will never need your insurance. But the reality is at some point you probably will. My wife and I were rear ended last Christmas Eve. The driver who hit us was underinsured and it didn’t cover all of the extensive damage to her car. It pays to have good coverage.