I'd say that most likely it is the agent. An agent is going to make next to nothing on a $60/year premium so why hassle with the work. They would rather get people to change over a higher premium policy under them for the commission.
And I would tend to agree but, I don't know for certain why some are told yes and others are told no, so I try not to assign blame. But, yes, that could well be the reason for reports like that from @Kissthesky being posted here. If that's true, it's sad.