A very good point, dnk. If you call around town to come up with your rate instead of figuring it out for yourself you might want to consider that the guy you're calling may have less experience, less knowledge of the NEC, etc.
The one I've seen several times are large conduits with a dozen circuits. The electrician didn't understand derating. I've also seen local electricians replace an interior panel without doing the outside work, so the old 1940s cloth covered service wire was re-used (obviously without a permit).
Dave