Scott,
Just as Dick says, it's best to only ask the breeder to bowl koi that you're serious about. Of course, things depend on your relationship with the individual, and it's not always a black and white thing. People will lose interest in you after a while if they don't know you well and think you're insincere.
Now, if you're buying a single fish, it's not good to haggle with the breeder especially if you're anything less than a steady customer for him. Haggling is a feature of many cultures, but not really popular in modern Japan. You're probably going to embarrass yourself, your guide, and depending how much of a discount you've tried to secure...the breeder himself. If you buy a single koi, then you pay
single koi price. Simple as that. If you were buying 3 koi together of which the total was 1.1 million yen, and asked the breeder to make it an even 1 million, that's not stepping over the line too far.
I've dropped in on some breeders when parties of foreign buyers were there to buy, and I could tell you some stories about breeders getting ticked off! In one instance, I watched a gentlemen consistently inform the breeder that the koi he was being shown where only worth "half the price" he was being quoted. The breeder remarked that he would show him some better fish that might be better suited to what this buyer was looking for. The breeder pulled up 2 different showa from the adjacent pond that were almost
twice the price previously quoted. The gentlemen was excited at the prospect of getting better, more "expensive" koi, but still managed to haggle the breeder down to about half the price. Now, the buyer was obviously not in the hobby for too long, as he couldn't discern that the second batch of koi he was being shown were similar (I actually thought them to be
lower quality than the first batch) quality. The breeder outsmarted the poor haggler, and ended up getting his original asking price by showing him similar koi and quoting double the price, with full understanding that the fellow didn't understand their value to begin with. Most breeders may be country bumpkins, but many are as shrewd as they come!
If you get a reputation with a breeder for being a haggler, he's going to remember you next time, and you're not going to get his best price to begin with. If you haggle, you'd better full well understand quality and defects and be able to sensibly explain why a koi isn't worth the quoted price. That's fair business. But if you're expecting to get a discount just because you're you and think that you're going to press the breeder...you'd better think again! You may get away with it a few times with breeders that really
need the money, but ones that are at the top of there game might just hang up the net and bring your visit to an abrupt halt. I've seen it happen!
There's plenty of koi to be had. If one doesn't suit your budget, then keep looking. Haggling will not serve you in the long run unless you're a dealer or buying in bulk.