I can identify with that! They are elusive little creatures. I don’t know if it will help you at all but here are a few things that help me.
First, get a good look at the subject before starting to faff about trying to take pictures. I got that lesson the hard way, trying to take pictures before I looked at it and ended up with neither a good look nor a good picture. So, I decided that looking and understanding took precedence over getting a photo. Ok, I might miss that one rare sighting, but that’s highly unlikely and it’s good practice. I now have three species of bumblebee that I see regularly and can recognise on sight (but not their caste, that’s the next step), and that’s because I’m looking before photographing. Maybe this is an obvious thing, but it took me a bit to realise it.
Sunflowers are great and that’s where I’m getting most of my photos at the moment. They are up at our eye level, and they are really a whole field of flowers (from the point of view of a pollinator) so they hang around for a bit when the sunflower is in its prime. Other things that attract them being around too are helpful, because they come and linger, but really the sunflowers are where I’m getting my best noobie photos. (Plus you get seeds for the birds when the flowers are done, extra bonus!)
Assuming you’re taking photos on your phone, learn to focus the camera, which usually is very simple, just tap on the screen while the camera is on over the image of the bee or whatever you are trying to focus on - it’s a simple trick that can make the difference between a blurry image and a sharp one. Keep tapping and snapping as your bee moves around.
Last thing, and I got this from the Wildlife Trust lady that I took training from, restrict yourself at first to recognising a few common species. She was all about the eight common bumblebees in the UK. Learn to recognise those, or the equivalent wherever you are, and then you will be able to tell (after a while) when something is a bit different. I think that’s pretty good advice. Don’t confuse yourself with all the rare species that you might possibly see, start from the assumption that you’re looking at the ones that are most common in your area, and most of the time you’ll be right.
I hope this makes sense and maybe helps in some way! :D :D And please forgive me if I’m just stating the bleeding obvious, I’m still new at this.