I have progressive insurance on my ATV. With so many quads being stolen these days, it only makes sense to get insurance...its pretty cheap. I think I have full coverage on my ATV (including theft and collision) and added $4K of extra coverage for my mods...total coverage is $8K. That is not really enuf to replace every penny I have spent on my quad, but it would be a nice start. Hopefully, I will never need this insurance.
Progressive, both teryx's for around $250/yr. with 8k worth of extras! Broke a steering rack last year and they gave me $4K for repairs since the frame had a small tweak in it. Kawie doesnt even sell a frame for a teryx but they have a part # and price for it. Very happy with thier service.
There are a few other posts about this...I posted about state farm dropping me a while back.....I submitted receipts and photos and they sent me a letter stating that they could no longer cover it....yea, I was pissed!!!!!!!!
So I have a progressive policy on it....they don't care if has a bbk, nitrous, or the entire thing is chromed...they will insure it for whatever you want on it...I think I added like $6000 in extra coverage....not enough to build another, but enough to keep me from going off the deep end if it was wrecked or stolen
I use Progressive. $350 a year with full coverage. I have $50,000/$100,000 liabilities.
Don't forget... when you are buying insurance you aren't just protecting your machine... you are protecting yourself if you are in an accident with another rider... moreover you are protecting yourself from the other guy's attorney.
If I raced all the time, I would have that. But 98.9% of my riding is alone and with other family members checking cows, fixing fences, and farming. I haven't been on an ATV ride in over 2 years. I miss it, but nowhere close to ride anymore, I can't leave for days to ride.
Don't let my screen name fool ya. I was king of the hill in my younger days before all these big bores came out and the winner of the utility class was decided by who cut the best light, but the racing scene has far surpassed my budget to even place.
I didn't have it back in '04 when mine was stolen in Tulsa on my way to Little Sahara for a big week-long ride and I regret it. I currently don't have it covered but I'm not taking it anywhere either. If I get to vacation with it I will have insurence on it for theft reasons alone. It isn't expensive and it's a piece of mind if you're traveling. I use Farm Bureau for auto's and quads.